Kettering, OH 45440 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Kettering, OH—45440

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$309,000

3.3% YoY Growth

Household Income

$83,400

15.9% YoY Growth

Days on Market

44

5.0% Longer YoY

Home Price Forecast

N/A

Median Rent

$1,490

10.6% YoY Growth

1-Bed Rent

$930

45.3% YoY Growth

2-Bed Rent

$1,100

41.7% YoY Growth

3-Bed Rent

$1,680

7.8% YoY Growth

Other Zip Codes in Kettering, OH

45420 45429

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	$309,000	3.3%
Single Family	$325,000	3.5%
Condos	$159,000	1.9%

Cost per Home Size

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

Rental Trends — Kettering, OH

As of July '25, Rentcast reports the average rent in Kettering, OH is $1,680, with a year-over-year rent change of -10.6%. Per bedroom, the median rent as of July '25 in Kettering, OH is 1-bedrooms: $1,190, 2-bedrooms: $1,200, 3-bedrooms: $2,200, 4-bedrooms: $2,500. The most common rental property sizes in Kettering, OH are 2-bedroom and 1-bedroom, accounting for 38.9% and 28.5% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,490	$1,680
Studio Rent	N/A	N/A
1 Bed Rent	$930	$1,190
2 Bed Rent	$1,100	$1,200
3 Bed Rent	$1,680	$2,200
4 Bed Rent	$2,200	$2,500

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% of Rental Stock

Studio

5.0%

1 Bedroom

28.5%

2 Bedrooms

38.9%

3 Bedrooms

24.5%

4 Bedrooms

3.1%

Property Listings — Kettering, OH

As of Dec '25, Realtor.com reports that the median days on market for a home in Kettering, OH is 38. This is a increase of 21.0% 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 28.0%, representing a large inventory and a lot of supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$345,000	-10.0%
Listing Count	70	26.0%
Listings as % of Homes	0.5%	26.0%
Days on Market	44	5.0%

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Demographics — Kettering, OH

As of the latest ACS Survey released in 2023, Kettering, OH has a population of 22,700, which has increased by 10.2% over the past 5 years. Kettering, OH is a moderately popular place for families, as children make up 23.5% of the population. The area has a highly educated workforce, with 46.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.5% reporting working from home.

Metric	Latest Census	YoY % Change
Population	22,700	10.2%
% Under 18	23.5%	10.3%
% Seniors	20.2%	3.6%
% WFH	12.5%	278.8%
% w/ College Degree	46.4%	0.0%

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As of the latest ACS Survey released in 2023, Kettering, OH is a predominantly white area, with 81.5% of the population identifying as white. The white population has shrunk by 8.1% in the last 5 years. The second most common race or ethnicity in Kettering, OH is black, making up 5.5% of the population. Foreign-born residents account for 5.8% of the population in Kettering, OH, and this percentage has decreased by 3.3% 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	81.5%	-8.1%
% Black	5.5%	41.0%
% Hispanic	4.7%	261.5%
% Asian	1.8%	-52.6%
% Foreign Born	5.8%	-3.3%

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Mortgage and Risk — Kettering, OH

According to HUD data as of 2023, there were 472 mortgage originations in Kettering, OH, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Kettering, OH. Investor activity is low, as 0.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	472
% Conventional Loans	77.0%
% Government Loans	23.0%
% Investor Loans	0.0%
% Second Loans	0.0%
% Cash Out Refinance	9.0%

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Rentals and Section 8 — Kettering, OH

As of 2024, the percent of homes in Kettering, OH under the Section 8 program is 5.0%. 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 and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Kettering, OH, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.

Section 8 Market Size

Total Units under HUD	181
Total Units Section 8	174
% Rentals under Section 8	5.0%
% Occupied Section 8	90.0%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$20	$930	$950
2 Bedroom	$110	$1,100	$1,210
3 Bedroom	-$120	$1,680	$1,560
4 Bedroom	-$470	$2,200	$1,730

Kettering, OH—45440

Key Metrics at a Glance

Other Zip Codes in Kettering, OH

Home Price Trends — Kettering, OH

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Kettering, OH

% of Rental Stock

Property Listings — Kettering, OH

Demographics — Kettering, OH

Race and Ethnicity

Mortgage and Risk — Kettering, OH

Mortgages

Rentals and Section 8 — Kettering, OH

Section 8 Market Size

Section 8 Opportunity

Affordability — Kettering, OH

Home Price to Income Ratio

Kettering, OH — ZIP Code Boundary Map

Nearby ZIP Codes

Beavercreek, OH

Bellbrook, OH

Kettering, OH

Kettering, OH

Beavercreek, OH

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.2
Median Home Price	$309,000
Median Household Income	$83,400

Kettering, OH—45440

Key Metrics at a Glance

Other Zip Codes in Kettering, OH

Home Price Trends — Kettering, OH

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Kettering, OH

% of Rental Stock

Property Listings — Kettering, OH

Demographics — Kettering, OH

Race and Ethnicity

Mortgage and Risk — Kettering, OH

Mortgages

Rentals and Section 8 — Kettering, OH

Section 8 Market Size

Section 8 Opportunity

Affordability — Kettering, OH

Home Price to Income Ratio

Kettering, OH — ZIP Code Boundary Map

Nearby ZIP Codes

Beavercreek, OH

Bellbrook, OH

Kettering, OH

Kettering, OH

Beavercreek, OH

Frequently Asked Questions

What is the average home price in Kettering, OH 45440?

How have home prices in Kettering, OH 45440 changed over the past year?

What is the home price projection for Kettering, OH 45440?

What are the demographics of Kettering, OH 45440?

How long does it take homes to sell in Kettering, OH 45440?

What is the average rent price in Kettering, OH 45440?