Real Estate Investing in Russia, Ohio (45363)

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

Shelby County • Population: 1,862 • Data updated: September 2026

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Should you buy in 45363 (Russia, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (77/100)

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
1 flag
  • High price-to-rent: Price-to-rent ratio 32.8 — 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 Russia, OH (45363)?

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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 $360,775
Avg Monthly Rent $918
1% Rule ✗ Does Not Meet
Median Income $87,054
% Renters 15.1%

Market Analysis: 45363 Russia

Investors eyeing 45363 need to respect the fundamentals at play. Home values of $361K come alongside slower price movement and elevated management overhead.

The 45363 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Statewide comparisons place 45363 among OH's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Employment concentration in 45363 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Russia's stable or hybrid ZIPs before stepping into 45363. The learning curve here is expensive when the lesson is wrong.

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 Russia:

C+ Average
Buy Confidence Score: 68/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+10.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $918/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
Sidney, OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
11.4%
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 Sidney, OH metro data
🏠

Property Strategy for 45363

Which property type performs best in this market?

Best for Cash Flow
3BR
2.9% cap rate
Best for Appreciation
4BR
+9.1% 5yr CAGR
Best Overall Value
3BR
$113,575/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $340,725 $1,370 2.9% +9.0% $113,575
4BR $465,849 $1,430 2.2% +9.1% $116,462

Market Trends

Home Value History (with trend line)

$379K$329K$279K$229K$179K$129KJul 2006Jul 2016Jul 2026

📊 How Does 45363 Compare?

Metric 45363 Russia Sidney, OH Ohio
Home Value $360,775 $360,775 N/A $237,530
5-Year CAGR 7.2% 7.2% N/A 7.4%
Avg Rent $918 $918 N/A -
Cap Rate 2.0% 2.0% - -
💡 Why Invest in 45363? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 45363 (Russia, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+7.2%
Strong

📉 Market Crash Risk Index

Based on Sidney, OH metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $360,775
Monthly Rent $918
Price-to-Rent 32.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.1%
Cap Rate 2.0%
5-Year IRR 9.2%

📈 Home Appreciation

1-Year +10.4% ▲
3-Year CAGR +9.0% ▲
5-Year CAGR +7.2% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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
2.3%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 45363

Population: 1,862

💰 Median Household Income
$87,054
This area
$87,054
State
$68,496
USA
$74,580
🏠 Renter Occupied
15.1%
This area
15.1%
State
25.8%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-9.1%
USA
3.7%
🎓 College Educated
23.1%
This area
23.1%
State
8.4%
USA
33.7%
👤 Median Age
38.1 years
This area
38.1 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
2.3%
This area
2.3%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 97.5%
Other/Mixed 2.5%
Hispanic/Latino 0.1%
👶 Under 18
29.6%
This area
29.6%
USA
22.0%
👴 65 and Over
19.1%
This area
19.1%
USA
17.3%
📊 Poverty Rate
7.3%
This area
7.3%
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 45363

C+ Avg School Grade
2 Schools
28.9:1 Avg Class Size
$14,023 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Russia Elementary School

📚 K – 06 School
👥
231 Students
👨‍🏫
17.7:1 Class Size
💰
$14,023 Per Student
C Below Average

Russia High School

📚 07 – 12 High School
👥
205 Students
👨‍🏫
40.1:1 Class Size
💰
$14,023 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

2 Nearby 1,742 Off-Campus Students
C
Upper Valley Career Center
113 students · 11.1 mi
C
Edison State Community College
4,548 students · 11.3 mi

Investor Insight: With 1,742 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How strong is Russia, OH for real estate investors?

Russia, OH scores 3.0/5 for investability. Home values sit at $361K and rents near $918/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Are homes affordable in Russia, OH?

Russia, OH median home values land near $361K. That is reasonable territory for investors looking at $918/mo-per-month rentals.

How much is rent in Russia, OH?

Russia, OH rentals go for roughly $918/mo a month. That puts gross yield in solid territory relative to $361K acquisition costs.

How quickly do rentals get leased in Russia, OH?

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

Which investment style suits Russia, OH?

A careful cash-flow rentals with hands-on management strategy Russia, OH best. The market produces consistent results for that approach at the $361K price point.

You know 45363 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45363 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 45363 ranks in Sidney, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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