Median home value in zip code 45318 (Covington, OH) is $231,882, up 3.2% year over year. Part of the Dayton-Kettering, OH metropolitan area.

Home Value$231,882

YoY Change

+3.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 45318 (Covington).

Income (annual)

Down Payment

$46,376 on $231,882

Example: $75,000 household income. Change it above to see your own.

Affordable25.2% of income

Under the 28% guideline.

PITI$1,574

P/I25.2%

Afford$258K

Room+$26K

P&I $1,173Tax $301Ins $100

6.50% 30yr, 20% down, county tax + OH ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

45318 is part of the Dayton-Kettering, OH metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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