The story of this market
The typical home in ZIP 45431 sells for about $149,925, or $108 per square foot.
Prices are up +11.1% from a year ago, so sellers still have some momentum. Homes take about 38 days to sell. HUD's fair market rent for a two-bedroom is $1,327 a month.
ZIP 45431 — Riverside
The 45431 housing market shows resilience with a median sale price of approximately $150,000 and a year-over-year appreciation of 11.1%. High demand relative to inventory keeps the market competitive, with homes selling in an average of 38 days. The area remains an affordable option for families and commuters, supported by its proximity to major regional employment hubs.
This ZIP is well-suited for first-time homebuyers, military-affiliated personnel, and commuters seeking affordable access to the Dayton-Beavercreek employment core.
Median prices moved up 11.1% year over year.
Homes spend a median of 38 days on market with 0.2 months of supply — a fast-moving market.
44% of listings have cut prices · homes sell at 100% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 9.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
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 1.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 45431, 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.
Crime trends in the Dayton area are monitored via regional FBI data, with specific ZIP-level safety scores often reflecting broader urban-suburban variations within Montgomery County.
Schools serving the 45431 area are primarily part of the Dayton Public Schools and surrounding suburban districts, with performance ratings varying significantly by specific school site.
The area is subject to standard Midwestern climate risks, including seasonal severe thunderstorms and occasional wind events; flood risk is localized to specific drainage basins.
Economic momentum is driven by proximity to Wright-Patterson Air Force Base and the broader Dayton-Kettering-Beavercreek employment corridor, supporting steady demand for workforce housing.
Property taxes are assessed at the county level by Montgomery County, with rates determined by local school district levies, municipal millage, and state-mandated valuation cycles.
Residents benefit from direct access to major regional arteries including US-35 and I-675, facilitating commutes to downtown Dayton and the Wright-Patterson employment hub.
The area features access to local community parks and is within a short drive of the extensive Five Rivers MetroParks system, offering trails and green space.
The rental market is characterized by steady demand, with HUD-regulated Fair Market Rents for a two-bedroom unit at $1,570, reflecting a competitive environment for standard-quality housing.
The local economy is anchored by the aerospace and defense sector, with Wright-Patterson Air Force Base serving as the primary regional employer.
The area is served by a network of state highways and is integrated into the Greater Dayton RTA transit service area.
Development is largely focused on the revitalization of existing residential corridors and infrastructure maintenance.
The Montgomery County Auditor manages property assessments, with triennial updates to ensure valuations align with market trends.
Parcels are subject to standard municipal and school district taxation, with no significant MUD/PID overlays reported.
Property insurance premiums are influenced by regional exposure to severe weather, with standard coverage widely available.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Caesar Creek State Park4.617.5 mi
- Scene75 Entertainment Center | Dayton4.47.4 mi
- Nova Trampoline and Adventure Park4.77.4 mi
- On Par Entertainment4.84.6 mi
- Round1 Bowling & Arcade - Beavercreek4.11.6 mi
- Ohio Renaissance Festival4.719 mi
- Hollywood Gaming at Dayton Raceway3.95.9 mi
- Nutter Center4.32.1 mi
- University of Dayton Arena4.76.4 mi
- Hidden Valley Orchards4.318 mi
- National Museum of the US Air Force4.91.7 mi
- Cinemark The Greene IMAX and SCREENX4.55 mi
- Nova Trampoline and Adventure Park4.77.4 mi
- Cox Arboretum MetroPark4.810.5 mi
- Cinemark Dayton South 16 and XD4.511.3 mi
- National Museum of the US Air Force4.91.7 mi
- Historic Clifton Mill4.413.9 mi
- Boonshoft Museum of Discovery4.76.4 mi
- Carillon Historical Park4.86.5 mi
- Aullwood Audubon Center4.812.6 mi
- Cox Arboretum MetroPark4.810.5 mi
- Carillon Historical Park4.86.5 mi
- Charleston Falls Preserve4.811 mi
- Aullwood Audubon Center4.812.6 mi
- John Bryan State Park4.812.4 mi
- Caesar Creek State Park Marina4.717.9 mi
- Golf Galaxy Performance Center3.911.2 mi
- Community Golf Course46.7 mi
- Cassel Hills Golf Course4.49.8 mi
- Meadowbrook at Clayton4.412.3 mi
- WGC Golf Course4.49.7 mi
- Dayton Mall411.5 mi
- The Greene4.54.6 mi
- The Mall at Fairfield Commons4.31.5 mi
- Meijer4.25.9 mi
- Dorothy Lane Market4.76 mi
- Dayton International Airport4.412 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Regional network of parks and trails serving the Dayton area.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.