The story of this market
The typical home in ZIP 45409 sells for about $304,368, or $166 per square foot.
Prices are up +14.2% from a year ago, so sellers still have some momentum. Homes take about 30 days to sell. HUD's fair market rent for a two-bedroom is $1,038 a month.
ZIP 45409 — Kettering
45409 remains a highly competitive market, characterized by significant year-over-year price appreciation and brisk sales velocity. While the broader Dayton market shows signs of cooling with increased inventory, 45409 maintains strong demand, likely driven by its unique position near the University of Dayton and robust educational offerings.
This area fits investors and young professionals or students drawn to the university environment, as well as families seeking access to high-performing nearby school districts.
Median prices moved up 14.2% year over year.
Homes spend a median of 30 days on market with 0.0 months of supply — a fast-moving market.
41% of listings have cut prices · homes sell at 98.2% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 11.1% · poverty 16.0% — a mixed stability profile.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 45409, Montgomery County OH
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
45409 is reported to have a crime safety grade of 'A' with a crime index of 47, making it statistically safer than many other areas of Dayton. Crime levels in the broader city remain elevated compared to national averages.
The area is served by several highly-rated institutions, including the Dayton Regional STEM School and Oakwood city schools, which provide strong educational characterization for the zip code.
No specific elevated localized disaster risks such as flood or wildfire are prominently published for this ZIP. Standard insurance practices for the Dayton region apply.
Growth is anchored by the proximity to the University of Dayton and the broader Dayton-Kettering economic hub. There is ongoing interest in urban infill and educational infrastructure.
This ZIP is subject to Montgomery County taxation jurisdiction. Specific local effective rates depend on overlapping municipal and school district levies, which are not calculated at the ZIP level.
Centrally located in Dayton with easy access to major thoroughfares like US-35 and I-75, providing efficient drive times to downtown and major employment centers.
The area features proximity to the University of Dayton campus, local parks, and shopping and dining districts along Brown Street and the nearby Oakwood business district.
Rental market depth is supported by high student demand and young professional populations. Median rent is currently $1,431.
The economy is driven by education via the University of Dayton, healthcare, and government and aerospace sectors within the Dayton-Kettering-Beavercreek metro area.
The area is served by major highway corridors including US-35 and I-75, facilitating regional connectivity.
Planning efforts focus on the continued revitalization of residential assets and support for university-linked housing projects.
Parcels are typically subject to standard municipal, school, and county tax districts.
The area follows a standard regional property-insurance posture; homeowners are advised to maintain coverage aligned with local Dayton-area risks such as wind and storm damage.
Data retrieved from 2024 Census/ACS estimates.
- Land of Illusion Adventure Park4.414.5 mi
- Caesar Creek State Park4.616.7 mi
- Scene75 Entertainment Center | Dayton4.48.1 mi
- Nova Trampoline and Adventure Park4.75.3 mi
- On Par Entertainment4.85.1 mi
- Ohio Renaissance Festival4.718.8 mi
- Hollywood Gaming at Dayton Raceway3.96.7 mi
- Nutter Center4.38.6 mi
- Land of Illusion Adventure Park4.414.5 mi
- University of Dayton Arena4.71.1 mi
- National Museum of the US Air Force4.96.1 mi
- Cinemark The Greene IMAX and SCREENX4.55.1 mi
- Nova Trampoline and Adventure Park4.75.3 mi
- Cinemark Dayton South 16 and XD4.55.7 mi
- Cox Arboretum MetroPark4.84.8 mi
- National Museum of the US Air Force4.96.1 mi
- Boonshoft Museum of Discovery4.74.7 mi
- Carillon Historical Park4.80.6 mi
- Aullwood Audubon Center4.811.4 mi
- Air Force Museum Foundation Meetings & Events4.96.2 mi
- Cox Arboretum MetroPark4.84.8 mi
- Carillon Historical Park4.80.6 mi
- Aullwood Audubon Center4.811.4 mi
- Wegerzyn Gardens MetroPark4.85.8 mi
- Delco Park4.73.6 mi
- Caesar Creek State Park Marina4.717.2 mi
- Heatherwoode Golf Club4.712.8 mi
- PipeStone Golf Club4.38 mi
- Golf Galaxy Performance Center3.95.8 mi
- Community Golf Course40.7 mi
- Graywolf Golf Club3.910.2 mi
- Dayton Mall46.1 mi
- The Greene4.55.1 mi
- The Mall at Fairfield Commons4.38 mi
- Meijer4.24 mi
- Dorothy Lane Market4.71.6 mi
- Dayton International Airport4.412.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major anchor institution driving local economy and housing demand.
Primary commercial corridor serving the university and surrounding residential areas.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.