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ZIP 45061 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45061

Median Home Value
$96,500
Median Rent
$592
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$620/mo PITI).

14%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.6 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 45061, a household would need roughly $27,000 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 $620. That sits below the local median household income ($52,028), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
41.9%-36% vs US avg
x
Vacancy Rate
5.4%-47% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
18.9%+48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
45.5%+19% vs US avg
x
$96,500
Home Value
$592
Rent
1946
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached75.9%
  • 1-unit attached1.9%
  • 2-9 units12.4%
  • 10+ units9.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,500
Median rent$592
Owner-occupied41.9%
Vacant5.4%
Price-to-income1.9x
Est. income to buy$27,000