Dayton, KY—41074
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Dayton, KY
As of Oct '25, the median home price in Dayton, KY is $199,000, with a year-over-year change of 0.9%. This indicates that home prices in Dayton, KY are flat. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $199,000 | 0.9% |
| Single Family | $186,000 | 0.5% |
| Condos | $311,000 | 6.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $198,000 | 3.7% |
3 Bed | $222,000 | 1.8% |
4 Bed | $324,000 | 6.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Dayton, KY
As of July '25, Rentcast reports the average rent in Dayton, KY is $1,480, with a year-over-year rent change of -21.7%. Per bedroom, the median rent as of July '25 in Dayton, KY is studios: $1,500, 1-bedrooms: $1,190, 2-bedrooms: $1,310, 3-bedrooms: $3,500. The most common rental property sizes in Dayton, KY are 2-bedroom and 1-bedroom, accounting for 40.4% and 32.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,480 |
| Studio Rent | $1,500 | $1,500 |
| 1 Bed Rent | $1,130 | $1,190 |
| 2 Bed Rent | $1,200 | $1,310 |
| 3 Bed Rent | $3,500 | $3,500 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Dayton, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Dayton, KY is 39. This is a decrease of -58.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $287,000 | -50.0% |
Listing Count | 32 | -41.0% |
| Listings as % of Homes | 1.7% | -41.0% |
Days on Market | 39 | -58.0% |
Demographics — Dayton, KY
As of the latest ACS Survey released in 2023, Dayton, KY has a population of 5,700, which has increased by 4.5% over the past 5 years. Dayton, KY is a moderately popular place for families, as children make up 21.0% of the population. The area has a poorly educated workforce, with 24.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,700 | 4.5% |
% Under 18 | 21.0% | -4.1% |
% Seniors | 15.7% | 29.8% |
% WFH | 10.8% | 575.0% |
% w/ College Degree | 24.4% | 27.1% |
As of the latest ACS Survey released in 2023, Dayton, KY is a predominantly white area, with 89.4% of the population identifying as white. The white population has shrunk by 4.5% in the last 5 years. The second most common race or ethnicity in Dayton, KY is hispanic, making up 2.5% of the population. Foreign-born residents account for 1.7% of the population in Dayton, KY, and this percentage has increased by 70.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.4% | -4.5% |
% Black | 1.4% | -12.5% |
% Hispanic | 2.5% | 66.7% |
% Asian | 0.4% | 100.0% |
% Foreign Born | 1.7% | 70.0% |
Mortgage and Risk — Dayton, KY
According to HUD data as of 2023, there were 136 mortgage originations in Dayton, KY, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Dayton, KY. Investor activity is low, as 7.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 136 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 7.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Dayton, KY
Dayton, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 246 |
Total Units Section 8 | 201 |
% Rentals under Section 8 | 21.7% |
% Occupied Section 8 | 90.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$210 | $1,130 | $920 |
| 2 Bedroom | -$10 | $1,200 | $1,190 |
| 3 Bedroom | -$1,920 | $3,500 | $1,580 |
| 4 Bedroom | N/A | N/A | $1,740 |
Affordability — Dayton, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $199,000 |
| Median Household Income | $62,500 |