HousingHandbookReference data

U.S. ZIP Code · OH45339

Miami County · Dayton-Kettering-Beavercreek, OH

Typical home value

$325,773[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.3%
5-year / yr
+6.8%
10-year / yr
+6.8%

Relative price

vs U.S.
+14.7%
vs metro
+32.7%
vs state
+49.0%
ZIP 45339 location in OH
Location of ZIP 45339 in OH

Price history

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

The typical home in 45339 is worth $325,773 — 32.7% above the Dayton-Kettering-Beavercreek, OH median. Over the past year, values have risen 2.3%. The effective property tax rate is 1.1%.

#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
1.1%[3]
Typical annual tax
$3,737[3]

#Climate risk

FEMA National Risk Index ratings for Miami 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
Relatively Low
Heat wave
Relatively Low
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
1,057[3]
Median household income
$97,750[3]

#Migration

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

Net migration
+177[5]
Moved in
2,887
Moved out
2,710

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$1,647
Loan principal$260,618
Down payment$65,155
Total interest paid$332,404

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$2,231
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
78th percentile[1]
Rental yield
[2]
Property tax
22nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 45339?
The typical home in 45339 is worth $325,773, based on the Zillow Home Value Index.
Are home values rising in 45339?
Home values in 45339 are up 2.3% over the past year, and up 6.8% a year over five years.
What is the property tax rate in 45339?
The effective property tax rate in 45339 is 1.1% — roughly $3,737 a year on a typical home.
Who lives in 45339?
ZIP code 45339 has a population of 1,057 and a median household income of $97,750.

#Comparable ZIPs

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

  • Cedarville, OH

    Typical home
    $329,074
    Gross yield
  • Kettering, OH

    Typical home
    $319,484
    Gross yield
    5.6%
  • Beavercreek, OH

    Typical home
    $315,951
    Gross yield
  • Centerville, OH

    Typical home
    $336,165
    Gross yield
    5.7%
  • Tipp City, OH

    Typical home
    $350,400
    Gross yield
    6.0%
  • Casstown, OH

    Typical home
    $352,860
    Gross yield

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