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Kettering city, OH

ZIP 45440 — 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 45440

Median Home Value
$248,200
Median Rent
$964
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,594/mo PITI).

14%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.5 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 45440 in Kettering city, OH, a household would need roughly $68,000 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 $1,594. That sits below the local median household income ($83,378), 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
62.5%-5% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
14.2%-71% vs US avg
x
Mortgage-Free
39.9%+4% vs US avg
x
$248,200
Home Value
$964
Rent
1972
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 detached59.0%
  • 1-unit attached5.5%
  • 2-9 units18.4%
  • 10+ units16.8%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,200
Median rent$964
Owner-occupied62.5%
Vacant4.9%
Price-to-income3.0x
Est. income to buy$68,000