Real Estate Investing in Fayetteville, Ohio (45118)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Brown County • Population: 3,789 • Data updated: September 2026

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Should you buy in 45118 (Fayetteville, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 19.0% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Fayetteville, OH (45118)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $301,838
Avg Monthly Rent $1,224
1% Rule ✗ Does Not Meet
Median Income $86,046
% Renters 16.4%

Market Analysis: 45118 Fayetteville

This part of Brown County is not an easy win. The 45118 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

From an investor standpoint, the numbers look inviting — $302K purchase price, 0.0% nominal cap — the work to hit that pro forma in 45118 is substantial and deserves full respect.

Statewide comparisons place 45118 among OH's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 45118 includes headwinds that any investor should price in. Income distribution skews lower than Fayetteville averages, and tenant stability requires active management.

The right play in 45118 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Fayetteville:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Declining (-0.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,224/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Cincinnati, OH-KY-IN Metro Area
Even conditions for buyers and sellers
29 days
Average time to sell
Fast
12.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Cincinnati, OH-KY-IN metro data
🏠

Property Strategy for 45118

Which property type performs best in this market?

Best for Cash Flow
3BR
4.3% cap rate
Best for Appreciation
4BR
+8.2% 5yr CAGR
Best Overall Value
4BR
$96,208/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $245,810 $1,360 4.0% +6.3% $122,905
3BR $302,915 $1,830 4.3% +7.7% $100,972
4BR $384,834 $2,260 4.2% +8.2% $96,208

Market Trends

Home Value History (with trend line)

$326K$284K$241K$199K$156K$114KJul 2006Jul 2016Jul 2026

📊 How Does 45118 Compare?

Metric 45118 Fayetteville Cincinnati, OH-KY-IN Ohio
Home Value $301,838 $301,838 N/A $237,530
5-Year CAGR 4.0% 4.0% N/A 7.4%
Avg Rent $1,224 $1,224 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 45118? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 45118 (Fayetteville, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+4.0%
Moderate

📊 Market Snapshot

Home Value $301,838
Monthly Rent $1,224
Price-to-Rent 20.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 7.1%

📈 Home Appreciation

1-Year -0.1% ▼
3-Year CAGR +2.7% ▲
5-Year CAGR +4.0% ▲
10-Year CAGR +6.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
19.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.0%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 45118

Population: 3,789

💰 Median Household Income
$86,046
This area
$86,046
State
$68,496
USA
$74,580
🏠 Renter Occupied
16.4%
This area
16.4%
State
25.8%
USA
34.0%
💼 Unemployment Rate
2.5%
This area
2.5%
State
-9.1%
USA
3.7%
🎓 College Educated
10.1%
This area
10.1%
State
8.4%
USA
33.7%
👤 Median Age
42.8 years
This area
42.8 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
19.0%
This area
19.0%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 97.8%
Black/African American 1.1%
Other/Mixed 1.1%
👶 Under 18
23.3%
This area
23.3%
USA
22.0%
👴 65 and Over
15.9%
This area
15.9%
USA
17.3%
📊 Poverty Rate
1.5%
This area
1.5%
USA
11.5%

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 45118

B Avg School Grade
3 Schools
17.4:1 Avg Class Size
$14,716 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Fayetteville-Perry Elementary School

📚 K – 05 Elementary
👥
357 Students
👨‍🏫
17.9:1 Class Size
💰
$14,716 Per Student
B+ Above Average

Fayetteville-Perry High School

📚 09 – 12 High School
👥
223 Students
👨‍🏫
15.9:1 Class Size
💰
$14,716 Per Student
B Good

Fayetteville-Perry Middle School

📚 06 – 08 Middle
👥
183 Students
👨‍🏫
18.3:1 Class Size
💰
$14,716 Per Student
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

1 Nearby
D
Chatfield College
0 students · 3.5 mi

Frequently Asked Questions

What is the rental occupancy rate in Fayetteville, OH?

Fayetteville, OH vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

How much does a house cost in Fayetteville, OH?

In Fayetteville, OH the median home value sits at $302K. Against the broader OH market, that reads as reasonable for most investors.

What are rental rates like in Fayetteville, OH?

Rental rates in Fayetteville, OH average $1,224/mo. Tenant demand and $302K home values make the yield look reasonable by investor standards.

What type of investing works in Fayetteville, OH?

Investors usually favor careful cash-flow rentals with hands-on management in Fayetteville, OH. With home values at $302K and rents near $1,224/mo, other strategies can work but produce measured rather than outsized returns.

Is Fayetteville, OH a good place for real estate investing?

Yes - Fayetteville, OH a 3.0/5 investability score. With $302K home prices against $1,224/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 45118 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45118 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 45118 ranks in Cincinnati, OH-KY-IN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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