What is the median home value in ZIP 45377 in Montgomery County, OH?

The median home value in ZIP 45377 in Montgomery County, OH is $239,649, according to the latest Census ACS 5-Year Estimates.

What is the rent-to-income ratio in ZIP 45377?

The rent-to-income ratio in ZIP 45377 is 19.9%, based on HUD Fair Market Rent divided by Census median household income. This is within the affordable range (under 30% of household income).

Dayton-Kettering, OH · Ohio

Montgomery County

ZIP 45377

535,528 residents1,301 permits TTM$64,403 median HHI32 ZIP codesUpdated April 16, 2026

Investor first look

Median home value

$167,400

ACS 5-Year

Cap rate proxy

9.1%

FMR × 0.65 ÷ Home Value

Rent-to-income

18.0%

HUD FMR ÷ ACS HHI

Net migration

+1.65%

IRS SOI

Permits (TTM)

1,301

Census BPS

Climate risk

92.7

FEMA NRI (0–100)

ZIP 45377

Median home value

$239,649

Gross yield

5.5%

Cap rate

5.3%

Rent gap

3.0%

Affordability

P/I: 3.7R/I: 19.9%

Section 8 detail

SAFMR: $1,100Rent: $968Gap: 13.6%

ZIP code breakdown32 ZIP codes

ZIP	Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
45416	$95,661	$1,480	18.6%	12.1%	34.6%
45354	$167,400county est.	$1,460	10.5%	6.9%	33.7%
45404	$99,996	$1,210	14.5%	13.2%	8.9%
45410	$127,478	$1,250	11.8%	11.0%	6.5%
45402	$73,365	$1,340	21.9%	22.7%	-3.5%

Ranked by composite score

Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
$74,932	$1,170	18.7%	16.4%	12.7%
$85,593	$1,070	15.0%	14.5%	3.2%
$86,308	$1,160	16.1%	14.5%	10.3%
$100,318	$990	11.8%	12.5%	-5.7%
$176,128	$1,170	8.0%	11.6%	-46.1%
$162,471	$1,180	8.7%	9.4%	-8.1%
$221,396	$1,340	7.3%	9.3%	-28.0%
$185,970	$1,300	8.4%	9.1%	-8.5%
$166,334	$1,260	9.1%	8.8%	3.1%
$165,721	$1,270	9.2%	8.7%	5.1%
$241,704	$1,440	7.1%	8.1%	-13.1%
$219,530	$1,400	7.7%	7.8%	-2.1%
$167,400county est.	$1,440	10.3%	6.9%	32.8%
$167,400county est.	$1,250	9.0%	6.9%	22.6%
$167,400county est.	$1,170	8.4%	6.9%	17.3%
$267,451	$1,290	5.8%	6.8%	-17.1%
$185,521	$1,070	6.9%	6.3%	9.5%
$255,127	$1,540	7.2%	6.1%	15.8%
$326,082	$1,490	5.5%	5.4%	0.7%
$239,649	$1,100	5.5%	5.3%	3.0%
$221,058	$1,190	6.5%	5.3%	18.7%
$273,594	$1,210	5.3%	5.2%	2.5%
$413,119	$1,610	4.7%	5.1%	-9.4%
$260,211	$1,180	5.4%	4.5%	18.0%
$263,287	$1,230	5.6%	4.4%	21.3%
$276,358	$1,200	5.2%	4.2%	19.3%
$284,004	$1,380	5.8%	4.1%	29.9%

Demographics

Owner-occupied

62.3%

Census ACS

Vacancy rate

8.8%

Census ACS

Bachelor's degree +

30.5%

Census ACS

Rent burdened

43.0%

Census ACS (>30% income)

Median age

38.8

Census ACS

Data sources

U.S. Census Bureau — American Community Survey 5-Year Estimates

U.S. Census Bureau — Building Permits Survey

U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)

Internal Revenue Service — Statistics of Income Migration Data

FEMA — National Risk Index

Last updated: April 16, 2026

Montgomery County

See all 32 ZIPs ranked by yield and cap rate