Median home value in zip code 45439 (Moraine, OH) is $166,334, up 5.9% year over year. Part of the Dayton-Kettering, OH metropolitan area.

Home Value$166,334

YoY Change

+5.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 45439 (Moraine).

Income (annual)

Down Payment

$33,267 on $166,334

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

Affordable18.5% of income

Under the 28% guideline.

PITI$1,157

P/I18.5%

Afford$252K

Room+$85K

P&I $841Tax $216Ins $100

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

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

Metro Analysis

45439 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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