Fastest-Appreciating ZIP Codes in Dayton-Kettering, OH (2026)
Ranked by 5-year compound annual growth in home values. Fast growth and strong cash flow rarely appear in the same ZIP — this is the other side of that trade.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 45426 | Trotwood, OH | $172,404 | $1,401 | 6.34% | 9.4% |
| 2 | 45307 | Bowersville, OH | $133,481 | $963 | 5.63% | 7.6% |
| 3 | 45415 | Clayton, OH | $232,825 | $1,071 | 3.59% | 7.5% |
| 4 | 45404 1% rule | Dayton, OH | $105,104 | $1,200 | 8.91% | 7.3% |
| 5 | 45317 | Conover, OH | $230,100 | $927 | 3.14% | 7.1% |
| 6 | 45339 | Ludlow Falls, OH | $343,194 | $1,098 | 2.50% | 7.1% |
| 7 | 45325 | Farmersville, OH | $301,538 | $1,242 | 3.21% | 7.0% |
| 8 | 45449 | West Carrollton, OH | $193,254 | $1,379 | 5.57% | 6.9% |
| 9 | 45315 | Englewood, OH | $292,841 | $1,665 | 4.44% | 6.8% |
| 10 | 45356 | Piqua, OH | $184,250 | $1,087 | 4.60% | 6.8% |
| 11 | 45327 | Germantown, OH | $272,470 | $1,062 | 3.04% | 6.7% |
| 12 | 45322 | Englewood, OH | $230,415 | $1,409 | 4.77% | 6.7% |
| 13 | 45414 | Dayton, OH | $186,805 | $1,521 | 6.35% | 6.7% |
| 14 | 45383 | West Milton, OH | $243,573 | $1,017 | 3.26% | 6.6% |
| 15 | 45354 | Phillipsburg, OH | $165,579 | $1,314 | 6.19% | 6.6% |
| 16 | 45309 | Brookville, OH | $276,707 | $1,107 | 3.12% | 6.5% |
| 17 | 45337 | Laura, OH | $264,237 | $1,026 | 3.03% | 6.4% |
| 18 | 45403 1% rule | Dayton, OH | $101,655 | $1,037 | 7.96% | 6.4% |
| 19 | 45312 | Casstown, OH | $366,243 | $1,188 | 2.53% | 6.4% |
| 20 | 45377 | Vandalia, OH | $248,805 | $1,035 | 3.24% | 6.3% |
| 21 | 45420 | Kettering, OH | $170,210 | $1,307 | 5.99% | 6.3% |
| 22 | 45424 | Huber Heights, OH | $227,612 | $1,345 | 4.61% | 6.3% |
| 23 | 45410 | Dayton, OH | $131,225 | $1,214 | 7.21% | 6.3% |
| 24 | 45318 | Covington, OH | $246,490 | $891 | 2.82% | 6.3% |
| 25 | 45432 | Beavercreek, OH | $228,925 | $1,450 | 4.94% | 6.2% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Dayton-Kettering, OH · Affordable in Dayton-Kettering, OH · 1% Rule in Dayton-Kettering, OH
Or see the full Dayton-Kettering, OH metro profile.