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Dayton city, OH

ZIP 45410 — 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 45410

Median Home Value
$97,800
Median Rent
$689
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$628/mo PITI).

18%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.8 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 45410 in Dayton city, OH, a household would need roughly $27,000 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 $628. That sits below the local median household income ($46,766), 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
50.2%-23% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
40.7%+6% vs US avg
x
$97,800
Home Value
$689
Rent
1938
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 detached68.1%
  • 1-unit attached6.3%
  • 2-9 units14.4%
  • 10+ units11.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,800
Median rent$689
Owner-occupied50.2%
Vacant10.6%
Price-to-income2.1x
Est. income to buy$27,000