Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 45403 — Dayton
The residential housing market in ZIP 45403, Dayton, is currently characterized as very competitive. The market is experiencing significant price appreciation—up 20.4% year-over-year—despite a lower median home price point relative to national averages. Supply remains tight, which is keeping downward pressure on days-on-market, while rental demand remains robust.
Fits investors and first-time home buyers attracted to historic housing stock and urban proximity; rental density supports those seeking affordable housing near the city core.
Median prices moved up 20.4% year over year.
Homes spend a median of 21 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 100% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 10.0% · poverty 35.1% — elevated distress and economic pressure.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 12.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
ZCTA 45403, Montgomery County OH
Not determinable; specific regional comparative crime trends for this ZIP are not currently published in standard market reports.
Schools are served by the Dayton City School District, which faces ongoing challenges typical of urban districts, though localized historic neighborhoods within the ZIP maintain active community associations.
The area is subject to typical Midwest weather patterns, including wind and storm risks; insurance posture follows standard Montgomery County underwriting guidelines.
Development is centered on small-scale urban infill and renovation, particularly in historic districts like St. Anne’s Hill, with proximity to Dayton's central business corridor.
Property taxes are levied by Montgomery County, incorporating local school district levies and city assessments; the median effective tax rate in Dayton is approximately 2.04%.
Convenient access to the central Dayton employment core via local arterial roads; average commute is under 25 minutes.
Features include historic neighborhood amenities, community parks, and proximity to local business districts like 5th Street.
Rental market shows high demand; inventory is constrained with a mix of single-family rentals and multi-unit conversions.
A mix of local small business, office, and service-sector employment; industrial legacy remains in parts of the surrounding region.
Focus remains on historic preservation and urban renovation, particularly in the St. Anne’s Hill area.
Parcels are within the Dayton City School District and Montgomery County tax jurisdiction.
Property-insurance posture is standard for urban residential areas in Montgomery County.
Data retrieved from census.gov ZCTA 45403 tables.
Notable for historic housing stock and community associations.
Community parks serving the neighborhood.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
Unlocked in the Investor tier
Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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