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ZIP 45401
Housing & Real Estate

ZIP 45401 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45401

Median Home Value

$224,400

Median Rent

$932

Affordability Snapshot

$62,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,441/mo PITI).

20%

Rent-to-Income Ratio

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

4.1x

Home Price-to-Income Ratio

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

20.1 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 45401, a household would need roughly $62,000 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 $1,441. That is roughly in line with the local median household income ($55,074). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

27.9%-57% vs US avg

Vacancy Rate

10.0%-3% vs US avg

Broadband Access

83.4%-4% vs US avg

4+ Bedrooms

3.0%-80% vs US avg

Built Pre-1939

4.8%-63% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

13.9%-72% vs US avg

Mortgage-Free

27.9%-27% vs US avg

$224,400

Home Value

$932

Rent

1960

Year Built

2019

Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

1-unit detached12.7%
1-unit attached8.8%
2-9 units9.5%
10+ units69.0%
Mobile home & other0.0%

ZIP 45401 — Housing & Real Estate

Housing & Real Estate in ZIP Code 45401

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