Median home value in zip code 45354 (Phillipsburg, OH) is $156,995, up 6.8% year over year. Part of the Dayton-Kettering, OH metropolitan area.

Home Value$156,995

YoY Change

+6.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 45354 (Phillipsburg).

Income (annual)

Down Payment

$31,399 on $156,995

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

Affordable17.6% of income

Under the 28% guideline.

PITI$1,098

P/I17.6%

Afford$250K

Room+$93K

P&I $794Tax $204Ins $100

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

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

Metro Analysis

45354 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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