Real Estate Investing in Moraine, Ohio (45439)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45439 (Moraine, 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.
- Elevated vacancy: 8.8% vacancy may signal weakening demand.
What’s happening in Moraine, OH (45439)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45439 Moraine
On balance, ZIP 45439 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $173K median. It rewards specialists, not generalists.
The investment case in 45439 is healthy only for operators who understand what they are buying. A $173K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
From a cash-flow lens, 45439 offers a low basis, the region around Moraine has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Demographically, 45439 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Distressed ZIPs reward experience. sturdy returns are possible in 45439, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Moraine:
Property Strategy for 45439
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $129,420 | $1,260 | 7.0% | +9.6% | $64,710 |
| 3BR | $175,632 | $1,630 | 6.7% | +7.7% | $58,544 |
| 4BR | $236,877 | $1,800 | 5.5% | +7.3% | $59,219 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 45439 Compare?
| Metric | 45439 | Moraine | Dayton-Kettering, OH | Ohio |
|---|---|---|---|---|
| Home Value | $172,868 | $172,868 | N/A | $237,530 |
| 5-Year CAGR | 6.1% | 6.1% | N/A | 7.4% |
| Avg Rent | $1,407 | $1,407 | N/A | - |
| Cap Rate | 6.4% | 6.4% | - | - |
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 45439 (Moraine, 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 | $172,868 |
| Monthly Rent | $1,407 |
| Price-to-Rent | 10.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 9.8% |
| Cap Rate | 6.4% |
| 5-Year IRR | 12.5% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +6.4% ▲ |
| 5-Year CAGR | +6.1% ▲ |
| 10-Year CAGR | +8.6% ▲ |
🏠 Rent Trends
| 1-Year | +13.0% ▲ |
| 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 (6.4%). 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 45439
Population: 12,246
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 45439
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
West Carrollton Middle School
Harry Russell Elementary School
West Carrollton High School
Harold Schnell Elementary School
West Carrollton Early Childhood Center
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 investment strategy works best in Moraine, OH?
Most investors in Moraine, OH run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
Is Moraine, OH a good place for real estate investing?
Yes - Moraine, OH a 3.0/5 investability score. With $173K home prices against $1,407/mo monthly rent, the market delivers a reasonable entry point for new investors.
Are renters plentiful in Moraine, OH?
Working renters make up the core of the Moraine, OH tenant base. The pool is reasonable for investors targeting long-term holds.
Are landlord laws favorable in Moraine, OH?
Moraine, OH operates under OH law, which is landlord-friendly overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.
Can I house hack in Moraine, OH?
Moraine, OH is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $173K price point reasonable to enter.
You know 45439 now. You don’t know where it ranks.
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How 45439 ranks in Dayton-Kettering, OH
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