Real Estate Investing in Cedarville, Ohio (45314)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45314 (Cedarville, 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.
- High price-to-rent: Price-to-rent ratio 27.5 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Cedarville, OH (45314)?
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Market Analysis: 45314 Cedarville
The 45314 ZIP in Cedarville, OH is a local-operator market. Outside capital chasing a $335K entry has to pair deep knowledge with the discount.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 45314 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Statewide comparisons place 45314 among OH's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Put differently, 6,488 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategy in 45314 is an operator game, not a passive one. Looking more closely, entry prices of $335K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Cedarville:
Property Strategy for 45314
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $189,587 | $1,130 | 4.3% | +6.5% | $94,793 |
| 3BR | $294,236 | $1,470 | 3.6% | +6.3% | $98,079 |
| 4BR | $400,940 | $1,610 | 2.9% | +7.0% | $100,235 |
Market Trends
Home Value History (with trend line)
📊 How Does 45314 Compare?
| Metric | 45314 | Cedarville | Dayton-Kettering, OH | Ohio |
|---|---|---|---|---|
| Home Value | $335,171 | $335,171 | N/A | $237,530 |
| 5-Year CAGR | 5.7% | 5.7% | N/A | 7.4% |
| Avg Rent | $1,017 | $1,017 | N/A | - |
| Cap Rate | 2.4% | 2.4% | - | - |
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 45314 (Cedarville, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $335,171 |
| Monthly Rent | $1,017 |
| Price-to-Rent | 27.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.6% |
| Cap Rate | 2.4% |
| 5-Year IRR | 8.1% |
📈 Home Appreciation
| 1-Year | +10.0% ▲ |
| 3-Year CAGR | +6.0% ▲ |
| 5-Year CAGR | +5.7% ▲ |
| 10-Year CAGR | +6.9% ▲ |
🏠 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 (2.4%). 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 45314
Population: 6,488
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 45314
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 home prices like in Cedarville, OH?
Median home price in Cedarville, OH is near $335K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.
How strong are rents in Cedarville, OH?
The typical rental in Cedarville, OH commands about $1,017/mo monthly. That rent profile steady cash flow against the $335K purchase basis.
Is it easy to find good tenants in Cedarville, OH?
The renter base in Cedarville, OH is reasonable for the $1,017/mo price point. Screening well and pricing to market typically yields even-keeled tenants.
Is Cedarville, OH a friendly market for rental owners?
Cedarville, OH falls under OH landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
Does Cedarville, OH make sense for an investment property?
The 3.0/5 investability rating in Cedarville, OH reflects its $335K prices and $1,017/mo rents. Investors generally consider it a solid option within OH.
You know 45314 now. You don’t know where it ranks.
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How 45314 ranks in Dayton-Kettering, OH
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