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Kettering city, OH

ZIP 45420 — 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 45420

Median Home Value
$116,200
Median Rent
$735
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$746/mo PITI).

16%
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.

13.2 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 45420 in Kettering city, OH, a household would need roughly $32,000 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 $746. That sits below the local median household income ($56,670), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.1%-4% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
15.1%+18% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
20.6%-58% vs US avg
x
Mortgage-Free
34.3%-10% vs US avg
x
$116,200
Home Value
$735
Rent
1954
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached72.0%
  • 1-unit attached7.2%
  • 2-9 units11.4%
  • 10+ units9.2%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,200
Median rent$735
Owner-occupied63.1%
Vacant3.4%
Price-to-income2.1x
Est. income to buy$32,000