HousingHandbookReference data

U.S. ZIP Code · OH45304

Darke County

Typical home value

$238,193[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+8.0%
5-year / yr
+8.5%
10-year / yr
+5.3%

Relative price

vs U.S.
-16.1%
vs metro
vs state
+8.9%
ZIP 45304 location in OH
Location of ZIP 45304 in OH

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 45304 is worth $238,193. Over the past year, values have risen 8.0%. The effective property tax rate is 0.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.9%[3]
Typical annual tax
$2,086[3]

#Climate risk

FEMA National Risk Index ratings for Darke County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
No Rating
Heat wave
Very Low
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Low

#Who lives here

Population
7,599[3]
Median household income
$78,125[3]

#Migration

Household moves in and out of Darke County over a year, from IRS tax-return data.

Net migration
-94[5]
Moved in
906
Moved out
1,000

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
6
Elementary
2
Middle
1
High
2
  • Arcanum Elementary School

    Elementary · Grades K–4 · Arcanum-Butler Local

    429 students

  • Arcanum High School

    High · Grades 9–12 · Arcanum-Butler Local

    368 students

  • Butler Middle School

    Middle · Grades 5–8 · Arcanum-Butler Local

    312 students

  • Franklin Monroe High School

    High · Grades 7–12 · Franklin Monroe Local

    282 students

  • Franklin Monroe Elementary School

    Elementary · Grades PK–6 · Franklin Monroe Local

    279 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,204
Loan principal$190,555
Down payment$47,639
Total interest paid$243,042

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,578
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 45304?
The typical home in 45304 is worth $238,193, based on the Zillow Home Value Index.
Are home values rising in 45304?
Home values in 45304 are up 8.0% over the past year, and up 8.5% a year over five years.
What is the property tax rate in 45304?
The effective property tax rate in 45304 is 0.9% — roughly $2,086 a year on a typical home.
Who lives in 45304?
ZIP code 45304 has a population of 7,599 and a median household income of $78,125.

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Pit ZIP 45304 against any other ZIP — full side-by-side table.

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