US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45405
  5. Housing & Real Estate
Dayton city, OH

ZIP 45405 — 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 45405

Median Home Value
$74,100
Median Rent
$699
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$476/mo PITI).

20%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.8 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 45405 in Dayton city, OH, a household would need roughly $20,000 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 $476. That sits below the local median household income ($41,901), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
33.8%-48% vs US avg
x
Vacancy Rate
24.2%+135% vs US avg
x
Broadband Access
82.2%-5% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
12.2%-5% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$74,100
Home Value
$699
Rent
1946
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached47.5%
  • 1-unit attached6.6%
  • 2-9 units29.6%
  • 10+ units15.4%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$74,100
Median rent$699
Owner-occupied33.8%
Vacant24.2%
Price-to-income1.8x
Est. income to buy$20,000