The story of this market
The typical home in ZIP 45845 sells for about $325,000, or $165 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $836 a month.
ZIP 45845 — Fort Loramie
The housing market in 45845 remains stable with low inventory and steady demand, driven by the area's reputation for high-quality schools and a safe, rural lifestyle. While price growth has moderated compared to the post-pandemic surge, the market remains balanced with few price cuts and consistent sale-to-list ratios. Buyers are primarily local families looking for long-term stability in a tight-knit community.
This ZIP is ideal for families seeking a quiet, safe, small-town environment with high-quality schools and for those who enjoy outdoor recreation near the lake.
Median prices moved up 3.2% year over year.
Homes spend a median of 42 days on market with 3.1 months of supply — a fast-moving market.
9% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.0% · poverty 3.6% — 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 7.8%/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 5.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 45845, Shelby 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.
Fort Loramie maintains a low crime rate significantly below both state and national averages, with property and violent crime incidents being rare in this rural community.
The Fort Loramie Local School District is highly regarded, consistently ranking among the top-performing districts in the region for academic achievement and student support.
The area faces moderate risk from severe thunderstorms and occasional high winds, though it is generally outside major flood-prone zones; standard property insurance remains stable.
Economic momentum is driven by a mix of local manufacturing, agricultural support, and proximity to larger industrial hubs in Shelby and Auglaize counties.
Property taxes are assessed by Shelby County based on the local millage rate, which includes levies for the school district, county services, and township operations.
Residents primarily rely on personal vehicles for commuting, with easy access to State Route 66 and State Route 47 connecting to nearby employment centers in Sidney and Minster.
The area is anchored by Lake Loramie State Park, which offers extensive boating, fishing, camping, and hiking trails, serving as a primary regional recreational destination.
The rental market is characterized by low inventory and high demand from local workers, with limited turnover and stable, modest rent growth.
The economy is anchored by manufacturing, precision machining, and agricultural services, with many residents employed in the industrial corridors of Shelby County.
Transportation is entirely road-based, with no public transit infrastructure; the area is served by a network of state and county highways.
Development is primarily focused on low-density residential infill and small-scale commercial expansion along the main thoroughfares.
The Shelby County Auditor's office conducts triennial updates and sexennial reappraisals to ensure property assessments reflect current market values.
Parcels are subject to school district levies, county general funds, and township-specific fire and emergency service districts.
Property insurance premiums are generally competitive due to the low-hazard environment, though coverage for wind and hail remains a standard consideration.
Data retrieved from data.census.gov ZCTA-level profiles.
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.
- Eldora Speedway4.813.1 mi
- Mercer County Fairgrounds4.618.7 mi
- Auglaize County Fairgrounds4.318.8 mi
- Crooked Handle Brewing Co. Piqua4.514.6 mi
- Boardwalk Grill - Celina, OH4.117.9 mi
- Lake Loramie State Park4.62.7 mi
- Maria Stein Shrine of the Holy Relics4.87.8 mi
- Versailles Winery4.711.8 mi
- Stillwater Prairie Reserve4.711.4 mi
- The Bicycle Museum of America4.97.7 mi
- Armstrong Air & Space Museum4.719.9 mi
- Maria Stein Shrine of the Holy Relics4.87.8 mi
- Airstream, Inc. HQ - Travel Trailer Plant and Heritage Center4.718.7 mi
- The Temple Of Tolerance4.819.8 mi
- The Bicycle Museum of America4.97.7 mi
- Lake Loramie State Park4.62.7 mi
- Stillwater Prairie Reserve4.711.4 mi
- Four Seasons Recreational Park - Minster4.85.2 mi
- Custenborder Field4.412.8 mi
- Komminsk Legacy Park4.87.6 mi
- Lakeshore Marina4.914.8 mi
- Helton Lodge Rentals517.8 mi
- Echo Hills Golf Club4.212.5 mi
- Stillwater Valley Golf Club4.310.8 mi
- Chesrown Ford of Sidney4.710.6 mi
- Sidney Towne Center4.210.8 mi
- Vandemark Center4.110.7 mi
- Dayton International Airport4.430.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A major regional attraction offering boating, fishing, and extensive trail systems.
Local facility providing sports fields and community gathering spaces.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.