Moraine, OH 45439 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Moraine, OH—45439

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$166,000

6.9% YoY Growth

Household Income

$47,800

3.7% YoY Growth

Days on Market

32

5.0% Shorter YoY

Home Price Forecast

N/A

Median Rent

$1,200

1.6% YoY Growth

1-Bed Rent

$795

37.2% YoY Growth

2-Bed Rent

$949

8.2% YoY Growth

3-Bed Rent

$1,420

5.4% YoY Growth

Home Price Trends — Moraine, OH

Moraine, OH lacks sufficient home price data for analysis.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$166,000	6.9%
Single Family	$171,000	6.9%
Condos	$119,000	0.8%

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed	N/A	N/A

Rental Trends — Moraine, OH

As of July '25, Rentcast reports the average rent in Moraine, OH is $1,240, with a year-over-year rent change of -1.6%. Per bedroom, the median rent as of July '25 in Moraine, OH is studios: $2,500, 1-bedrooms: $995, 2-bedrooms: $987, 3-bedrooms: $1,400. The most common rental property sizes in Moraine, OH are 3-bedroom and 2-bedroom, accounting for 40.7% and 34.0% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,200	$1,240
Studio Rent	$2,500	$2,500
1 Bed Rent	$795	$995
2 Bed Rent	$949	$987
3 Bed Rent	$1,420	$1,400
4 Bed Rent	N/A	N/A

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% of Rental Stock

Studio

2.2%

1 Bedroom

19.0%

2 Bedrooms

34.0%

3 Bedrooms

40.7%

4 Bedrooms

4.2%

Property Listings — Moraine, OH

As of Dec '25, Realtor.com reports that the median days on market for a home in Moraine, OH is 25. This is a increase of 13.0% 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 62.0%, representing a large inventory and a lot of supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$178,000	9.0%
Listing Count	26	-7.0%
Listings as % of Homes	0.5%	-7.0%
Days on Market	32	-5.0%

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Demographics — Moraine, OH

As of the latest ACS Survey released in 2023, Moraine, OH has a population of 12,200, which has increased by 20.2% over the past 5 years. Moraine, OH is a popular place for families, as children make up 27.8% of the population. The area has a poorly educated workforce, with 16.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.2% reporting working from home.

Metric	Latest Census	YoY % Change
Population	12,200	20.2%
% Under 18	27.8%	15.4%
% Seniors	14.7%	-1.3%
% WFH	7.2%	148.3%
% w/ College Degree	16.9%	-5.6%

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As of the latest ACS Survey released in 2023, Moraine, OH is a predominantly white area, with 70.8% of the population identifying as white. The white population has shrunk by 9.5% in the last 5 years. The second most common race or ethnicity in Moraine, OH is black, making up 15.0% of the population. Foreign-born residents account for 3.7% of the population in Moraine, OH, and this percentage has decreased by 46.4% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	70.8%	-9.5%
% Black	15.0%	47.1%
% Hispanic	9.2%	119.0%
% Asian	1.7%	-69.1%
% Foreign Born	3.7%	-46.4%

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Mortgage and Risk — Moraine, OH

According to HUD data as of 2023, there were 113 mortgage originations in Moraine, OH, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Moraine, OH. Investor activity is low, as 7.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	113
% Conventional Loans	81.0%
% Government Loans	19.0%
% Investor Loans	7.0%
% Second Loans	0.0%
% Cash Out Refinance	14.0%

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Rentals and Section 8 — Moraine, OH

Moraine, OH lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	127
Total Units Section 8	127
% Rentals under Section 8	5.2%
% Occupied Section 8	85.8%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$45	$795	$840
2 Bedroom	$121	$949	$1,070
3 Bedroom	-$40	$1,420	$1,380
4 Bedroom	N/A	N/A	$1,530

Moraine, OH—45439

Key Metrics at a Glance

Home Price Trends — Moraine, OH

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Moraine, OH

% of Rental Stock

Property Listings — Moraine, OH

Demographics — Moraine, OH

Race and Ethnicity

Mortgage and Risk — Moraine, OH

Mortgages

Rentals and Section 8 — Moraine, OH

Section 8 Market Size

Section 8 Opportunity

Affordability — Moraine, OH

Home Price to Income Ratio

Moraine, OH — ZIP Code Boundary Map

Nearby ZIP Codes

West Carrollton, OH

Oakwood, OH

Ridgewood Heights

Oakwood, OH

Dayton, OH

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	2.9
Median Home Price	$166,000
Median Household Income	$47,800

Moraine, OH—45439

Key Metrics at a Glance

Home Price Trends — Moraine, OH

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Moraine, OH

% of Rental Stock

Property Listings — Moraine, OH

Demographics — Moraine, OH

Race and Ethnicity

Mortgage and Risk — Moraine, OH

Mortgages

Rentals and Section 8 — Moraine, OH

Section 8 Market Size

Section 8 Opportunity

Affordability — Moraine, OH

Home Price to Income Ratio

Moraine, OH — ZIP Code Boundary Map

Nearby ZIP Codes

West Carrollton, OH

Oakwood, OH

Ridgewood Heights

Oakwood, OH

Dayton, OH

Frequently Asked Questions

What is the average home price in Moraine, OH 45439?

How have home prices in Moraine, OH 45439 changed over the past year?

What is the home price projection for Moraine, OH 45439?

What are the demographics of Moraine, OH 45439?

How long does it take homes to sell in Moraine, OH 45439?

What is the average rent price in Moraine, OH 45439?