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Middletown city, OH

ZIP 45042 — 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 45042

Median Home Value
$192,400
Median Rent
$741
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,236/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.6 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 45042 in Middletown city, OH, a household would need roughly $53,000 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 $1,236. That sits below the local median household income ($66,732), 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
71.8%+10% vs US avg
x
Vacancy Rate
5.2%-49% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$192,400
Home Value
$741
Rent
1962
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached82.2%
  • 1-unit attached3.9%
  • 2-9 units6.5%
  • 10+ units4.4%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,400
Median rent$741
Owner-occupied71.8%
Vacant5.2%
Price-to-income2.9x
Est. income to buy$53,000