Best ZIP Codes for Cash Flow in Dayton-Kettering, OH (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 45402 1% rule | Dayton, OH | $75,304 | $1,420 | 14.70% | 4.2% |
| 2 | 45417 1% rule | Dayton, OH | $75,210 | $1,091 | 11.32% | 4.8% |
| 3 | 45416 1% rule | Trotwood, OH | $96,391 | $1,331 | 10.77% | 5.2% |
| 4 | 45406 1% rule | Dayton, OH | $91,777 | $1,084 | 9.21% | 4.8% |
| 5 | 45405 1% rule | Dayton, OH | $90,890 | $1,059 | 9.09% | 4.7% |
| 6 | 45404 1% rule | Dayton, OH | $105,104 | $1,200 | 8.91% | 7.3% |
| 7 | 45403 1% rule | Dayton, OH | $101,655 | $1,037 | 7.96% | 6.4% |
| 8 | 45410 | Dayton, OH | $131,225 | $1,214 | 7.21% | 6.3% |
| 9 | 45414 | Dayton, OH | $186,805 | $1,521 | 6.35% | 6.7% |
| 10 | 45439 | Moraine, OH | $172,868 | $1,407 | 6.35% | 6.1% |
| 11 | 45426 | Trotwood, OH | $172,404 | $1,401 | 6.34% | 9.4% |
| 12 | 45354 | Phillipsburg, OH | $165,579 | $1,314 | 6.19% | 6.6% |
| 13 | 45420 | Kettering, OH | $170,210 | $1,307 | 5.99% | 6.3% |
| 14 | 45324 | Fairborn, OH | $210,298 | $1,525 | 5.65% | 5.8% |
| 15 | 45307 | Bowersville, OH | $133,481 | $963 | 5.63% | 7.6% |
| 16 | 45449 | West Carrollton, OH | $193,254 | $1,379 | 5.57% | 6.9% |
| 17 | 45305 | Bellbrook, OH | $393,523 | $2,673 | 5.30% | 5.2% |
| 18 | 45378 | Verona, OH | $152,477 | $1,035 | 5.29% | 3.9% |
| 19 | 45432 | Beavercreek, OH | $228,925 | $1,450 | 4.94% | 6.2% |
| 20 | 45430 | Beavercreek, OH | $318,243 | $2,000 | 4.90% | 5.1% |
| 21 | 45431 | Beavercreek, OH | $258,315 | $1,605 | 4.85% | 5.1% |
| 22 | 45322 | Englewood, OH | $230,415 | $1,409 | 4.77% | 6.7% |
| 23 | 45424 | Huber Heights, OH | $227,612 | $1,345 | 4.61% | 6.3% |
| 24 | 45356 | Piqua, OH | $184,250 | $1,087 | 4.60% | 6.8% |
| 25 | 45434 | Beavercreek, OH | $390,125 | $2,267 | 4.53% | 5.2% |
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
Appreciation in Dayton-Kettering, OH · Affordable in Dayton-Kettering, OH · 1% Rule in Dayton-Kettering, OH
Or see the full Dayton-Kettering, OH metro profile.