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Centerville (Thurman) village, OH

ZIP 45685 — 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 45685

Median Home Value
$130,800
Median Rent
$770
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$840/mo PITI).

15%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.2 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 45685 in Centerville (Thurman) village, OH, a household would need roughly $36,000 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 $840. That sits below the local median household income ($63,472), 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

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.3%+14% vs US avg
x
Vacancy Rate
21.3%+107% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
53.8%+8% vs US avg
x
Mortgage-Free
60.6%+59% vs US avg
x
$130,800
Home Value
$770
Rent
1984
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 detached82.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other17.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,800
Median rent$770
Owner-occupied74.3%
Vacant21.3%
Price-to-income2.1x
Est. income to buy$36,000