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Dayton city, OH

ZIP 45403 — 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 45403

Median Home Value
$73,900
Median Rent
$603
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$475/mo PITI).

20%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.2 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 45403 in Dayton city, OH, a household would need roughly $20,000 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 $475. That sits below the local median household income ($36,250), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
41.0%-37% vs US avg
x
Vacancy Rate
14.3%+39% vs US avg
x
Broadband Access
82.1%-6% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
9.7%-24% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
61.5%+61% vs US avg
x
$73,900
Home Value
$603
Rent
1946
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached60.0%
  • 1-unit attached7.8%
  • 2-9 units29.1%
  • 10+ units2.6%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$73,900
Median rent$603
Owner-occupied41.0%
Vacant14.3%
Price-to-income2.0x
Est. income to buy$20,000