The story of this market
The typical home in Montgomery County, Ohio sells for about $232,319, or $149 per square foot.
Prices are up +3.3% from a year ago, so sellers still have some momentum. Homes take about 31 days to sell. Over the long run, values in this county have grown 85% since 2000. Last year 95 of 129 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,248 a month.
HUD sets the fair market rent for a 2-bedroom at $1,248 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
+2.8%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+12.3%). Worst: 2011 (-4.1%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3%
OH · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,623
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+2.8%
2025 change
FHFA repeat-sales index, median of 129 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
16
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $119,158,374.
Mortgage activity
Home lending in this county
77%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 22068 | 12096 | 77% | 8.3% | $115,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Montgomery County, Ohio
The Montgomery County housing market shows moderate growth with a 3.3% year-over-year increase in median sale prices. Inventory levels remain constrained, contributing to a competitive environment where homes sell in approximately 31 days.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 18 cities · 31 ZIP reports
Median prices moved up 3.5% year over year.
Homes spend a median of 39 days on market with 0.1 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 33.9% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 15.2% — a stable, low-distress profile.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 31 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 20, 2026.
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 20
researched Sep 20
researched Sep 21
researched Sep 20
researched Oct 3
| 45309 | Brookville | $288,250 | $166 | -8.3% | 58 | — | — | — | 38 | $982 | researched Sep 22 |
| 45315 | Clayton | $225,000 | $145 | +5.2% | 38 | 98.5% | 12% | 2.5 | 25 | $921 | researched Sep 22 |
| 45322 | Englewood | $250,000 | $139 | +5% | 35 | 100% | — | 2.5 | 176 | $986 | researched Sep 22 |
| 45325 | Farmersville | $214,839 | $149 | -3.4% | 35 | 100% | — | — | 170 | $1,060 | researched Sep 22 |
| 45327 | Germantown | $276,000 | $199 | 0% | 41 | — | — | — | 33 | $980 | researched Sep 22 |
| 45342 | Miamisburg | $274,950 | $165 | +4.6% | 44 | — | — | — | 91 | $1,312 | researched Sep 20 |
| 45345 | New Lebanon | $197,500 | $153 | -0.9% | 27 | 99.4% | 28% | 1.7 | 1,212 | $915 | researched Sep 20 |
| 45377 | Vandalia | $253,000 | $148 | +20% | 35 | 98.5% | 20% | 4.2 | 99 | $898 | researched Sep 21 |
| 45402 | Dayton | $134,960 | $77 | -1.8% | 58 | — | — | — | 71 | $1,015 | researched Sep 20 |
| 45403 | Dayton | $139,939 | $119 | +20.4% | 21 | 100% | — | — | 96 | $779 | researched Oct 3 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Ohio) — Real Property Tax Assessment: Property is assessed at 35% of its true market value. The tax is calculated by multiplying the assessed value by the effective tax rate (millage) of the local taxing district.
- Kings Island4.629.3 mi
- Great Wolf Lodge | Mason4.228.8 mi
- Land of Illusion Adventure Park4.413.8 mi
- Caesar Creek State Park4.624.2 mi
- Scene75 Entertainment Center | Dayton4.410.3 mi
- Spooky Nook Sports Champion Mill4.226.8 mi
- Liberty Center4.627 mi
- Ohio Renaissance Festival4.726.6 mi
- Hollywood Gaming at Dayton Raceway3.910.4 mi
- Lindner Family Tennis Center4.728.7 mi
- National Museum of the US Air Force4.913.1 mi
- Cinemark The Greene IMAX and SCREENX4.514.1 mi
- Nova Trampoline and Adventure Park4.713.8 mi
- Cinemark Dayton South 16 and XD4.510.6 mi
- Cox Arboretum MetroPark4.810.1 mi
- National Museum of the US Air Force4.913.1 mi
- Historic Clifton Mill4.428.2 mi
- Boonshoft Museum of Discovery4.78.3 mi
- Carillon Historical Park4.88.6 mi
- Aullwood Audubon Center4.88.8 mi
- Cox Arboretum MetroPark4.810.1 mi
- Carillon Historical Park4.88.6 mi
- Aullwood Audubon Center4.88.8 mi
- Charleston Falls Preserve4.815.3 mi
- Wegerzyn Gardens MetroPark4.88.5 mi
- Heatherwoode Golf Club4.716.8 mi
- PipeStone Golf Club4.311.5 mi
- Golf Galaxy Performance Center3.911.2 mi
- Brown's Run Public Golf Course, Bar, And Event Center4.214.4 mi
- Community Golf Course49.4 mi
- Dayton Mall411.3 mi
- The Greene4.514.1 mi
- The Mall at Fairfield Commons4.315.8 mi
- Meijer4.212.9 mi
- Dorothy Lane Market4.710.5 mi
- Dayton International Airport4.412 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
data.census.gov
Ohio is a judicial foreclosure state requiring court action to foreclose. Owners have redemption rights to pay the full amount of taxes, penalties, and costs to stop the sale, typically until the confirmation of sale or decree of foreclosure.
Governed by Ohio Revised Code Chapters 323, 5721, and 5723.
Property is assessed at 35% of its true market value. The tax is calculated by multiplying the assessed value by the effective tax rate (millage) of the local taxing district. Exemptions include the Homestead Exemption for qualifying seniors and disabled persons, which reduces the taxable value of the primary residence.
Governed by Ohio Revised Code Chapter 5713.
applies when — Applies to the transfer of residential real property consisting of one to four dwelling units.
Sellers must complete a state-prescribed form disclosing known material conditions and defects of the property, including structural, mechanical, and environmental issues.
Governed by Ohio Revised Code Chapter 5302.30.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.