Real Estate Investing in Trotwood, Ohio (45426)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45426 (Trotwood, 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.
- High vacancy: 12.8% of homes vacant — above national norms.
- Elevated poverty: 21.7% poverty rate — can affect rent collection.
What’s happening in Trotwood, OH (45426)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45426 Trotwood
ZIP 45426 in Trotwood, OH carries a solid set of headwinds. Home values near $172K and rents of $1,401/mo sit inside a market where underwriting has to be tight.
The investment case in 45426 is notable only for operators who understand what they are buying. A $172K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader OH picture, 45426 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 45426 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Experienced landlords with local relationships tend to find 45426 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 Trotwood:
Property Strategy for 45426
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $94,558 | $1,180 | 9.0% | +12.4% | $47,279 |
| 3BR | $158,797 | $1,530 | 6.9% | +11.9% | $52,932 |
| 4BR | $200,930 | $1,680 | 6.0% | +9.8% | $50,233 |
| 5BR | $221,370 | — | — | +9.0% | $44,274 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 45426 Compare?
| Metric | 45426 | Trotwood | Dayton-Kettering, OH | Ohio |
|---|---|---|---|---|
| Home Value | $172,404 | $134,398 | N/A | $237,530 |
| 5-Year CAGR | 9.4% | 7.3% | N/A | 7.4% |
| Avg Rent | $1,401 | $1,366 | N/A | - |
| Cap Rate | 6.3% | 8.6% | - | - |
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 45426 (Trotwood, 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
Eclipse Community Management offers HOA & Condo Management services in Ohio & Kentucky. summary from their website
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
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $172,404 |
| Monthly Rent | $1,401 |
| Price-to-Rent | 10.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 9.8% |
| Cap Rate | 6.3% |
| 5-Year IRR | 15.7% |
📈 Home Appreciation
| 1-Year | +9.0% ▲ |
| 3-Year CAGR | +9.0% ▲ |
| 5-Year CAGR | +9.4% ▲ |
| 10-Year CAGR | +12.0% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.3%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 45426
Population: 13,582
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 45426
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 5,386 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What are vacancy rates like in Trotwood, OH?
Trotwood, OH sees elevated vacancy, which is reasonable relative to the broader OH rental market.
Is rental property easy to operate in Trotwood, OH?
Landlord-friendliness in Trotwood, OH is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
How deep is the rental pool in Trotwood, OH?
Expect a solid tenant pool in Trotwood, OH. The rental market absorbs $1,401/mo rents without meaningful friction.
Can I house hack in Trotwood, OH?
Trotwood, OH is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $172K price point reasonable to enter.
What is the median home value in Trotwood, OH?
Expect median prices around $172K in Trotwood, OH. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.
You know 45426 now. You don’t know where it ranks.
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How 45426 ranks in Dayton-Kettering, OH
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