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Phillipsburg village, OH

ZIP 45354 — 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 45354

Median Home Value
$137,500
Median Rent
$1,277
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$883/mo PITI).

21%
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.

9.0 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 45354 in Phillipsburg village, OH, a household would need roughly $38,000 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 $883. That sits below the local median household income ($71,875), 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

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.1%+15% vs US avg
x
Vacancy Rate
18.6%+81% vs US avg
x
Broadband Access
71.3%-18% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
5.8%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
56.2%+13% vs US avg
x
Mortgage-Free
22.7%-40% vs US avg
x
$137,500
Home Value
$1,277
Rent
1938
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached96.7%
  • 1-unit attached0.0%
  • 2-9 units3.3%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$137,500
Median rent$1,277
Owner-occupied75.1%
Vacant18.6%
Price-to-income1.9x
Est. income to buy$38,000