Trotwood, OH45426

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$160,000
6.5% YoY Growth
Median Household Income
$51,500
54.2% 5-Year Growth
Days on Market
42
0.0% Longer than last year
Home Price Forecast
N/A
Median Rent
$965
5.6% YoY Growth
1-Bed Rent
$895
33.5% YoY Growth
2-Bed Rent
$980
0.5% YoY Growth
3-Bed Rent
$1,300
19.6% YoY Growth

Other Zip Codes in Trotwood, OH

Property Listings — Trotwood, OH

As of Oct '25, Realtor.com reports that the median days on market for a home in Trotwood, OH is 42. This is a decrease of 0.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.

MetricZip Code AverageYear over Year % Change
Median Listing Price
$215,00020.0%
Listing Count
33-12.0%
Listings as % of Homes0.3%-12.0%
Days on Market
420.0%
Loading chart...

Demographics — Trotwood, OH

As of the latest ACS Survey released in 2023, Trotwood, OH has a population of 13,600, which has decreased by -13.7% over the past 5 years. Trotwood, OH is a moderately popular place for families, as children make up 20.4% of the population. The area has a poorly educated workforce, with 20.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.8% reporting working from home.

MetricLatest CensusYoY % Change
Population
13,600-13.7%
% Under 18
20.4%-12.8%
% Seniors
23.5%17.5%
% WFH
6.8%353.3%
% w/ College Degree
20.7%19.0%
Loading chart...

As of the latest ACS Survey released in 2023, Trotwood, OH is a predominantly black area, with 69.1% of the population identifying as black. The black population has shrunk by 5.6% in the last 5 years. The second most common race or ethnicity in Trotwood, OH is white, making up 21.8% of the population. Foreign-born residents account for 3.3% of the population in Trotwood, OH, and this percentage has increased by 83.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

MetricLatest Census5-Year % Change
% White
21.8%11.2%
% Black
69.1%-5.6%
% Hispanic
1.4%-36.4%
% Asian
1.7%325.0%
% Foreign Born
3.3%83.3%
Loading chart...

Mortgage and Risk — Trotwood, OH

According to HUD data as of 2023, there were 275 mortgage originations in Trotwood, OH, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Trotwood, OH. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

MetricZip Code Average
Total Loan Originations
275
% Conventional Loans
67.0%
% Government Loans
33.0%
% Investor Loans
1.0%
% Second Loans
0.0%
% Cash Out Refinance
13.0%

Loan Activity

Loading chart...
Loading chart...

Rentals and Section 8 — Trotwood, OH

As of 2024, the percent of homes in Trotwood, OH under the Section 8 program is 16.6%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Trotwood, OH, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 3-bedroom units do not.

Section 8 Market Size

Total Units under HUD
465
Total Units Section 8
465
% Rentals under Section 8
16.6%
% Occupied Section 8
88.5%

Section 8 Opportunity

Home SizeHUD PremiumMarket RentMax HUD Rent
1 Bedroom-$125$895$770
2 Bedroom$0$980$980
3 Bedroom-$40$1,300$1,260
4 Bedroom$50$1,350$1,400

Affordability — Trotwood, OH

Home Price to Income Ratio

MetricZip Code Average
Home Price to Income Ratio2.5
Median Home Price$160,000
Median Household Income$51,500

Trotwood, OH — ZIP Code Boundary Map

Loading map...

Frequently Asked Questions