How much is a home worth in ZIP code 45431?

The typical home in 45431 is worth $255,353, based on the Zillow Home Value Index.

Are home values rising in 45431?

Home values in 45431 are up 4.1% over the past year, and up 5.5% a year over five years.

What is the typical rent in 45431?

A typical home in 45431 rents for about $1,695 a month, a gross rental yield of 8.0%.

What is the property tax rate in 45431?

The effective property tax rate in 45431 is 1.8% — roughly $4,492 a year on a typical home.

ZIP code 45431 has a population of 27,951 and a median household income of $83,175.

HousingHandbookReference data

…

U.S. ZIP Code · OH45431

Greene County · Dayton-Kettering-Beavercreek, OH

Typical home value

$255,353^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +4.1%
5-year / yr: +5.5%
10-year / yr: +6.4%

Relative price

vs U.S.: -10.1%
vs metro: +4.0%
vs state: +16.8%

Price history

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

The typical home in 45431 is worth $255,353 — 4.0% above the Dayton-Kettering-Beavercreek, OH median. Over the past year, values have risen 4.1%. Homes here rent for a typical $1,695 a month — a 8.0% gross rental yield. The effective property tax rate is 1.8%.

#Rent & investment

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

Monthly rent: $1,695^[2]
Gross yield: 8.0%^[2]
Cap rate: 4.8%^[2]

#Property tax

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

Effective tax rate: 1.8%^[3]
Typical annual tax: $4,492^[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: 27,951^[3]
Median household income: $83,175^[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: 6
Elementary: 4
Middle: 0
High: 0

Shaw Elementary School
Elementary · Grades K–5 · Beavercreek City
638 students
Saville Elementary School
Elementary · Grades K–4 · Mad River Local
381 students
Beverly Gardens Elementary School
Elementary · Grades K–4 · Mad River Local
366 students
Virginia Stevenson Elementary School
Elementary · Grades K–4 · Mad River Local
306 students
Beavercreek City School Preschool
Prekindergarten · Grades PK · Beavercreek City
237 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 yield8.0%

Net yield (after ~40% expenses)4.8%

Annual rent$20,343

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$1,291

Loan principal$204,282

Down payment$51,071

Total interest paid$260,551

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 ratio1.11

Monthly cost to own$1,879

Monthly rent$1,695

Renting is meaningfully cheaper month-to-month.

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: 20th percentile^[1]
Rental yield: 43rd percentile^[2]
Property tax: 73rd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 45431?: The typical home in 45431 is worth $255,353, based on the Zillow Home Value Index.
Are home values rising in 45431?: Home values in 45431 are up 4.1% over the past year, and up 5.5% a year over five years.
What is the typical rent in 45431?: A typical home in 45431 rents for about $1,695 a month, a gross rental yield of 8.0%.
What is the property tax rate in 45431?: The effective property tax rate in 45431 is 1.8% — roughly $4,492 a year on a typical home.
Who lives in 45431?: ZIP code 45431 has a population of 27,951 and a median household income of $83,175.

#Comparable ZIPs

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

45385 vs 45431 →
Xenia, OH
Typical home
$257,236
Gross yield
6.3%
45337 vs 45431 →
Laura, OH
Typical home
$250,719
Gross yield
—
45409
Kettering, OH
Typical home
$249,804
Gross yield
8.3%
45342
Miamisburg, OH
Typical home
$262,604
Gross yield
6.1%
45377
Vandalia, OH
Typical home
$247,485
Gross yield
4.8%
45359
Pleasant Hill, OH
Typical home
$243,646
Gross yield
—

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#Jump to section

U.S. ZIP Code · OH45431

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