Kettering, OH—45429
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Kettering, OH
Kettering, OH lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $267,000 | 4.3% |
| Single Family | $268,000 | 4.7% |
| Condos | $236,000 | -3.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $192,000 | 4.9% |
3 Bed | $249,000 | 4.6% |
4 Bed | $346,000 | 4.2% |
| 5 Bed | $468,000 | 4.7% |
% of Housing Stock
Rental Trends — Kettering, OH
As of July '25, Rentcast reports the average rent in Kettering, OH is $1,430, with a year-over-year rent change of 7.5%. Per bedroom, the median rent as of July '25 in Kettering, OH is studios: $725, 1-bedrooms: $843, 2-bedrooms: $1,200, 3-bedrooms: $1,890, 4-bedrooms: $2,300. The most common rental property sizes in Kettering, OH are 2-bedroom and 1-bedroom, accounting for 49.3% and 22.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,430 |
| Studio Rent | $725 | $725 |
| 1 Bed Rent | $775 | $843 |
| 2 Bed Rent | $1,200 | $1,200 |
| 3 Bed Rent | $1,700 | $1,890 |
| 4 Bed Rent | $2,200 | $2,300 |
% of Rental Stock
Property Listings — Kettering, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Kettering, OH is 37. This is a increase of 29.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 34.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $299,000 | 11.0% |
Listing Count | 87 | 23.0% |
| Listings as % of Homes | 0.4% | 23.0% |
Days on Market | 37 | 29.0% |
Demographics — Kettering, OH
As of the latest ACS Survey released in 2023, Kettering, OH has a population of 26,500, which has increased by 3.0% over the past 5 years. Kettering, OH is a moderately popular place for families, as children make up 20.1% of the population. The area has a highly educated workforce, with 48.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 26,500 | 3.0% |
% Under 18 | 20.1% | 3.6% |
% Seniors | 21.9% | 0.5% |
% WFH | 12.2% | 221.1% |
% w/ College Degree | 48.2% | 12.9% |
As of the latest ACS Survey released in 2023, Kettering, OH is a predominantly white area, with 85.7% of the population identifying as white. The white population has shrunk by 3.8% in the last 5 years. The second most common race or ethnicity in Kettering, OH is black, making up 4.8% of the population. Foreign-born residents account for 5.1% of the population in Kettering, OH, and this percentage has increased by 30.8% 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 | 85.7% | -3.8% |
% Black | 4.8% | 41.2% |
% Hispanic | 2.6% | 18.2% |
% Asian | 2.0% | -13.0% |
% Foreign Born | 5.1% | 30.8% |
Mortgage and Risk — Kettering, OH
According to HUD data as of 2023, there were 641 mortgage originations in Kettering, OH, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Kettering, OH. Investor activity is low, as 2.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 641 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Kettering, OH
As of 2024, the percent of homes in Kettering, OH under the Section 8 program is 4.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Kettering, OH, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 166 |
Total Units Section 8 | 166 |
% Rentals under Section 8 | 4.1% |
% Occupied Section 8 | 92.8% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $75 | $775 | $850 |
| 2 Bedroom | -$120 | $1,200 | $1,080 |
| 3 Bedroom | -$310 | $1,700 | $1,390 |
| 4 Bedroom | -$660 | $2,200 | $1,540 |
Affordability — Kettering, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $267,000 |
| Median Household Income | $77,300 |