Real Estate Investing in Sabina, Ohio (45169)

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

Clinton County • Population: 4,410 • Data updated: September 2026

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Should you buy in 45169 (Sabina, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
CLEAN

No major risk flags on the data we track.

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

What’s happening in Sabina, OH (45169)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $220,062
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $55,767
% Renters 30.1%

Market Analysis: 45169 Sabina

In practical terms, ZIP 45169 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $220K median. It rewards specialists, not generalists.

The 45169 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Nearby ZIPs in Sabina have seen price recovery that 45169 has not matched. Clinton County data supports the view that the spread is structural rather than temporary.

Demographically, 45169 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Sabina:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+7.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Wilmington, OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
12.1%
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 Wilmington, OH metro data
🏠

Property Strategy for 45169

Which property type performs best in this market?

Best for Cash Flow
2BR
5.0% cap rate
Best for Appreciation
2BR
+9.7% 5yr CAGR
Best Overall Value
4BR
$64,473/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $140,964 $970 5.0% +9.7% $70,482
3BR $217,349 $1,270 4.2% +8.0% $72,450
4BR $257,892 $1,590 4.4% +8.1% $64,473

Market Trends

Home Value History (with trend line)

$232K$197K$163K$128K$93K$58KJul 2006Jul 2016Jul 2026

📊 How Does 45169 Compare?

Metric 45169 Sabina Wilmington, OH Ohio
Home Value $220,062 $220,062 N/A $237,530
5-Year CAGR 5.5% 5.5% N/A 7.4%
Avg Rent $873 $873 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 45169? 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 45169 (Sabina, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+5.5%
Moderate

📉 Market Crash Risk Index

Based on Wilmington, OH metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
55%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $220,062
Monthly Rent $873
Price-to-Rent 21.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 8.6%

📈 Home Appreciation

1-Year +7.9% ▲
3-Year CAGR +6.0% ▲
5-Year CAGR +5.5% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
7.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 45169

Population: 4,410

💰 Median Household Income
$55,767
This area
$55,767
State
$68,496
USA
$74,580
🏠 Renter Occupied
30.1%
This area
30.1%
State
25.8%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-9.1%
USA
3.7%
🎓 College Educated
10.7%
This area
10.7%
State
8.4%
USA
33.7%
👤 Median Age
42.7 years
This area
42.7 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
7.4%
This area
7.4%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 97.9%
Other/Mixed 2.1%
Hispanic/Latino 0.9%
👶 Under 18
21.9%
This area
21.9%
USA
22.0%
👴 65 and Over
18.6%
This area
18.6%
USA
17.3%
📊 Poverty Rate
15.3%
This area
15.3%
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 45169

A Avg School Grade
3 Schools
16.9:1 Avg Class Size
$19,769 Avg Per Pupil

Schools in This ZIP Code

A Very Good

East Clinton Junior High School

📚 06 – 08 Middle
👥
268 Students
👨‍🏫
14.9:1 Class Size
💰
$19,769 Per Student
B+ Above Average

East Clinton High School

📚 09 – 12 High School
👥
296 Students
👨‍🏫
17.4:1 Class Size
💰
$19,769 Per Student
B+ Above Average

Sabina Elementary School

📚 Pre-K – 05 Elementary
👥
375 Students
👨‍🏫
18.3:1 Class Size
💰
$19,769 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
C
Wilmington College
964 students · 9.9 mi

Frequently Asked Questions

Is Sabina, OH better for rentals, flips, or BRRRR?

For Sabina, OH, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

What is the typical rental rate in Sabina, OH?

Investors in Sabina, OH typically see rents near $873/mo per month against $220K home values - a solid setup for rental cash flow.

Is housing expensive in Sabina, OH?

Sabina, OH home values average about $220K. That price point suits investors targeting rentals with $873/mo in monthly income.

What is the rental occupancy rate in Sabina, OH?

Occupancy in Sabina, OH runs consistent with elevated vacancy. Well-priced units at $873/mo lease on reasonable timelines.

Does Sabina, OH favor landlords or tenants?

Rental owners in Sabina, OH deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

You know 45169 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45169 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 45169 ranks in Wilmington, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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