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Dayton city, OH

ZIP 45417 — 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 45417

Median Home Value
$73,000
Median Rent
$606
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$469/mo PITI).

21%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.0 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 45417 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 $469. That sits below the local median household income ($35,027), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
50.8%-22% vs US avg
x
Vacancy Rate
21.1%+105% vs US avg
x
Broadband Access
77.3%-11% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
12.8%+0% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
24.5%-51% vs US avg
x
Mortgage-Free
57.5%+50% vs US avg
x
$73,000
Home Value
$606
Rent
1957
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 detached78.5%
  • 1-unit attached4.0%
  • 2-9 units8.6%
  • 10+ units6.9%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$73,000
Median rent$606
Owner-occupied50.8%
Vacant21.1%
Price-to-income2.1x
Est. income to buy$20,000