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White Oak CDP, OH

ZIP 45239 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45239

Median Home Value
$155,500
Median Rent
$819
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$999/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 45239 in White Oak CDP, OH, a household would need roughly $43,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $999. That sits below the local median household income ($58,276), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.4%-9% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
9.3%-28% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
34.2%-31% vs US avg
x
Mortgage-Free
28.1%-26% vs US avg
x
$155,500
Home Value
$819
Rent
1961
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached66.3%
  • 1-unit attached2.5%
  • 2-9 units11.5%
  • 10+ units18.9%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$155,500
Median rent$819
Owner-occupied59.4%
Vacant7.0%
Price-to-income2.7x
Est. income to buy$43,000