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Troy city, OH

ZIP 45373 — 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 45373

Median Home Value
$234,400
Median Rent
$744
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,506/mo PITI).

11%
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.

26.3 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 45373 in Troy city, OH, a household would need roughly $65,000 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 $1,506. That sits below the local median household income ($78,278), 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
71.4%+9% vs US avg
x
Vacancy Rate
5.7%-45% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
29.3%-23% vs US avg
x
$234,400
Home Value
$744
Rent
1974
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 detached77.5%
  • 1-unit attached3.8%
  • 2-9 units12.9%
  • 10+ units5.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$234,400
Median rent$744
Owner-occupied71.4%
Vacant5.7%
Price-to-income3.0x
Est. income to buy$65,000