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Beavercreek city, OH

ZIP 45431 — 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 45431

Median Home Value
$197,600
Median Rent
$1,164
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,269/mo PITI).

17%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.1 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 45431 in Beavercreek city, OH, a household would need roughly $54,000 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 $1,269. That sits below the local median household income ($80,058), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
52.0%-20% vs US avg
x
Vacancy Rate
7.6%-27% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
10.3%-79% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$197,600
Home Value
$1,164
Rent
1978
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 detached50.1%
  • 1-unit attached15.6%
  • 2-9 units19.7%
  • 10+ units13.0%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,600
Median rent$1,164
Owner-occupied52.0%
Vacant7.6%
Price-to-income2.5x
Est. income to buy$54,000