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Dayton city, OH

ZIP 45406 — 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 45406

Median Home Value
$82,300
Median Rent
$683
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$529/mo PITI).

19%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.0 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 45406 in Dayton city, OH, a household would need roughly $23,000 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 $529. That sits below the local median household income ($43,241), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.4%-26% vs US avg
x
Vacancy Rate
17.1%+66% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
17.9%+40% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
46.8%+23% vs US avg
x
$82,300
Home Value
$683
Rent
1954
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached67.9%
  • 1-unit attached3.3%
  • 2-9 units16.9%
  • 10+ units11.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$82,300
Median rent$683
Owner-occupied48.4%
Vacant17.1%
Price-to-income1.9x
Est. income to buy$23,000