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Kettering city, OH

ZIP 45409 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45409

Median Home Value
$230,800
Median Rent
$832
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,483/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.1 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 45409 in Kettering city, OH, a household would need roughly $64,000 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 $1,483. That sits below the local median household income ($84,000), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.7%+8% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
18.4%+44% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
27.4%-45% vs US avg
x
Mortgage-Free
32.6%-15% vs US avg
x
$230,800
Home Value
$832
Rent
1951
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 detached63.9%
  • 1-unit attached4.5%
  • 2-9 units19.1%
  • 10+ units12.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$230,800
Median rent$832
Owner-occupied70.7%
Vacant11.3%
Price-to-income2.7x
Est. income to buy$64,000