The story of this market
The typical home in Miami County, Ohio sells for about $249,252, or $156 per square foot.
Prices are roughly flat from a year ago (-0.3%), a market in balance. Homes take about 33 days to sell. Over the long run, values in this county have grown 101% since 2000. Last year 18 of 23 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,248 a month.
HUD sets the fair market rent for a 2-bedroom at $1,248 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+4.6%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+11.8%). Worst: 2010 (-4.1%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3%
OH · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,623
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+4.6%
2025 change
FHFA repeat-sales index, median of 23 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
32
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $28,973,377.
Mortgage activity
Home lending in this county
80.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 5183 | 3072 | 80.1% | 6.5% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Miami County, Ohio
Miami County's housing market exhibits stable, balanced fundamentals characterized by steady transactional throughput and steady pricing near $249,000. Homes remain under contract in approximately 33 days with a 98.2% sale-to-list realization, showing persistent demand insulated by accessible affordability relative to regional metropolitan centers.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 12 cities · 12 ZIP reports
Median prices moved up 2.4% year over year.
Homes spend a median of 49 days on market with 0.4 months of supply — a fast-moving market.
2% of listings have cut prices · homes sell at 97.52% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.4% · poverty 8.7% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 12 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Miami County, Ohio — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 22
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| 45308 | Bradford | $169,000 | $112 | +5% | 86 | 100% | — | 2.5 | 3,205 | $907 | researched Sep 22 |
| 45312 | Casstown | $149,925 | $108 | +11.1% | 38 | — | — | 2.5 | 1,300 | $1,156 | researched Sep 22 |
| 45317 | Conover | $155,000 | $105 | -19.4% | 45 | 98.2% | 18% | 2.3 | 480 | $950 | researched Sep 22 |
| 45318 | Covington | $246,000 | $135 | +2.1% | 38 | 98.2% | 12% | 3.8 | 45 | $838 | researched Sep 22 |
| 45326 | Fletcher | $275,000 | $108 | +5.2% | 38 | 100% | 4.2% | 2.5 | 3,205 | $762 | researched Sep 22 |
| 45339 | Ludlow Falls | $221,707 | $108 | +5% | 38 | 99.7% | 4.2% | 2.5 | 3,205 | $630 | researched Sep 22 |
| 45356 | Piqua | $184,900 | $126 | +10.1% | 51 | 98.5% | 22% | 2.5 | 113 | $921 | researched Sep 22 |
| 45359 | Pleasant Hill | $186,600 | $115 | +3.2% | 45 | 98.5% | 15% | 3 | 12 | $739 | researched Sep 22 |
| 45361 | Potsdam | $241,862 | $108 | +5% | 38 | 100% | 27.1% | 2.5 | 3,205 | $1,604 | researched Sep 22 |
| 45371 | Tipp City | $362,500 | $185 | +1.7% | 49 | 99% | — | — | 218 | $1,106 | researched Sep 22 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Miami County maintains low violent crime rates well below state and national benchmarks, typical of outer-ring suburban and rural Midwestern counties. Property crimes cluster primarily along commercial corridors in Troy and Piqua, but overall safety indices remain favorable regionally.
Public school districts throughout Miami County perform solidly, led by high-performing suburban and rural systems such as Tipp City Exempted Village, Troy City Schools, and Miami East Local Schools, which regularly achieve 4- to 5-star state report card ratings.
Primary natural hazards center on localized riverine and surface flash flooding along the Great Miami River basin, affecting roughly 19% of parcels countywide. Wildfire risk is negligible, while severe convective thunderstorms and tornadic wind events represent the main drivers of insurance sensitivity.
Economic expansion is anchored along the Interstate 75 logistics, aerospace, and advanced manufacturing corridor connecting to the Dayton metropolitan core. Significant ongoing industrial park expansions in Troy, Tipp City, and Piqua bolster local payrolls and private commercial capital investment.
Real estate taxes are assessed on 35% of appraised market value determined by the Miami County Auditor. Gross tax rates reflect voter-approved school, municipality, township, and special district levies, moderated by Ohio's statutory House Bill 920 reduction factors, the 10% rollback, and the standard 2.5% owner-occupied credit.
Rental stock is largely concentrated in multifamily communities and converted historic housing in Troy and Piqua, characterized by steady occupancy and modest single-digit annual rent growth without significant institutional oversupply pressure.
The Miami County economy is anchored by advanced manufacturing, automotive equipment, aviation systems, plastics, logistics, and healthcare services. Major regional anchors include Collins Aerospace, Hobart/ITW, Premier Health (Upper Valley Medical Center), and Abbott Laboratories.
Interstate 75 serves as the primary north-south spine running straight through Tipp City, Troy, and Piqua, connecting residents directly to Dayton, Wright-Patterson Air Force Base, and the I-70 intersection. State Routes 41, 55, and 571 provide regional east-west connectivity.
Development planning focuses heavily on managed commercial expansions along the I-75 interchange overlay districts while preserving prime agricultural parcels and revitalizing historic town centers through community reinvestment area incentives.
Real property valuations are administered by the Miami County Auditor on a statutory six-year reappraisal cycle, updated via a three-year triennial statistical update. Assessed taxable value is calculated uniformly at 35% of fair market value.
Parcels are subject to cross-jurisdictional taxing entities including the Miami Conservancy District for regional flood management, Upper Valley Career Center for joint vocational education, and countywide emergency medical and health service districts.
Property insurance availability remains stable across traditional carriers, though premiums have trended upward in tandem with national inflation, roofing repair costs, and frequent convective wind and hail storm claims in the Miami Valley.
- Ohio Caverns4.828 mi
- Scene75 Entertainment Center | Dayton4.416.8 mi
- Nova Trampoline and Adventure Park4.729.2 mi
- On Par Entertainment4.826.9 mi
- Round1 Bowling & Arcade - Beavercreek4.122.9 mi
- Eldora Speedway4.828.8 mi
- Hollywood Gaming at Dayton Raceway3.918.3 mi
- Nutter Center4.321.9 mi
- University of Dayton Arena4.723.9 mi
- Rose Music Center at The Heights4.715.2 mi
- Aullwood Audubon Center4.815.1 mi
- Cinemark Huber Heights 164.314.9 mi
- Charleston Falls Preserve4.811.6 mi
- Wegerzyn Gardens MetroPark4.819.2 mi
- Thomas A. Cloud Memorial Park4.518.1 mi
- National Museum of the US Air Force4.921.2 mi
- Ohio Caverns4.828 mi
- Historic Clifton Mill4.427.5 mi
- Boonshoft Museum of Discovery4.720.3 mi
- Carillon Historical Park4.824.4 mi
- Aullwood Audubon Center4.815.1 mi
- Charleston Falls Preserve4.811.6 mi
- Wegerzyn Gardens MetroPark4.819.2 mi
- Thomas A. Cloud Memorial Park4.518.1 mi
- Duke Park4.61.9 mi
- Buck Creek Marina4.526.1 mi
- Kiser Lake Marina4.414.2 mi
- Graywolf Golf Club3.919 mi
- Sugar Isle Golf Course412.1 mi
- Cassel Hills Golf Course4.413.3 mi
- Homestead Golf Course4.49.4 mi
- Echo Hills Golf Club4.27.5 mi
- Meijer4.316.2 mi
- Meijer4.315.3 mi
- Rural King4.315.2 mi
- Meijer4.33.6 mi
- Burlington414.7 mi
- Dayton International Airport4.412.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A vibrant municipal core centered around an iconic fountain, hosting independent boutiques, regional eateries, seasonal farmer's markets, and community gatherings such as the Troy Strawberry Festival.
A multi-use paved trail network following the Great Miami River, connecting Troy, Tipp City, and Piqua with scenic biking, running, kayaking access, and regional commuter mobility.
A landmark multi-purpose indoor arena and community event venue in Troy hosting youth ice sports, concerts, trade expos, and high school athletic championships.
A state historic site outside Piqua featuring a preserved 19th-century farmstead, Native American earthworks, a museum gallery, and rides on the General Harrison canal boat.
Encompasses multiple nature reserves, wetlands, and wooded conservation parks including Charleston Falls Preserve, featuring scenic limestone waterfalls and hiking loops.
Data retrieved from U.S. Census Bureau QuickFacts and ACS 5-year profiles for Miami County, OH (FIPS 39109).
Property is assessed at 35% of its true market value. The tax is calculated by multiplying the assessed value by the effective tax rate (millage) of the local taxing district. Exemptions include the Homestead Exemption for qualifying seniors and disabled persons, which reduces the taxable value of the primary residence.
Governed by Ohio Revised Code Chapter 5713.
Ohio is a judicial foreclosure state requiring court action to foreclose. Owners have redemption rights to pay the full amount of taxes, penalties, and costs to stop the sale, typically until the confirmation of sale or decree of foreclosure.
Governed by Ohio Revised Code Chapters 323, 5721, and 5723.
applies when — Applies to the transfer of residential real property consisting of one to four dwelling units.
Sellers must complete a state-prescribed form disclosing known material conditions and defects of the property, including structural, mechanical, and environmental issues.
Governed by Ohio Revised Code Chapter 5302.30.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.