Centerville, Ohio.
Typical home $386,981 (+2.2% in a year), asking rent $1,688 (+1.1%). Dayton-Kettering, OH metro.
Property tax and schools in Centerville
Centerville’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Centerville is in Montgomery County, where its property tax is set. Its homes there are in the Centerville City school district. Check your own bill.
to buy the typical home at today's mortgage rate — +$1,117 (+122%) since Jan 2020.
- 1 year
- Up $8,478 +2%
- $378,503$386,981 since Sep 2025
- 5 years
- Up $89,434 +30%
- $297,547$386,981 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Centerville$2,031
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Centerville, OH rose 2.2% over the past year — faster than the nation's +1.2%.
Asking rents in Centerville, OH rose 1.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in Centerville runs $1,315/mo more than renting one — the widest that gap has been in this data.
That is $3,003 a month against $1,688 rent: a $2,031 mortgage payment, plus $557 property tax and $414 insurance & upkeep.
Owning vs renting — Centerville
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,003
- Renting$1,688
- Mortgage only$2,031
Property tax · $557/mo 1.73% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, OH
Insurance & upkeep · $414/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Centerville, Montgomery County, Ohio
Centerville is a city of 24,240 people in Montgomery County. Half its households earn more than $85,492 a year and half less, against $66,139 across Montgomery County; 9% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Centerville was 3.4% in August 2026, and Montgomery County had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Centerville is a city in Montgomery County, Ohio, with a population on the older side and a high share of adults who hold a four-year degree. Household incomes run well above the county's, and most homes are lived in by their owners rather than rented. Winters are cold and snowy, summers are warm, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, and in restaurants, hotels and entertainment. Among the largest workplaces in Centerville are Centerville City Schools, St. Leonard, and the Kroger Cincinnati-Dayton KMA. Unemployment is lower than it was a year earlier, a typical commute is short, and a good number of people work from home.
Things to do. Close to town, the Cox Arboretum and Gardens MetroPark is a botanical garden a short drive away, and SunWatch Indian Village is a museum, also a short drive away. The Dayton Art Institute, an art museum, is a short drive as well. For a longer outing, the National Museum of the United States Air Force is a longer drive away.
Report a mistake
- 11,829households
- 47%of adults have a degree
- 9%below the poverty line
- 20 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Montgomery County had 251,925 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 22°; warmest in July, with highs near 86° and lows near 65°. About 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dayton Wright Bros Airport weather station, 5 miles away (NOAA).
Largest employers in Centerville
- Centerville Board of Education1,589
- Miami Valley Hospital1,551
- Graceworks Lutheran Sevices1,039
- The Kroger Company855
- Franciscan at St. Leonard614
- Federal Government563
- Costco Wholesale Corporation375
- Premier Health Specialists Inc331
From the City of Centerville’s annual financial report for 2024, its schedule of principal employers (its source: “Finance Office”), as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- Ice stormsRelatively moderate
- HailRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Centerville’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Montgomery County and the Dayton-Kettering, OH metro.
Centerville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Centerville$386,981
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 Centerville listings, and the typical home goes pending in 12 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Centerville39.98%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Centerville12
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Centerville190
New listings per month
Sellers arriving at the market.
- Centerville83
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Centerville$385,294
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Centerville99.82%
Zip codes with a Centerville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Centerville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.