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Moraine city, OH

ZIP 45439 — 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 45439

Median Home Value
$120,100
Median Rent
$844
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$771/mo PITI).

21%
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.

11.9 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 45439 in Moraine city, OH, a household would need roughly $33,000 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 $771. That sits below the local median household income ($47,788), 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
49.8%-24% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
8.1%-36% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
38.4%+1% vs US avg
x
$120,100
Home Value
$844
Rent
1965
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 detached67.1%
  • 1-unit attached2.7%
  • 2-9 units17.9%
  • 10+ units9.1%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,100
Median rent$844
Owner-occupied49.8%
Vacant5.8%
Price-to-income2.5x
Est. income to buy$33,000