Trotwood, OH—45416
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Trotwood, OH
Home Price Trends — Trotwood, OH
Trotwood, OH lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $91,000 | -6.7% |
| Single Family | $91,000 | -7.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $74,000 | -7.5% |
3 Bed | $91,000 | -8.1% |
4 Bed | $141,000 | 1.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Trotwood, OH
As of July '25, Rentcast reports the average rent in Trotwood, OH is $1,180, with a year-over-year rent change of 3.5%. Per bedroom, the median rent as of July '25 in Trotwood, OH is 2-bedrooms: $591, 3-bedrooms: $1,220, 4-bedrooms: $1,580. The most common rental property sizes in Trotwood, OH are 3-bedroom and 4-bedroom, accounting for 58.5% and 15.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,150 | $1,180 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $287 | $591 |
| 3 Bed Rent | $1,150 | $1,220 |
| 4 Bed Rent | $1,400 | $1,580 |
% of Rental Stock
Property Listings — Trotwood, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Trotwood, OH is 62. This is a increase of 36.0% 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 10.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $125,000 | 0.0% |
Listing Count | 20 | 39.0% |
| Listings as % of Homes | 0.3% | 39.0% |
Days on Market | 62 | 36.0% |
Demographics — Trotwood, OH
As of the latest ACS Survey released in 2023, Trotwood, OH has a population of 5,350, which has decreased by -12.8% over the past 5 years. Trotwood, OH is a moderately popular place for families, as children make up 21.0% of the population. The area has a poorly educated workforce, with 13.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,350 | -12.8% |
% Under 18 | 21.0% | 8.2% |
% Seniors | 17.0% | -26.7% |
% WFH | 9.9% | 182.9% |
% w/ College Degree | 13.3% | -13.1% |
As of the latest ACS Survey released in 2023, Trotwood, OH is a predominantly black area, with 62.2% of the population identifying as black. The black population has shrunk by 16.8% in the last 5 years. The second most common race or ethnicity in Trotwood, OH is white, making up 17.6% of the population. Foreign-born residents account for 1.8% of the population in Trotwood, OH, and this percentage has increased by 20.0% 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 | 17.6% | -18.1% |
% Black | 62.2% | -16.8% |
% Hispanic | 5.3% | 1,666.7% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 1.8% | 20.0% |
Mortgage and Risk — Trotwood, OH
According to HUD data as of 2023, there were 37 mortgage originations in Trotwood, OH, of which 62.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 46.0% above 90% LTV (very high). This implies large mortgage risk in Trotwood, OH. Investor activity is low, as 5.0% of loans were by investors. 3.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 37 |
% Conventional Loans | 62.0% |
% Government Loans | 38.0% |
% Investor Loans | 5.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 3.0% |
Loan Activity
Rentals and Section 8 — Trotwood, OH
Trotwood, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 137 |
Total Units Section 8 | 137 |
% Rentals under Section 8 | 17.2% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,020 |
| 2 Bedroom | $1,013 | $287 | $1,300 |
| 3 Bedroom | $530 | $1,150 | $1,680 |
| 4 Bedroom | $460 | $1,400 | $1,860 |
Affordability — Trotwood, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 1.8 |
| Median Home Price | $91,000 |
| Median Household Income | $45,700 |