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Fairborn city, OH

ZIP 45324 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45324

Median Home Value
$177,700
Median Rent
$827
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,141/mo PITI).

17%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.9 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 45324 in Fairborn city, OH, a household would need roughly $49,000 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 $1,141. That sits below the local median household income ($59,861), 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
52.0%-21% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$177,700
Home Value
$827
Rent
1972
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 detached58.9%
  • 1-unit attached5.9%
  • 2-9 units18.7%
  • 10+ units15.1%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,700
Median rent$827
Owner-occupied52.0%
Vacant7.0%
Price-to-income3.0x
Est. income to buy$49,000