Real Estate Investing in Englewood, Ohio (45322)

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

Montgomery County • Population: 20,978 • Data updated: September 2026

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Should you buy in 45322 (Englewood, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

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.

What’s happening in Englewood, OH (45322)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $230,415
Avg Monthly Rent $1,409
1% Rule ✗ Does Not Meet
Median Income $69,407
% Renters 25.1%

Market Analysis: 45322 Englewood

Not every below-median market is a bargain. Englewood's 45322 ZIP comes in at signals that favor experienced operators who can absorb the risk $230K pricing implies.

Meanwhile, the numbers look inviting — $230K purchase price, 0.0% nominal cap — the work to hit that pro forma in 45322 is substantial and deserves full respect.

Nearby ZIPs in Englewood have seen price recovery that 45322 has not matched. Montgomery County data supports the view that the spread is structural rather than temporary.

Demographically, 45322 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.

The 45322 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Englewood:

B+ Great
Buy Confidence Score: 78/100
Affordability
20/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.3× the median income
Value Trend
Rising (+6.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,409/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This area shows favorable conditions for homebuyers. Solid fundamentals with reasonable affordability.
⚖️
BALANCED MARKET
Dayton-Kettering, OH Metro Area
Even conditions for buyers and sellers
28 days
Average time to sell
Fast
14.6%
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 Dayton-Kettering, OH metro data
🏠

Property Strategy for 45322

Which property type performs best in this market?

Best for Cash Flow
3BR
5.9% cap rate
Best for Appreciation
2BR
+8.8% 5yr CAGR
Best Overall Value
5BR
$66,267/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $177,334 $1,340 5.4% +8.8% $88,667
3BR $212,878 $1,740 5.9% +8.6% $70,959
4BR $271,270 $1,910 5.1% +8.3% $67,818
5BR $331,333 +6.6% $66,267

Market Trends

Home Value History (with trend line)

$244K$211K$178K$145K$112K$80KJun 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,799$1,706$1,613$1,519$1,426$1,333Apr 2024Jun 2025Jul 2026

📊 How Does 45322 Compare?

Metric 45322 Englewood Dayton-Kettering, OH Ohio
Home Value $230,415 $261,628 N/A $237,530
5-Year CAGR 6.7% 6.7% N/A 7.4%
Avg Rent $1,409 $1,537 N/A -
Cap Rate 4.8% 4.6% - -
💡 Why Invest in 45322? 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 45322 (Englewood, OH). Anonymous, moderated, never written by AI.

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Property managers serving Montgomery County

Manage rentals here? List your business →

Associa RPM provides comprehensive HOA and condominium management services in the greater Columbus, Dublin, Cincinnati, and Dayton areas of Ohio. summary from their website

HOA
Unclaimed — is this your business? Claim it free

Eclipse Community Management offers HOA & Condo Management services in Ohio & Kentucky. summary from their website

HOA
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Frost Property Management offers deluxe, experienced property management services in South Florida for single families, residential condos, multifamilies, and commercial spaces. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.8%
Fair
5yr Growth
+6.7%
Strong

📊 Market Snapshot

Home Value $230,415
Monthly Rent $1,409
Price-to-Rent 13.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.3%
Cap Rate 4.8%
5-Year IRR 11.5%

📈 Home Appreciation

1-Year +6.1% ▲
3-Year CAGR +6.0% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +8.0% ▲

🏠 Rent Trends

1-Year -14.8% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.8%). 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
5.5%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 45322

Population: 20,978

💰 Median Household Income
$69,407
This area
$69,407
State
$68,496
USA
$74,580
🏠 Renter Occupied
25.1%
This area
25.1%
State
25.8%
USA
34.0%
💼 Unemployment Rate
2.5%
This area
2.5%
State
-9.1%
USA
3.7%
🎓 College Educated
27.8%
This area
27.8%
State
8.4%
USA
33.7%
👤 Median Age
42.5 years
This area
42.5 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.5%
This area
5.5%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 84.1%
Black/African American 10.6%
Other/Mixed 5.0%
Hispanic/Latino 1.2%
Asian 0.3%
👶 Under 18
23.4%
This area
23.4%
USA
22.0%
👴 65 and Over
24.1%
This area
24.1%
USA
17.3%
📊 Poverty Rate
3.3%
This area
3.3%
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 45322

B+ Avg School Grade
3 Schools
18.8:1 Avg Class Size
$15,610 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Northmoor Elementary School

📚 02 – 06 School
👥
452 Students
👨‍🏫
17.1:1 Class Size
💰
$15,610 Per Student
B Good

Englewood Hills Elementary School

📚 02 – 06 School
👥
377 Students
👨‍🏫
18.9:1 Class Size
💰
$15,610 Per Student
B Good

Union Elementary School

📚 02 – 06 School
👥
551 Students
👨‍🏫
20.4:1 Class Size
💰
$15,610 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

Northmont Middle School

📚 07 – 08 Middle
📍 4810 National Rd, Clayton
👥
743 Students
👨‍🏫
16.9:1 Class Size
💰
$15,610 Per Student
B Good

Northmont High School

📚 08 – 12 High School
📍 4916 National Rd, Clayton
👥
1,371 Students
👨‍🏫
16.8:1 Class Size
💰
$15,610 Per Student
B Good

Kleptz Early Childhood Learning Center

📚 Pre-K – 01 Elementary
📍 1100 National Rd, Clayton
👥
837 Students
👨‍🏫
20.5:1 Class Size
💰
$15,610 Per Student
B Good

Miami Valley Ctc Alternative

📚 10 – 12 High School
📍 6800 Hoke Rd, Englewood
👥
24 Students
👨‍🏫
6.0:1 Class Size
C Below Average

Miami Valley Ctc

📚 06 – 12 High School Limited Data
📍 6800 Hoke Rd, Englewood
👥
1,706 Students
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

8 Nearby 5,386 Off-Campus Students
C+
Miami Valley Career Technology Center
84 students · 3.8 mi
C+
Ohio Business College-Dayton-Driving Academy
126 students · 5.7 mi
D
United Theological Seminary
471 students · 6.6 mi
C
Creative Images Institute of Cosmetology-North Dayton
186 students · 8.2 mi
C
Ohio Institute of Allied Health
39 students · 10.8 mi
C+
Sinclair Community College
17,431 students · 12.0 mi
C+
Hobart Institute of Welding Technology
327 students · 12.1 mi
D
Ross Medical Education Center-Dayton
106 students · 12.3 mi

Investor Insight: With 5,386 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is it like being a landlord in Englewood, OH?

Englewood, OH operates under OH law, which is landlord-friendly overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.

What kind of market is Englewood, OH for investors?

With a 3.0/5 investability score, Englewood, OH ranks as a solid market for rental property investors. Median prices of $230K and rents of $1,409/mo drive the underlying numbers.

What price range are homes in Englewood, OH?

Typical homes in Englewood, OH go for around $230K. The 5-year CAGR of 0.0% predictable price movement.

What are rental rates like in Englewood, OH?

Rent in Englewood, OH is around $1,409/mo. The resulting rent-to-value relationship with $230K pricing is reasonable for most investor models.

How deep is the rental pool in Englewood, OH?

Englewood, OH offers a even-keeled renter base at the $1,409/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 45322 now. You don’t know where it ranks.

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How 45322 ranks in Dayton-Kettering, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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