Real Estate Investing in Gettysburg, Ohio (45328)

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

Darke County • Population: 538 • Data updated: September 2026

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Should you buy in 45328 (Gettysburg, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GREAT FIT
Grade A (86/100)

Strong fundamentals — affordable, appreciating, and stable. A confident pick for primary residence.

📈 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
1 flag
  • Elevated vacancy: 11.6% vacancy may signal weakening demand.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Gettysburg, OH (45328)?

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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 $157,132
Avg Monthly Rent $1,098
1% Rule ✗ Does Not Meet
Median Income $55,625
% Renters 37.1%

Market Analysis: 45328 Gettysburg

In practical terms, ZIP 45328 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $157K median. It rewards specialists, not generalists.

Distressed markets are won on execution, not on spreadsheets. ZIP 45328 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

In the broader OH picture, 45328 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 45328 includes headwinds that any investor should price in. Income distribution skews lower than Gettysburg averages, and tenant stability requires active management.

Strategically, 45328 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Gettysburg:

B Good
Buy Confidence Score: 73/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Rising (+19.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,098/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
Greenville, OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
13.2%
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 Greenville, OH metro data

Market Trends

Home Value History (with trend line)

$165K$144K$124K$103K$82K$62KJul 2006Jul 2016Jul 2026

📊 How Does 45328 Compare?

Metric 45328 Gettysburg Greenville, OH Ohio
Home Value $157,132 $157,132 N/A $237,530
5-Year CAGR 7.7% 7.7% N/A 7.4%
Avg Rent $1,098 $1,098 N/A -
Cap Rate 5.5% 5.5% - -
💡 Why Invest in 45328? Click to expand

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

A healthy rental market with 37% renter-occupied households ensures tenant availability.

📊 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 45328 (Gettysburg, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.5%
Fair
5yr Growth
+7.7%
Strong

📉 Market Crash Risk Index

Based on Greenville, OH metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
58%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $157,132
Monthly Rent $1,098
Price-to-Rent 11.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.4%
Cap Rate 5.5%
5-Year IRR 13.2%

📈 Home Appreciation

1-Year +19.6% ▲
3-Year CAGR +9.8% ▲
5-Year CAGR +7.7% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.5%). 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
11.6%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 45328

Population: 538

💰 Median Household Income
$55,625
This area
$55,625
State
$68,496
USA
$74,580
🏠 Renter Occupied
37.1%
This area
37.1%
State
25.8%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-9.1%
USA
3.7%
🎓 College Educated
12.7%
This area
12.7%
State
8.4%
USA
33.7%
👤 Median Age
35.0 years
This area
35.0 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
11.6%
This area
11.6%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 98.8%
Other/Mixed 1.2%
Hispanic/Latino 0.3%
👶 Under 18
36.2%
This area
36.2%
USA
22.0%
👴 65 and Over
16.2%
This area
16.2%
USA
17.3%
📊 Poverty Rate
9.4%
This area
9.4%
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 45328

Nearby Schools (2 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

Bradford High School

📚 06 – 12 High School
📍 750 Railroad Ave, Bradford
👥
244 Students
👨‍🏫
14.1:1 Class Size
💰
$16,224 Per Student
B+ Above Average

Bradford Elementary School

📚 Pre-K – 05 Elementary
📍 740 Railroad Ave, Bradford
👥
255 Students
👨‍🏫
15.8:1 Class Size
💰
$16,224 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.

Frequently Asked Questions

Should investors worry about vacancy in Gettysburg, OH?

Vacancy in Gettysburg, OH is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,098/mo.

Are renters plentiful in Gettysburg, OH?

Gettysburg, OH draws a consistent base of working renters. Demand at the $1,098/mo rent level is reasonable for standard single-family and small multi rentals.

How strict are landlord regulations in Gettysburg, OH?

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

How much do tenants pay in Gettysburg, OH?

Rent in Gettysburg, OH is around $1,098/mo. The resulting rent-to-value relationship with $157K pricing is reasonable for most investor models.

How expensive is real estate in Gettysburg, OH?

The median home value in Gettysburg, OH is roughly $157K. That puts it reasonable relative to the OH statewide average.

You know 45328 now. You don’t know where it ranks.

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How 45328 ranks in Greenville, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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