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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

4542045429
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Kettering, OH

Kettering, OH lacks sufficient home price data for analysis.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$309,0003.3%
Single Family $325,0003.5%
Condos $159,0001.9%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
N/AN/A
  • Affordability
  • Rentals and Section 8
    • 2 Bed
    		$176,0002.3%
    3 Bed
    		$290,0003.2%
    4 Bed
    		$370,0003.4%
    5 Bed $536,4962.8%
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    % of Housing Stock

    Studio
    1.8%
    1 Bedroom
    11.4%
    2 Bedrooms
    21.1%
    3 Bedrooms
    40.0%
    4 Bedrooms
    21.8%
    5+ Bedrooms
    3.9%

    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.

    TypeMedian RentAverage Rent
    Average Rent$1,490$1,680
    Studio Rent N/AN/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.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$345,000-10.0%
    Listing Count
    		7026.0%
    Listings as % of Homes0.5%26.0%
    Days on Market
    		445.0%
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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.

    MetricLatest CensusYoY % Change
    Population
    		22,70010.2%
    % 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

    MetricLatest Census5-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

    MetricZip 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 SizeHUD PremiumMarket RentMax 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

    MetricZip Code Average
    Home Price to Income Ratio3.2
    Median Home Price$309,000
    Median Household Income$83,400

    Kettering, OH — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Beavercreek, OH

    45430

    Bellbrook, OH

    45305

    Kettering, OH

    45420

    Kettering, OH

    45429

    Beavercreek, OH

    45432

    Frequently Asked Questions