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Jackson city, OH

ZIP 45640 — 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 45640

Median Home Value
$165,800
Median Rent
$572
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,065/mo PITI).

11%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.2 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 45640 in Jackson city, OH, a household would need roughly $46,000 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 $1,065. That sits below the local median household income ($62,813), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.9%+10% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
82.8%-5% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
6.3%-50% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
43.8%+15% vs US avg
x
$165,800
Home Value
$572
Rent
1977
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.6%
  • 1-unit attached0.6%
  • 2-9 units9.1%
  • 10+ units2.2%
  • Mobile home & other13.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,800
Median rent$572
Owner-occupied71.9%
Vacant8.7%
Price-to-income2.6x
Est. income to buy$46,000