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Dayton city, OH

ZIP 45404 — 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 45404

Median Home Value
$82,400
Median Rent
$602
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$529/mo PITI).

20%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.4 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 45404 in Dayton city, OH, a household would need roughly $23,000 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 $529. That sits below the local median household income ($35,286), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
39.5%-40% vs US avg
x
Vacancy Rate
11.7%+14% vs US avg
x
Broadband Access
82.2%-6% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
14.5%+13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.7%-42% vs US avg
x
Mortgage-Free
56.8%+49% vs US avg
x
$82,400
Home Value
$602
Rent
1952
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 detached61.6%
  • 1-unit attached14.5%
  • 2-9 units9.5%
  • 10+ units12.1%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$82,400
Median rent$602
Owner-occupied39.5%
Vacant11.7%
Price-to-income2.3x
Est. income to buy$23,000