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Huber Heights city, OH

ZIP 45424 — 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 45424

Median Home Value
$169,000
Median Rent
$895
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,086/mo PITI).

14%
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.

15.7 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 45424 in Huber Heights city, OH, a household would need roughly $47,000 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 $1,086. That sits below the local median household income ($78,566), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
75.6%+16% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
31.8%-17% vs US avg
x
$169,000
Home Value
$895
Rent
1975
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 detached81.7%
  • 1-unit attached5.9%
  • 2-9 units7.4%
  • 10+ units2.4%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,000
Median rent$895
Owner-occupied75.6%
Vacant4.7%
Price-to-income2.2x
Est. income to buy$47,000