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Ironton city, OH

ZIP 45638 — 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 45638

Median Home Value
$118,500
Median Rent
$565
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$761/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.5 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 45638 in Ironton city, OH, a household would need roughly $33,000 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 $761. That sits below the local median household income ($49,544), 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
67.6%+3% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
49.3%+29% vs US avg
x
$118,500
Home Value
$565
Rent
1961
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 detached78.7%
  • 1-unit attached0.8%
  • 2-9 units8.0%
  • 10+ units4.2%
  • Mobile home & other8.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$118,500
Median rent$565
Owner-occupied67.6%
Vacant13.7%
Price-to-income2.4x
Est. income to buy$33,000