Kettering, OH—45440
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 | $310,000 | 3.0% |
| Single Family | $325,000 | 3.2% |
| Condos | $161,000 | 1.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $178,000 | 2.3% |
3 Bed | $290,000 | 3.2% |
4 Bed | $371,000 | 3.6% |
| 5 Bed | $539,000 | 2.7% |
% of Housing Stock
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 |
% 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 38. This is a increase of 42.0% 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 35.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $359,000 | -17.0% |
Listing Count | 81 | 28.0% |
| Listings as % of Homes | 0.5% | 28.0% |
Days on Market | 38 | 42.0% |
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% |
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% |
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% |
Loan Activity
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 |
Affordability — Kettering, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $310,000 |
| Median Household Income | $83,400 |