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Middletown city, OH

ZIP 45044 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45044

Median Home Value
$230,400
Median Rent
$780
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,480/mo PITI).

13%
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.

24.6 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 45044 in Middletown city, OH, a household would need roughly $63,000 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 $1,480. That sits below the local median household income ($71,942), 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
62.8%-4% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
3.3%-77% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
19.1%-62% vs US avg
x
Mortgage-Free
33.8%-11% vs US avg
x
$230,400
Home Value
$780
Rent
1976
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 detached71.1%
  • 1-unit attached6.7%
  • 2-9 units14.3%
  • 10+ units6.4%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$230,400
Median rent$780
Owner-occupied62.8%
Vacant7.4%
Price-to-income3.2x
Est. income to buy$63,000