Real Estate Investing in Ludlow Falls, Ohio (45339)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45339 (Ludlow Falls, 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 26.1 — hard to cash-flow at these prices.
• 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 Ludlow Falls, OH (45339)?
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Market Analysis: 45339 Ludlow Falls
Turning to rents, ZIP 45339 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $343K median. It rewards specialists, not generalists.
Distressed markets are won on execution, not on spreadsheets. ZIP 45339 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
In the broader OH picture, 45339 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 45339 includes headwinds that any investor should price in. Income distribution skews lower than Ludlow Falls averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 45339 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Ludlow Falls:
Property Strategy for 45339
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $332,926 | $1,580 | 3.4% | +7.5% | $110,975 |
| 4BR | $414,226 | $1,740 | 3.0% | +8.4% | $103,557 |
Market Trends
Home Value History (with trend line)
📊 How Does 45339 Compare?
| Metric | 45339 | Ludlow Falls | Dayton-Kettering, OH | Ohio |
|---|---|---|---|---|
| Home Value | $343,194 | $343,194 | N/A | $237,530 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 7.4% |
| Avg Rent | $1,098 | $1,098 | N/A | - |
| Cap Rate | 2.5% | 2.5% | - | - |
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 45339 (Ludlow Falls, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $343,194 |
| Monthly Rent | $1,098 |
| Price-to-Rent | 26.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.8% |
| Cap Rate | 2.5% |
| 5-Year IRR | 9.6% |
📈 Home Appreciation
| 1-Year | +7.6% ▲ |
| 3-Year CAGR | +5.6% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +7.3% ▲ |
🏠 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 (2.5%). 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.
Demographics in 45339
Population: 982
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 45339
Nearby Schools (2 more)
Schools in adjacent ZIP codes that may serve this area
Newton High School
Newton Elementary School
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
Investor Insight: With 1,742 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Are homes affordable in Ludlow Falls, OH?
Ludlow Falls, OH median home values land near $343K. That is reasonable territory for investors looking at $1,098/mo-per-month rentals.
How strong is tenant demand in Ludlow Falls, OH?
Working renters make up the core of the Ludlow Falls, OH tenant base. The pool is reasonable for investors targeting long-term holds.
What do rentals go for in Ludlow Falls, OH?
Rental rates in Ludlow Falls, OH average $1,098/mo. Tenant demand and $343K home values make the yield look reasonable by investor standards.
Does house hacking work in Ludlow Falls, OH?
House hacking works a challenging in Ludlow Falls, OH. Rents of $1,098/mo against $343K acquisition make the strategy solid for owner-occupants.
How do landlord-tenant laws work in Ludlow Falls, OH?
OH ranks as a landlord-friendly state for landlord-tenant law. Ludlow Falls generally follows the statewide framework, so landlords face reasonable operating rules.
You know 45339 now. You don’t know where it ranks.
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How 45339 ranks in Dayton-Kettering, OH
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