How much is a home worth in ZIP code 45305?

The typical home in 45305 is worth $389,455, based on the Zillow Home Value Index.

Are home values rising in 45305?

Home values in 45305 are up 2.8% over the past year, and up 5.3% a year over five years.

What is the typical rent in 45305?

A typical home in 45305 rents for about $2,673 a month, a gross rental yield of 8.2%.

What is the property tax rate in 45305?

The effective property tax rate in 45305 is 1.9% — roughly $7,345 a year on a typical home.

ZIP code 45305 has a population of 11,498 and a median household income of $123,045.

HousingHandbookReference data

…

U.S. ZIP Code · OH45305

Greene County · Dayton-Kettering-Beavercreek, OH

Typical home value

$389,455^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +2.8%
5-year / yr: +5.3%
10-year / yr: +5.8%

Relative price

vs U.S.: +37.1%
vs metro: +58.6%
vs state: +78.1%

Price history

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

The typical home in 45305 is worth $389,455 — 58.6% above the Dayton-Kettering-Beavercreek, OH median. Over the past year, values have risen 2.8%. Homes here rent for a typical $2,673 a month — a 8.2% gross rental yield. The effective property tax rate is 1.9%.

#Rent & investment

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

Monthly rent: $2,673^[2]
Gross yield: 8.2%^[2]
Cap rate: 4.9%^[2]

#Property tax

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

Effective tax rate: 1.9%^[3]
Typical annual tax: $7,345^[3]

#Climate risk

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

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Very Low
Drought: Relatively Low
Heat wave: Relatively Low
Hurricane: Very Low
Tornado: Relatively Moderate
Earthquake: Relatively Low
Winter weather: Relatively Moderate

#Who lives here

Population: 11,498^[3]
Median household income: $123,045^[3]

#Migration

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

Net migration: +124^[5]
Moved in: 6,310
Moved out: 6,186

Schools

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

Public schools: 4
Elementary: 2
Middle: 1
High: 1

Bellbrook High School
High · Grades 9–12 · Bellbrook-Sugarcreek Local
872 students
Bell Creek Intermediate School
Elementary · Grades 3–6 · Bellbrook-Sugarcreek Local
640 students
Bellbrook Middle School
Middle · Grades 6–8 · Bellbrook-Sugarcreek Local
628 students
Stephen Bell Elementary School
Elementary · Grades K–2 · Bellbrook-Sugarcreek Local
598 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.

Home value$Monthly rent$

Gross yield8.2%

Net yield (after ~40% expenses)4.9%

Annual rent$32,070

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,969

Loan principal$311,564

Down payment$77,891

Total interest paid$397,383

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.09

Monthly cost to own$2,907

Monthly rent$2,673

Owning and renting are roughly even.

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: 18th percentile^[1]
Rental yield: 53rd percentile^[2]
Property tax: 92nd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 45305?: The typical home in 45305 is worth $389,455, based on the Zillow Home Value Index.
Are home values rising in 45305?: Home values in 45305 are up 2.8% over the past year, and up 5.3% a year over five years.
What is the typical rent in 45305?: A typical home in 45305 rents for about $2,673 a month, a gross rental yield of 8.2%.
What is the property tax rate in 45305?: The effective property tax rate in 45305 is 1.9% — roughly $7,345 a year on a typical home.
Who lives in 45305?: ZIP code 45305 has a population of 11,498 and a median household income of $123,045.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

45434 vs 45305 →
Beavercreek, OH
Typical home
$382,487
Gross yield
—
45387 vs 45305 →
Yellow Springs, OH
Typical home
$376,747
Gross yield
—
45458
Centerville, OH
Typical home
$423,617
Gross yield
4.7%
45312
Casstown, OH
Typical home
$352,860
Gross yield
—
45371
Tipp City, OH
Typical home
$350,400
Gross yield
6.0%
45459
Centerville, OH
Typical home
$336,165
Gross yield
5.7%

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Pit ZIP 45305 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · OH45305

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