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Kettering city, OH

ZIP 45429 — 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 45429

Median Home Value
$221,200
Median Rent
$866
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,421/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 45429 in Kettering city, OH, a household would need roughly $61,000 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 $1,421. That sits below the local median household income ($77,291), 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
70.2%+7% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
10.4%-19% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.5%-57% vs US avg
x
Mortgage-Free
34.7%-9% vs US avg
x
$221,200
Home Value
$866
Rent
1962
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached74.0%
  • 1-unit attached4.0%
  • 2-9 units13.2%
  • 10+ units8.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$221,200
Median rent$866
Owner-occupied70.2%
Vacant5.2%
Price-to-income2.9x
Est. income to buy$61,000