How much do homeowners pay a month in Kettering, OH?

Name: Homeowner costs in Kettering, OH, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Kettering, OH pay a median of $1,467 (±$41) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $686 (±$20).

65.7% of owned homes carry a mortgage.

In Kettering, the median monthly cost with a mortgage went from $1,216 in 2015–2019 to $1,467 in 2020–2024 (+20.6%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,467 (±$41)
Without a mortgage: $686 (±$20)
Owned with a mortgage: 65.7%

Monthly owner costs in Kettering

Median selected monthly owner costs, estimate (90% margin of error)
	Kettering	Montgomery County	Ohio	United States
With a mortgage	$1,467 (±$41)	$1,438 (±$16)	$1,517 (±$5)	$1,963
Without a mortgage	$686 (±$20)	$604 (±$12)	$588 (±$2)	$638
Owned homes with a mortgage	65.7% (±2.3 points)	61.3% (±1.1 points)	60.6% (±0.2 points)	60.6%
Median real estate taxes (a year)	$3,809 (±$107)	$3,127 (±$70)	$2,822 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Kettering, the median cost with a mortgage is not measurably different from Montgomery County ($1,438).

It is also lower than in Ohio ($1,517).

It is lower than the national figure ($1,963).

In Montgomery County, Kettering ranks 12 of 31 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 822 of 2,330.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Kettering have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,216 (±$21)	$1,467 (±$41)	+20.6%	No measurable change after inflation
Median real estate taxes	$2,939 (±$56)	$3,809 (±$107)	+29.6%	Up after inflation
Median home value	$133,800 (±$2,259)	$208,500 (±$5,656)	+55.8%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Kettering

Nearest places with a published estimate, compared with Kettering
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Kettering	—	$1,467 (±$41)	—
Oakwood (Montgomery County)	2.1 mi	$2,469 (±$161)	Higher
Centerville	4.3 mi	$1,781 (±$90)	Higher
Washington Township (Montgomery County)	4.9 mi	$2,039 (±$83)	Higher
Moraine	4.9 mi	$1,233 (±$123)	Lower
Bellbrook	5.3 mi	$1,653 (±$161)	Higher
Beavercreek	5.5 mi	$1,837 (±$60)	Higher
West Carrollton	5.9 mi	$1,442 (±$112)	Not measurably different
Riverside	6.2 mi	$1,098 (±$69)	Lower

Nearby places with a measurably lower figure: Moraine, OH ($1,233), Riverside, OH ($1,098).

Nearby places with a measurably higher figure: Oakwood (Montgomery County), OH ($2,469), Centerville, OH ($1,781), Washington Township (Montgomery County), OH ($2,039).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Montgomery County, place by place

Rank	Place	Median monthly cost with a mortgage
6	Germantown	$1,650 (±$110)
7	Miami Township (Montgomery County)	$1,649 (±$69)
8	Clayton	$1,627 (±$117)
9	Clay Township (Montgomery County)	$1,578 (±$124)
10	Miamisburg	$1,523 (±$101)
11	Perry Township (Montgomery County)	$1,484 (±$259)
12	Kettering	$1,467 (±$41)
13	West Carrollton	$1,442 (±$112)
14	Englewood	$1,425 (±$63)
15	Brookville	$1,395 (±$335)
16	Jackson Township (Montgomery County)	$1,375 (±$132)
17	Vandalia	$1,373 (±$87)
18	Huber Heights	$1,351 (±$56)

Showing 13 of 31 places in Montgomery County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Kettering

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Kettering beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Kettering, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Kettering, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Kettering

What is the average mortgage payment in Kettering?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Kettering, OH is $1,467 (±$41) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Kettering?

Owners without a mortgage in Kettering pay a median of $686 (±$20) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Kettering gone up?

In Kettering, the median monthly cost with a mortgage went from $1,216 in 2015–2019 to $1,467 in 2020–2024 (+20.6%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Kettering city, Ohio (place:40040, in state:39).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.