Median home value in zip code 45440 (Kettering, OH) is $310,475, up 2.8% year over year. Part of the Dayton-Kettering, OH metropolitan area.

Home Value$310,475

YoY Change

+2.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 45440 (Kettering).

Income (annual)

Down Payment

$62,095 on $310,475

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

Stretch33.2% of income

Above 28% but manageable with cuts.

PITI$2,074

P/I33.2%

Afford$262K

Gap-$49K

P&I $1,570Tax $404Ins $100

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

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

Metro Analysis

45440 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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