Housing data for ZIP code 45409
ZIP code 45409 has an estimated 15,293 residents and 3,372 homes (US Census Bureau, 2020–2024 American Community Survey).
Most of its land lies in Kettering, Montgomery County.
27.8% of households rent.
The median gross rent is $1,038 (±$114) a month.
The median home value is $249,000 (±$28,123).
The median household income is $87,283 (±$12,028) a year.
Figures last updated on .
- Residents
- 15,293 (±1,436)
- Median gross rent
- $1,038
- Median home value
- $249,000
- Households that rent
- 27.8%
How ZIP code 45409 compares
| ZIP 45409 | Kettering | Montgomery County | Ohio | United States | |
|---|---|---|---|---|---|
| Residents | 15,293 (±1,436) | 57,206 | 536,096 | 11,810,293 | 334,922,499 |
| Housing units | 3,372 (±236) | 27,191 | 252,843 | 5,292,391 | 143,775,355 |
| Households that rent | 27.8% (±4.8 points) | 35.1% | 37.5% | 32.8% | 34.8% |
| Median gross rent | $1,038 (±$114) | $1,051 | $1,026 | $1,034 | $1,413 |
| Median home value | $249,000 (±$28,123) | $208,500 | $180,900 | $214,800 | $332,700 |
| Median household income | $87,283 (±$12,028) | $74,681 | $66,139 | $71,389 | $80,734 |
| Median real estate taxes (a year) | $4,273 (±$586) | $3,809 | $3,127 | $2,822 | $3,119 |
| Renters paying 30% or more of income | 51.8% (±14.4 points) | 44.1% | 46.8% | 45.9% | 51.1% |
| Built before 1980 | 83.9% (±9.4 points) | 85.5% | 73.6% | 63.4% | 49.7% |
| Average commute | 16.7 minutes (±1.9) | 20.3 minutes | 21.9 minutes | 23.4 minutes | 26.4 minutes |
| Households with broadband | 91.7% (±3.0 points) | 94.0% | 90.6% | 90.1% | 91.0% |
| Median age of residents | 21.0 years (±0.4) | 38.5 years | 38.8 years | 39.7 years | 38.9 years |
In ZIP 45409, median gross rent is not measurably different from Montgomery County ($1,026).
It is not measurably different from Ohio ($1,034).
It is lower than the national figure ($1,413).
The median gross rent in ZIP code 45409 is not measurably different from Kettering as a whole ($1,051).
Its median home value is higher than in Kettering as a whole ($208,500).
Among the 29 ZIP codes in Montgomery County with a published estimate, ZIP 45409 ranks 11 from highest to lowest median gross rent.
Among the 29 ZIP codes in Montgomery County with a published estimate, ZIP 45409 ranks 3 from highest to lowest median home value.
Among the 29 ZIP codes in Montgomery County with a published estimate, ZIP 45409 ranks 6 from highest to lowest median household income.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
Rent in ZIP code 45409
| Monthly gross rent | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| Less than $500 | 11.5% (±6.2 points) | 7.7% | 8.8% | 6.3% |
| $500 to $999 | 34.7% (±11.3 points) | 39.8% | 38.3% | 20.2% |
| $1,000 to $1,499 | 37.0% (±10.0 points) | 38.3% | 34.5% | 28.1% |
| $1,500 to $1,999 | 3.8% (±4.3 points) | 10.2% | 12.3% | 21.1% |
| $2,000 to $2,499 | 1.4% (±2.2 points) | 2.5% | 3.7% | 12.0% |
| $2,500 to $2,999 | 5.8% (±5.0 points) | 0.8% | 1.1% | 5.5% |
| $3,000 or more | 5.8% (±6.5 points) | 0.8% | 1.3% | 6.8% |
The most common range is $1,000 to $1,499, paid by 37.0% of renting households.
Rent by bedrooms in ZIP code 45409
| Bedrooms | Census median | HUD Small Area Fair Market Rent |
|---|---|---|
| Studio | $1,294 (±$253) | $970 |
| 1 bedroom | $871 (±$194) | $1,070 |
| 2 bedrooms | $1,094 (±$107) | $1,330 |
| 3 bedrooms | $1,366 (±$466) | $1,730 |
| 4 bedrooms | — | $1,890 |
HUD’s fiscal year 2027 Small Area Fair Market Rent for a two-bedroom home in ZIP 45409 is $1,330 a month.
A Fair Market Rent is HUD’s estimate of the gross rent (shelter plus utilities) of a modest rental home in the area.
Rent burden in ZIP code 45409
| Share of income spent on rent | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| Less than 15% | 11.7% (±6.9 points) | 15.5% | 15.5% | 12.6% |
| 15% to 19.9% | 12.1% (±8.6 points) | 13.3% | 13.5% | 12.2% |
| 20% to 24.9% | 8.8% (±7.5 points) | 12.7% | 12.9% | 12.6% |
| 25% to 29.9% | 15.7% (±12.5 points) | 11.6% | 12.1% | 11.5% |
| 30% to 34.9% | 9.3% (±6.3 points) | 8.6% | 8.6% | 9.2% |
| 35% or more | 42.5% (±12.9 points) | 38.2% | 37.3% | 41.9% |
51.8% (±14.4 points) of renting households in ZIP code 45409 spend 30% or more of their income on gross rent.
Home values in ZIP code 45409
| Value | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| Less than $50,000 | 0.7% (±1.1 points) | 6.9% | 6.3% | 5.3% |
| $50,000 to $99,999 | 4.2% (±2.8 points) | 14.2% | 10.0% | 6.1% |
| $100,000 to $149,999 | 16.6% (±5.2 points) | 16.5% | 13.4% | 6.8% |
| $150,000 to $199,999 | 12.7% (±4.6 points) | 18.4% | 16.3% | 9.0% |
| $200,000 to $299,999 | 27.7% (±6.7 points) | 23.4% | 23.3% | 17.8% |
| $300,000 to $499,999 | 31.9% (±7.3 points) | 16.6% | 21.8% | 26.9% |
| $500,000 to $999,999 | 6.2% (±3.2 points) | 3.5% | 7.7% | 20.9% |
| $1,000,000 or more | 0.0% (±1.7 points) | 0.5% | 1.2% | 7.1% |
Value is the owner’s own estimate of what the home and lot would sell for, not a sale price or an assessment.
The homes in ZIP code 45409
| Building type | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| Single-family, detached | 66.4% (±4.9 points) | 67.4% | 68.8% | 61.3% |
| Single-family, attached (townhouse, rowhouse) | 4.0% (±2.4 points) | 7.1% | 4.9% | 6.2% |
| 2 units | 2.3% (±1.7 points) | 2.1% | 3.6% | 3.4% |
| 3 or 4 units | 11.5% (±3.2 points) | 6.5% | 4.3% | 4.3% |
| 5 to 9 units | 4.7% (±2.6 points) | 6.0% | 4.6% | 4.5% |
| 10 to 19 units | 1.3% (±0.9 points) | 4.0% | 3.9% | 4.3% |
| 20 or more units | 9.8% (±3.3 points) | 5.5% | 6.5% | 10.3% |
| Mobile home | 0.0% (±1.1 points) | 1.3% | 3.4% | 5.6% |
| Boat, RV, van, etc. | 0.0% (±1.1 points) | 0.1% | 0.1% | 0.1% |
When the homes in ZIP code 45409 were built
| Year built | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| 2020 or later | 0.9% (±0.8 points) | 0.7% | 1.1% | 2.0% |
| 2010 to 2019 | 3.1% (±1.4 points) | 3.0% | 5.6% | 9.4% |
| 2000 to 2009 | 7.5% (±4.4 points) | 6.4% | 9.7% | 13.6% |
| 1990 to 1999 | 0.9% (±0.8 points) | 7.3% | 11.1% | 12.4% |
| 1980 to 1989 | 3.7% (±2.5 points) | 9.0% | 9.1% | 12.9% |
| 1970 to 1979 | 7.8% (±3.3 points) | 17.1% | 14.0% | 14.2% |
| 1960 to 1969 | 10.3% (±3.7 points) | 16.8% | 11.7% | 9.9% |
| 1950 to 1959 | 15.7% (±4.7 points) | 16.7% | 13.1% | 9.5% |
| 1940 to 1949 | 17.4% (±4.3 points) | 7.4% | 5.6% | 4.4% |
| 1939 or earlier | 32.7% (±4.9 points) | 15.6% | 19.0% | 11.7% |
83.9% of the homes in ZIP code 45409 were built before 1980, so many fall under the federal lead-paint disclosure rules for homes built before 1978.
Heating fuel in ZIP code 45409
| Fuel used most | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| Utility gas | 73.5% (±5.2 points) | 63.3% | 64.0% | 46.5% |
| Fuel oil, kerosene, etc. | 0.0% (±1.2 points) | 0.9% | 1.7% | 3.9% |
| Electricity | 22.0% (±5.2 points) | 32.0% | 26.0% | 41.3% |
| Bottled or tank gas (propane) | 3.7% (±2.1 points) | 2.5% | 5.6% | 4.9% |
| Wood | 0.0% (±1.2 points) | 0.4% | 1.4% | 1.4% |
| Solar energy | 0.0% (±1.2 points) | 0.0% | 0.0% | 0.3% |
| Coal or coke | 0.4% (±0.6 points) | 0.0% | 0.1% | 0.1% |
| Other fuel | 0.0% (±1.2 points) | 0.4% | 0.7% | 0.5% |
| No fuel used | 0.5% (±0.7 points) | 0.6% | 0.5% | 1.2% |
How people in ZIP code 45409 get to work
| Means of transportation | ZIP 45409 | Montgomery County | Ohio | United States |
|---|---|---|---|---|
| Drove alone | 57.5% (±5.2 points) | 76.2% | 75.1% | 68.8% |
| Carpooled | 3.0% (±1.6 points) | 7.7% | 7.5% | 8.5% |
| Public transportation | 2.1% (±2.1 points) | 1.2% | 1.0% | 3.2% |
| Walked | 22.4% (±4.3 points) | 2.0% | 2.0% | 2.4% |
| Other means (bicycle, taxi, motorcycle) | 0.7% (±0.7 points) | 1.0% | 1.5% | 2.0% |
| Worked from home | 14.4% (±4.0 points) | 12.0% | 13.0% | 15.1% |
Workers who live in ZIP code 45409 take an average of 16.7 minutes to get to work.
Places in ZIP code 45409
| Place | Share of the ZIP’s land in this place | Median gross rent | Households that rent |
|---|---|---|---|
| Kettering | 47% | $1,051 | 35.1% |
| Dayton | 30% | $918 | 51.6% |
| Moraine | 13% | $1,035 | 44.6% |
| Oakwood (Montgomery County) | 10% | $1,416 | 17.9% |
A township or a New York town includes the villages inside it, so their shares can add up to more than the whole.
ZIP codes near 45409
| ZIP code | Distance | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|---|
| 45419 | 1.2 mi | $1,034 | $248,400 | $92,264 | 32.7% |
| 45469 | 1.4 mi | — | — | — | — |
| 45410 | 2.4 mi | $986 | $110,600 | $46,651 | 50.7% |
| 45439 | 2.7 mi | $1,084 | $143,300 | $52,035 | 44.5% |
| 45402 | 2.9 mi | $1,015 | $135,700 | $48,401 | 64.1% |
| 45429 | 2.9 mi | $1,070 | $238,700 | $80,210 | 30.2% |
| 45420 | 3.1 mi | $985 | $131,300 | $60,588 | 37.6% |
| 45403 | 3.5 mi | $779 | $87,500 | $38,323 | 60.0% |
Crime reported to police in Kettering
Most of ZIP code 45409 is policed by the Kettering Police Department, which reported 86 violent and 1,380 property crimes per 100,000 residents to the FBI in 2025.
The FBI publishes crime by police department, not by ZIP code, so this is the department’s figure for the whole area it serves.
ZIP code 45409 is reported as ZIP Code Tabulation Area 45409: the Census Bureau’s area built from census blocks to match the ZIP code’s delivery area as closely as it can.
Survey years: 2020–2024 (American Community Survey 5-year estimates).
Margins of error are at the 90% confidence level.
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Questions about ZIP 45409
What is the median rent in ZIP code 45409?
The median gross rent in ZIP Code Tabulation Area 45409 is $1,038 (±$114) a month (2020–2024 American Community Survey).
What is the median home value in ZIP code 45409?
The median value of owner-occupied homes in ZIP code 45409 is $249,000 (±$28,123) (2020–2024 American Community Survey).
What is the median household income in ZIP code 45409?
The median household income in ZIP code 45409 is $87,283 (±$12,028) a year (2020–2024 American Community Survey).
What town is ZIP code 45409 in?
Most of ZIP code 45409’s land lies in Kettering; it also covers Dayton, Moraine, Oakwood (Montgomery County).
What is the Fair Market Rent for a two-bedroom in ZIP 45409?
HUD’s fiscal year 2027 Small Area Fair Market Rent for a two-bedroom home in ZIP 45409 is $1,330 a month.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — ZCTA5 45409
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — ZCTA5 45409
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — ZCTA5 45409
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — ZCTA5 45409
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — ZCTA5 45409
- Median Gross Rent by Bedrooms (B25031), 2020–2024 ACS 5-year estimates — ZCTA5 45409
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- HUD Small Area Fair Market Rents, fiscal year 2027
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Kettering Police Department (ORI OH0570500)
- FBI: Uniform Crime Reporting statistics and their proper use
- US Census Bureau, 2024 Gazetteer Files
- US Census Bureau, 2020 ZIP Code Tabulation Area relationship files
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) for ZCTA5 45409 (zip code tabulation area:45409).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0134E, DP04_0134M, DP04_0089E, DP04_0089M, DP03_0062E, DP03_0062M, DP04_0047PE, DP04_0047PM
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.
Figures last updated on .