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Dayton city, OH

ZIP 45402 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45402

Median Home Value
$105,900
Median Rent
$662
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$680/mo PITI).

18%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 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 45402 in Dayton city, OH, a household would need roughly $29,000 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 $680. That sits below the local median household income ($45,386), 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

Vacancy rate 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.2%-43% vs US avg
x
Vacancy Rate
27.8%+170% vs US avg
x
Broadband Access
80.2%-8% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
10.7%-16% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
13.1%-74% vs US avg
x
Mortgage-Free
52.8%+38% vs US avg
x
$105,900
Home Value
$662
Rent
1938
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached51.2%
  • 1-unit attached12.9%
  • 2-9 units9.3%
  • 10+ units26.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$105,900
Median rent$662
Owner-occupied37.2%
Vacant27.8%
Price-to-income2.3x
Est. income to buy$29,000