Dayton, Ohio.
Typical home $137,939 (+1.0% in a year), asking rent $1,241 (+3.1%). Dayton-Kettering, OH metro.
Property tax and schools in Dayton
Dayton’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Dayton is in Montgomery County, where its property tax is set. Its homes there are in 8 school districts: Dayton City, Fairborn City, Huber Heights City, Jefferson Township Local, Mad River Local, Northridge Local, Trotwood-Madison City and Vandalia-Butler City. Check your own bill.
to buy the typical home at today's mortgage rate — +$416 (+135%) since Jan 2020.
- 1 year
- Up $1,307 +1%
- $136,632$137,939 since Sep 2025
- 5 years
- Up $30,166 +28%
- $107,773$137,939 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.
- Dayton$724
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Dayton, OH rose 1.0% over the past year — slower than the nation's +1.2%.
Asking rents in Dayton, OH rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Dayton runs $170/mo less than renting one. The gap peaked at $332 in Jul 2020.
That is $1,070 a month against $1,241 rent: a $724 mortgage payment, plus $199 property tax and $148 insurance & upkeep.
Owning vs renting — Dayton
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$1,070
- Renting$1,241
- Mortgage only$724
Property tax · $199/mo 1.73% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, OH
Insurance & upkeep · $148/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 Dayton, Montgomery County, Ohio
Dayton is a city of 137,644 people in Montgomery County. Half its households earn more than $45,247 a year and half less, against $66,139 across Montgomery County; 27% of its people live below the poverty line. 48% of its homes are lived in by their owners and 52% are rented. Unemployment in Dayton was 4.6% 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 manufacturing.
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. Dayton is a city with a younger population than much of the country, and more renters than owners. Household incomes run well below the county's, and a larger share of people live below the poverty line than is typical. Homes cost less than in many parts of the country, and winters are cold and snowy, with warm summers and rain spread through the year.
Work. Many residents work in schools, hospitals and social care, followed by manufacturing, restaurants and hotels, and shops. Miami Valley Hospital, Dayton Children's Hospital and the University of Dayton are among the largest workplaces in the city. Unemployment has come down over the past year, and the typical commute is fairly short.
Things to do. Dayton is closely tied to the history of flight. The National Museum of the United States Air Force is a short drive away, and the Dayton Aviation Heritage National Historical Park is also nearby. In town, the Dayton Art Institute is a museum of art, and the Boonshoft Museum of Discovery is a museum for families.
Report a mistake
- 58,477households
- 22%of adults have a degree
- 27%below the poverty line
- 20 mintypical commute
- 10%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 36° and lows near 20°; warmest in July, with highs near 87° and lows near 66°. About 12 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dayton Mcd weather station, 2 miles away (NOAA).
Largest employers in Dayton
- Premier Health Partners11,738
- Kettering Health Network9,977
- Montgomery County4,318
- Dayton Children's Hospital4,235
- University of Dayton3,200
- Veterans Administration2,969
- Sinclair Community College2,614
- Care Source2,400
From the City of Dayton’s annual financial report for 2024, its schedule of principal employers (its source: “Dayton Business Journal”), as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Dayton’s census tracts, against the rest of the country; all of them together, very 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.
Dayton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Dayton$137,939
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 Dayton listings, and the typical home goes pending in 16 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.
- Dayton32.17%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Dayton16
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Dayton792
New listings per month
Sellers arriving at the market.
- Dayton257
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Dayton$156,092
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Dayton98.33%
Zip codes with a Dayton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Dayton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Dayton
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 45459 | Dayton | 28,553 | $1,569 | $334,239 |
| 45417 | Dayton | 28,186 | $1,069 | $75,042 |
| 45414 | Dayton | 21,167 | $1,384 | $183,945 |
| 45406 | Dayton | 19,991 | $1,072 | $92,680 |
| 45405 | Dayton | 18,955 | $1,032 | $89,985 |
| 45410 | Dayton | 14,694 | $1,255 | $129,441 |
| 45403 | Dayton | 13,608 | $1,076 | $100,922 |
| 45404 | Dayton | 9,826 | $1,099 | $99,942 |
| 45402 | Dayton | 9,407 | $1,418 | $75,331 |