Real Estate Investing in Fort Shawnee, Ohio (45806)

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

Allen County • Population: 10,978 • Data updated: September 2026

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Should you buy in 45806 (Fort Shawnee, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

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
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Fort Shawnee, OH (45806)?

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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 $241,035
Avg Monthly Rent $1,044
1% Rule ✗ Does Not Meet
Median Income $78,258
% Renters 21.7%

Market Analysis: 45806 Fort Shawnee

Investors eyeing 45806 need to respect the fundamentals at play. Home values of $241K come alongside slower price movement and elevated management overhead.

The investment case in 45806 is robust only for operators who understand what they are buying. A $241K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Regionally, 45806 sits on the difficult end of the OH spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 45806 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Fort Shawnee's stable or hybrid ZIPs before stepping into 45806. 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 Fort Shawnee:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
22/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.1× the median income
Value Trend
Rising (+9.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,044/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
Lima, 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 Lima, OH metro data
🏠

Property Strategy for 45806

Which property type performs best in this market?

Best for Cash Flow
3BR
4.6% cap rate
Best for Appreciation
3BR
+7.7% 5yr CAGR
Best Overall Value
4BR
$69,663/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $181,022 $1,160 4.6% +7.1% $90,511
3BR $223,596 $1,440 4.6% +7.7% $74,532
4BR $278,652 $1,640 4.2% +7.1% $69,663

Market Trends

Home Value History (with trend line)

$251K$221K$191K$161K$131K$101KJul 2006Jul 2016Jul 2026

📊 How Does 45806 Compare?

Metric 45806 Fort Shawnee Lima, OH Ohio
Home Value $241,035 $241,035 N/A $237,530
5-Year CAGR 6.5% 6.5% N/A 7.4%
Avg Rent $1,044 $1,044 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 45806? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 45806 (Fort Shawnee, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+6.5%
Strong

📉 Market Crash Risk Index

Based on Lima, OH metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
58%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $241,035
Monthly Rent $1,044
Price-to-Rent 19.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 9.9%

📈 Home Appreciation

1-Year +9.6% ▲
3-Year CAGR +6.4% ▲
5-Year CAGR +6.5% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
7.2%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.5%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 45806

Population: 10,978

💰 Median Household Income
$78,258
This area
$78,258
State
$68,496
USA
$74,580
🏠 Renter Occupied
21.7%
This area
21.7%
State
25.8%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-9.1%
USA
3.7%
🎓 College Educated
25.9%
This area
25.9%
State
8.4%
USA
33.7%
👤 Median Age
42.7 years
This area
42.7 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
7.2%
This area
7.2%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 87.5%
Black/African American 6.3%
Other/Mixed 4.4%
Hispanic/Latino 1.7%
Asian 1.7%
👶 Under 18
23.7%
This area
23.7%
USA
22.0%
👴 65 and Over
21.7%
This area
21.7%
USA
17.3%
📊 Poverty Rate
5.5%
This area
5.5%
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 45806

B+ Avg School Grade
7 Schools
17.2:1 Avg Class Size
$15,654 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Apollo Career Center

📚 07 – 12 High School
👥
763 Students
👨‍🏫
11.9:1 Class Size
💰
$29,494 Per Student
B+ Above Average

Perry Elementary School

📚 K – 06 School
👥
404 Students
👨‍🏫
15.5:1 Class Size
💰
$14,984 Per Student
B+ Above Average

Perry High School

📚 07 – 12 High School
👥
323 Students
👨‍🏫
17.9:1 Class Size
💰
$14,984 Per Student
B Good

Shawnee Middle School

📚 05 – 08 School
👥
714 Students
👨‍🏫
17.9:1 Class Size
💰
$12,578 Per Student
B Good

Cridersville Elementary School

📚 Pre-K – 04 Elementary
👥
358 Students
👨‍🏫
18.9:1 Class Size
💰
$12,384 Per Student
B Good

Elmwood Elementary School

📚 K – 02 Elementary
👥
512 Students
👨‍🏫
19.7:1 Class Size
💰
$12,578 Per Student
B Good

Shawnee High School

📚 09 – 12 High School
👥
691 Students
👨‍🏫
18.7:1 Class Size
💰
$12,578 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

5 Nearby 1,790 Off-Campus Students
C+
Apollo Career Center
527 students · 1.7 mi
C
University of Northwestern Ohio
2,606 students · 6.2 mi
C
Ohio State Beauty Academy
96 students · 6.2 mi
C
James A. Rhodes State College
3,968 students · 6.8 mi
D
Ohio State University-Lima Campus
740 students · 6.9 mi

Investor Insight: With 1,790 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the investability score for Fort Shawnee, OH?

Fort Shawnee, OH scores 3.0/5 for investability. Home values sit at $241K and rents near $1,044/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

What is the typical home price in Fort Shawnee, OH?

Fort Shawnee, OH median home values land near $241K. That is reasonable territory for investors looking at $1,044/mo-per-month rentals.

Where do rents currently stand in Fort Shawnee, OH?

Fort Shawnee, OH rentals go for roughly $1,044/mo a month. That puts gross yield in solid territory relative to $241K acquisition costs.

Is Fort Shawnee, OH better for rentals, flips, or BRRRR?

A careful cash-flow rentals with hands-on management strategy Fort Shawnee, OH best. The market produces even-keeled results for that approach at the $241K price point.

What kind of tenants rent in Fort Shawnee, OH?

Expect a solid tenant pool in Fort Shawnee, OH. The rental market absorbs $1,044/mo rents without meaningful friction.

You know 45806 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45806 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 45806 ranks in Lima, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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