Trotwood, OH—45426
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Trotwood, OH
Home Price Trends — Trotwood, OH
Trotwood, OH lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $160,000 | 6.5% |
| Single Family | $164,000 | 6.5% |
| Condos | $80,000 | 2.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $95,000 | 9.2% |
3 Bed | $159,000 | 6.7% |
4 Bed | $201,000 | 6.3% |
| 5 Bed | $221,000 | 5.7% |
% of Housing Stock
Rental Trends — Trotwood, OH
As of July '25, Rentcast reports the average rent in Trotwood, OH is $1,020, with a year-over-year rent change of -5.6%. Per bedroom, the median rent as of July '25 in Trotwood, OH is studios: $775, 1-bedrooms: $868, 2-bedrooms: $985, 3-bedrooms: $1,340, 4-bedrooms: $1,350. The most common rental property sizes in Trotwood, OH are 2-bedroom and 3-bedroom, accounting for 50.0% and 22.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $965 | $1,020 |
| Studio Rent | $775 | $775 |
| 1 Bed Rent | $895 | $868 |
| 2 Bed Rent | $980 | $985 |
| 3 Bed Rent | $1,300 | $1,340 |
| 4 Bed Rent | $1,350 | $1,350 |
% of Rental Stock
Property Listings — Trotwood, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Trotwood, OH is 42. This is a decrease of 0.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $215,000 | 20.0% |
Listing Count | 33 | -12.0% |
| Listings as % of Homes | 0.3% | -12.0% |
Days on Market | 42 | 0.0% |
Demographics — Trotwood, OH
As of the latest ACS Survey released in 2023, Trotwood, OH has a population of 13,600, which has decreased by -13.7% over the past 5 years. Trotwood, OH is a moderately popular place for families, as children make up 20.4% of the population. The area has a poorly educated workforce, with 20.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,600 | -13.7% |
% Under 18 | 20.4% | -12.8% |
% Seniors | 23.5% | 17.5% |
% WFH | 6.8% | 353.3% |
% w/ College Degree | 20.7% | 19.0% |
As of the latest ACS Survey released in 2023, Trotwood, OH is a predominantly black area, with 69.1% of the population identifying as black. The black population has shrunk by 5.6% in the last 5 years. The second most common race or ethnicity in Trotwood, OH is white, making up 21.8% of the population. Foreign-born residents account for 3.3% of the population in Trotwood, OH, and this percentage has increased by 83.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 21.8% | 11.2% |
% Black | 69.1% | -5.6% |
% Hispanic | 1.4% | -36.4% |
% Asian | 1.7% | 325.0% |
% Foreign Born | 3.3% | 83.3% |
Mortgage and Risk — Trotwood, OH
According to HUD data as of 2023, there were 275 mortgage originations in Trotwood, OH, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Trotwood, OH. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 275 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Trotwood, OH
As of 2024, the percent of homes in Trotwood, OH under the Section 8 program is 16.6%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Trotwood, OH, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 465 |
Total Units Section 8 | 465 |
% Rentals under Section 8 | 16.6% |
% Occupied Section 8 | 88.5% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$125 | $895 | $770 |
| 2 Bedroom | $0 | $980 | $980 |
| 3 Bedroom | -$40 | $1,300 | $1,260 |
| 4 Bedroom | $50 | $1,350 | $1,400 |
Affordability — Trotwood, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $160,000 |
| Median Household Income | $51,500 |