U.S. ZIP Code · OH45409
Montgomery County · Dayton-Kettering-Beavercreek, OH
Appreciation
- 1-year
- +2.1%
- 5-year / yr
- +6.1%
- 10-year / yr
- +6.6%
Relative price
- vs U.S.
- -12.1%
- vs metro
- +1.7%
- vs state
- +14.2%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 45409 is worth $249,804 — 1.7% above the Dayton-Kettering-Beavercreek, OH median. Over the past year, values have risen 2.1%. Homes here rent for a typical $1,726 a month — a 8.3% 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.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#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
#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
- 1
- Elementary
- 1
- Middle
- 0
- High
- 0
Southdale Elementary School
Elementary · Grades K–5 · Kettering City School District
504 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 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.
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.
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.
Frequently asked
- How much is a home worth in ZIP code 45409?
- The typical home in 45409 is worth $249,804, based on the Zillow Home Value Index.
- Are home values rising in 45409?
- Home values in 45409 are up 2.1% over the past year, and up 6.1% a year over five years.
- What is the typical rent in 45409?
- A typical home in 45409 rents for about $1,726 a month, a gross rental yield of 8.3%.
- What is the property tax rate in 45409?
- The effective property tax rate in 45409 is 1.9% — roughly $4,848 a year on a typical home.
- Who lives in 45409?
- ZIP code 45409 has a population of 15,293 and a median household income of $87,283.
#Comparable ZIPs
Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.
Laura, OH
- Typical home
- $250,719
- Gross yield
- —
Vandalia, OH
- Typical home
- $247,485
- Gross yield
- 4.8%
Beavercreek, OH
- Typical home
- $255,353
- Gross yield
- 8.0%
Pleasant Hill, OH
- Typical home
- $243,646
- Gross yield
- —
Fletcher, OH
- Typical home
- $243,191
- Gross yield
- —
Xenia, OH
- Typical home
- $257,236
- Gross yield
- 6.3%
Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →
Compare ZIPs
Pit ZIP 45409 against any other ZIP — full side-by-side table.
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