Real Estate Investing in Union City, Ohio (45390)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45390 (Union City, OH)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.
- Elevated vacancy: 10.9% vacancy may signal weakening demand.
- Elevated poverty: 22.2% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Union City, OH (45390)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45390 Union City
Not every below-median market is a bargain. Union City's 45390 ZIP reflects signals that favor experienced operators who can absorb the risk $158K pricing implies.
For an experienced owner, 45390 can be a a credible choice for hunting ground — but the discount at $158K reflects genuine risk that outside investors often underestimate.
Statewide comparisons place 45390 among OH's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Resident income in 45390 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
The 45390 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.
Here's what matters if you're considering buying a home in Union City:
Property Strategy for 45390
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $101,863 | $1,000 | 7.1% | +9.9% | $50,932 |
| 3BR | $146,578 | $1,330 | 6.5% | +8.8% | $48,859 |
| 4BR | $216,074 | $1,330 | 4.4% | +8.5% | $54,019 |
Market Trends
Home Value History (with trend line)
📊 How Does 45390 Compare?
| Metric | 45390 | Union City | Greenville, OH | Ohio |
|---|---|---|---|---|
| Home Value | $157,560 | $157,560 | N/A | $237,530 |
| 5-Year CAGR | 8.5% | 8.5% | N/A | 7.4% |
| Avg Rent | $900 | $900 | N/A | - |
| Cap Rate | 4.5% | 4.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 45390 (Union City, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $157,560 |
| Monthly Rent | $900 |
| Price-to-Rent | 14.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.9% |
| Cap Rate | 4.5% |
| 5-Year IRR | 13.0% |
📈 Home Appreciation
| 1-Year | +12.7% ▲ |
| 3-Year CAGR | +7.4% ▲ |
| 5-Year CAGR | +8.5% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 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 (4.5%). 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 45390
Population: 3,349
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 45390
Schools in This ZIP Code
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
How strong are rents in Union City, OH?
Investors in Union City, OH typically see rents near $900/mo per month against $158K home values - a solid setup for rental cash flow.
What is the renter demographic in Union City, OH?
Union City, OH offers a consistent renter base at the $900/mo rent level. Tenant turnover is reasonable for well-managed properties.
What are vacancy rates like in Union City, OH?
Vacancy in Union City, OH is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $900/mo.
What strategy should investors use in Union City, OH?
A careful cash-flow rentals with hands-on management strategy Union City, OH best. The market produces even-keeled results for that approach at the $158K price point.
Is Union City, OH a good market for buy-and-hold investors?
Our data puts Union City, OH at 3.0/5 for investability. Home prices of $158K and rents around $900/mo create a solid backdrop for investor activity.
You know 45390 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 45390 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.
How 45390 ranks in Greenville, OH
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