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Fort Loramie village, OH

ZIP 45845 — 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 45845

Median Home Value
$280,200
Median Rent
$616
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,800/mo PITI).

8%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

37.9 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 45845 in Fort Loramie village, OH, a household would need roughly $77,000 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 $1,800. That sits below the local median household income ($91,667), 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
91.3%+40% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
96.1%+10% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
45.7%+20% vs US avg
x
$280,200
Home Value
$616
Rent
1986
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached91.0%
  • 1-unit attached1.0%
  • 2-9 units7.1%
  • 10+ units0.0%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$280,200
Median rent$616
Owner-occupied91.3%
Vacant2.4%
Price-to-income3.1x
Est. income to buy$77,000