Moraine, OH—45439
Real Estate Data & Market Trends
Key Metrics at a Glance
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 | 6.6% |
| Single Family | $171,000 | 6.9% |
| Condos | $120,000 | 1.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $129,000 | 4.9% |
3 Bed | $176,000 | 6.7% |
4 Bed | $237,000 | 5.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
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 |
% of Rental Stock
Property Listings — Moraine, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Moraine, OH is 40. This is a increase of 61.0% 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 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 | $208,000 | 18.0% |
Listing Count | 27 | 26.0% |
| Listings as % of Homes | 0.5% | 26.0% |
Days on Market | 40 | 61.0% |
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% |
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% |
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% |
Loan Activity
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 |
Affordability — Moraine, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $166,000 |
| Median Household Income | $47,800 |