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Beavercreek city, OH

ZIP 45430 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45430

Median Home Value
$261,700
Median Rent
$1,165
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,681/mo PITI).

13%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.7 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 45430 in Beavercreek city, OH, a household would need roughly $72,000 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 $1,681. That sits below the local median household income ($107,500), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.7%+22% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
44.1%+15% vs US avg
x
$261,700
Home Value
$1,165
Rent
1977
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.9%
  • 1-unit attached9.7%
  • 2-9 units3.0%
  • 10+ units8.9%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$261,700
Median rent$1,165
Owner-occupied79.7%
Vacant4.4%
Price-to-income2.4x
Est. income to buy$72,000