HousingHandbookReference data

U.S. ZIP Code · OH45327

Montgomery County · Dayton-Kettering-Beavercreek, OH

Typical home value

$268,371[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+5.9%
5-year / yr
+6.9%
10-year / yr
+7.2%

Relative price

vs U.S.
-5.5%
vs metro
+9.3%
vs state
+22.7%
ZIP 45327 location in OH
Location of ZIP 45327 in OH

Price history

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

The typical home in 45327 is worth $268,371 — 9.3% above the Dayton-Kettering-Beavercreek, OH median. Over the past year, values have risen 5.9%. The effective property tax rate is 1.3%.

#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
1.3%[3]
Typical annual tax
$3,553[3]

#Climate risk

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

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

#Who lives here

Population
9,315[3]
Median household income
$94,741[3]

#Migration

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

Net migration
-392[5]
Moved in
12,762
Moved out
13,154

Schools

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

Public schools
3
Elementary
1
Middle
1
High
1
  • Valley View Primary School

    Elementary · Grades K–3 · Valley View Local

    532 students

  • Valley View Intermediate School

    Middle · Grades 4–6 · Valley View Local

    494 students

  • Valley View High School

    High · Grades 9–12 · Valley View Local

    476 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$1,357
Loan principal$214,696
Down payment$53,674
Total interest paid$273,834

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$1,876
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
84th percentile[1]
Rental yield
[2]
Property tax
27th percentile[3]

Frequently asked

How much is a home worth in ZIP code 45327?
The typical home in 45327 is worth $268,371, based on the Zillow Home Value Index.
Are home values rising in 45327?
Home values in 45327 are up 5.9% over the past year, and up 6.9% a year over five years.
What is the property tax rate in 45327?
The effective property tax rate in 45327 is 1.3% — roughly $3,553 a year on a typical home.
Who lives in 45327?
ZIP code 45327 has a population of 9,315 and a median household income of $94,741.

#Comparable ZIPs

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

  • Brookville, OH

    Typical home
    $270,742
    Gross yield
  • Shawnee Hills CDP, OH

    Typical home
    $272,394
    Gross yield
  • Miamisburg, OH

    Typical home
    $262,604
    Gross yield
    6.1%
  • Kettering, OH

    Typical home
    $275,162
    Gross yield
    6.6%
  • Xenia, OH

    Typical home
    $257,236
    Gross yield
    6.3%
  • Beavercreek, OH

    Typical home
    $255,353
    Gross yield
    8.0%

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