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Lebanon city, OH

ZIP 45036 — 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 45036

Median Home Value
$317,600
Median Rent
$895
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,040/mo PITI).

11%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.6 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 45036 in Lebanon city, OH, a household would need roughly $87,000 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 $2,040. That sits below the local median household income ($97,944), 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
74.7%+14% vs US avg
x
Vacancy Rate
5.8%-43% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
17.3%-65% vs US avg
x
Mortgage-Free
25.1%-34% vs US avg
x
$317,600
Home Value
$895
Rent
1992
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached73.5%
  • 1-unit attached6.3%
  • 2-9 units13.3%
  • 10+ units6.7%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$317,600
Median rent$895
Owner-occupied74.7%
Vacant5.8%
Price-to-income3.2x
Est. income to buy$87,000