US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45249
  5. Housing & Real Estate
Montgomery city, OH

ZIP 45249 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45249

Median Home Value
$484,500
Median Rent
$1,314
Affordability Snapshot
$133,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,112/mo PITI).

15%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

30.7 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 45249 in Montgomery city, OH, a household would need roughly $133,000 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 $3,112. That is about 24% above the local median household income ($107,227), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
65.2%-0% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
10.0%-32% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.2%-59% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$484,500
Home Value
$1,314
Rent
1986
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached57.1%
  • 1-unit attached10.2%
  • 2-9 units16.6%
  • 10+ units11.9%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$484,500
Median rent$1,314
Owner-occupied65.2%
Vacant3.6%
Price-to-income4.5x
Est. income to buy$133,000