Real Estate Investing in Farmersville, Ohio (45325)

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

Montgomery County • Population: 2,746 • Data updated: September 2026

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Should you buy in 45325 (Farmersville, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

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 Farmersville, OH (45325)?

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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 $301,538
Avg Monthly Rent $1,242
1% Rule ✗ Does Not Meet
Median Income $74,152
% Renters 5.3%

Market Analysis: 45325 Farmersville

Stepping back, ZIP 45325 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $302K median. It rewards specialists, not generalists.

The investment case in 45325 is substantial only for operators who understand what they are buying. A $302K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

In the broader OH picture, 45325 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Who lives in 45325 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategy in 45325 is an operator game, not a passive one. Looking more closely, entry prices of $302K are inviting, the management lift is real and non-optional.

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 Farmersville:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+8.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,242/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
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 45325

Which property type performs best in this market?

Best for Cash Flow
2BR
5.4% cap rate
Best for Appreciation
2BR
+8.6% 5yr CAGR
Best Overall Value
2BR
$92,732/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $185,463 $1,380 5.4% +8.6% $92,732
3BR $292,837 $1,790 4.4% +8.3% $97,612
4BR $372,032 $1,970 3.8% +7.5% $93,008

Market Trends

Home Value History (with trend line)

$320K$276K$232K$188K$144K$99KJul 2006Jul 2016Jul 2026

📊 How Does 45325 Compare?

Metric 45325 Farmersville Dayton-Kettering, OH Ohio
Home Value $301,538 $301,538 N/A $237,530
5-Year CAGR 7.0% 7.0% N/A 7.4%
Avg Rent $1,242 $1,242 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 45325? 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 45325 (Farmersville, 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
Unclaimed — is this your business? Claim it free

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

Single-familySmall multifamilyCommercial
Unclaimed — is this your business? Claim it free

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
3.2%
Low
5yr Growth
+7.0%
Strong

📊 Market Snapshot

Home Value $301,538
Monthly Rent $1,242
Price-to-Rent 20.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +8.1% ▲
3-Year CAGR +6.6% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +8.0% ▲

🏠 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
2.2%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.0%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 45325

Population: 2,746

💰 Median Household Income
$74,152
This area
$74,152
State
$68,496
USA
$74,580
🏠 Renter Occupied
5.3%
This area
5.3%
State
25.8%
USA
34.0%
💼 Unemployment Rate
6.3%
This area
6.3%
State
-9.1%
USA
3.7%
🎓 College Educated
22.5%
This area
22.5%
State
8.4%
USA
33.7%
👤 Median Age
46.5 years
This area
46.5 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
2.2%
This area
2.2%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 96.4%
Other/Mixed 3.6%
Hispanic/Latino 0.1%
👶 Under 18
17.8%
This area
17.8%
USA
22.0%
👴 65 and Over
20.7%
This area
20.7%
USA
17.3%
📊 Poverty Rate
2.5%
This area
2.5%
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 45325

B+ Avg School Grade
1 Schools
15.8:1 Avg Class Size
$14,770 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Valley View Junior High School

📚 07 – 08 Middle
👥
253 Students
👨‍🏫
15.8:1 Class Size
💰
$14,770 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

8 Nearby 5,774 Off-Campus Students
D
United Theological Seminary
471 students · 11.5 mi
C+
Ohio Business College-Dayton-Driving Academy
126 students · 11.5 mi
C+
Dayton Barber College
60 students · 11.7 mi
C+
Miami Valley Career Technology Center
84 students · 11.7 mi
C
Miami University-Middletown
1,213 students · 12.3 mi
C+
Kettering College
812 students · 12.5 mi
C
Ohio Medical Career College
121 students · 12.7 mi
C+
Sinclair Community College
17,431 students · 12.8 mi

Investor Insight: With 5,774 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

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

With a 3.0/5 investability score, Farmersville, OH ranks as a solid market for rental property investors. Median prices of $302K and rents of $1,242/mo drive the underlying numbers.

Should investors worry about vacancy in Farmersville, OH?

Vacancy risk in Farmersville, OH is elevated. That supports measured cash flow for typical rental holds.

What monthly rent should investors expect in Farmersville, OH?

Rents in Farmersville, OH run near $1,242/mo. Compared with median home prices of $302K that produces solid gross yields for typical rentals.

How qualified is the tenant pool in Farmersville, OH?

Working renters make up the core of the Farmersville, OH tenant base. The pool is reasonable for investors targeting long-term holds.

What is the best play in Farmersville, OH?

The best-fit strategy in Farmersville, OH is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 45325 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45325 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 45325 ranks in Dayton-Kettering, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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