Real Estate Investing in Urbana, Ohio (43078)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 43078 (Urbana, OH)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 8.0% vacancy may signal weakening demand.
What’s happening in Urbana, OH (43078)?
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Market Analysis: 43078 Urbana
On balance, ZIP 43078 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $244K median. It rewards specialists, not generalists.
The investment case in 43078 is significant only for operators who understand what they are buying. A $244K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Put differently, 43078 offers a low basis, the region around Urbana has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
The demographic picture in 43078 includes headwinds that any investor should price in. Income distribution skews lower than Urbana averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 43078 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Urbana:
Property Strategy for 43078
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $119,054 | $810 | 4.9% | +8.2% | $119,054 |
| 2BR | $180,185 | $1,040 | 4.2% | +8.0% | $90,092 |
| 3BR | $242,617 | $1,330 | 3.9% | +7.6% | $80,872 |
| 4BR | $308,016 | $1,460 | 3.4% | +7.7% | $77,004 |
| 5BR | $368,952 | — | — | +8.4% | $73,790 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 43078 Compare?
| Metric | 43078 | Urbana | Ohio |
|---|---|---|---|
| Home Value | $243,601 | $243,601 | $237,530 |
| 5-Year CAGR | 5.9% | 5.9% | 7.4% |
| Avg Rent | $997 | $997 | - |
| Cap Rate | 3.2% | 3.2% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 43078 (Urbana, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $243,601 |
| Monthly Rent | $997 |
| Price-to-Rent | 20.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 9.1% |
📈 Home Appreciation
| 1-Year | +7.5% ▲ |
| 3-Year CAGR | +5.7% ▲ |
| 5-Year CAGR | +5.9% ▲ |
| 10-Year CAGR | +7.3% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 43078
Population: 19,985
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 43078
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What are vacancy rates like in Urbana, OH?
Rental vacancy in Urbana, OH is elevated. Investors should budget normal turnover but not chronic empty units.
What are home prices like in Urbana, OH?
Expect median prices around $244K in Urbana, OH. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.
Is Urbana, OH a good place for real estate investing?
Urbana, OH rates 3.0/5 for investability. With median values at $244K and rents near $997/mo, the market offers reasonable fundamentals for rental investors.
Is Urbana, OH good for landlords?
The landlord environment in Urbana, OH is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
How much is rent in Urbana, OH?
Investors in Urbana, OH typically see rents near $997/mo per month against $244K home values - a solid setup for rental cash flow.
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Community Ratings
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