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Piqua city, OH

ZIP 45356 — 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 45356

Median Home Value
$144,500
Median Rent
$661
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$928/mo PITI).

12%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 45356 in Piqua city, OH, a household would need roughly $40,000 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 $928. That sits below the local median household income ($66,134), 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
69.1%+6% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
8.7%-32% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$144,500
Home Value
$661
Rent
1956
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached78.1%
  • 1-unit attached3.5%
  • 2-9 units13.9%
  • 10+ units4.1%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,500
Median rent$661
Owner-occupied69.1%
Vacant6.1%
Price-to-income2.2x
Est. income to buy$40,000