Real Estate Investing in Fort Loramie, Ohio (45845)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45845 (Fort Loramie, 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.
- High price-to-rent: Price-to-rent ratio 33.4 — 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 Fort Loramie, OH (45845)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45845 Fort Loramie
Investors eyeing 45845 need to respect the fundamentals at play. Home values of $350K come alongside slower price movement and elevated management overhead.
Looking more closely, the numbers look inviting — $350K purchase price, 0.0% nominal cap — the work to hit that pro forma in 45845 is substantial and deserves full respect.
Regionally, 45845 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 45845 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 Loramie's stable or hybrid ZIPs before stepping into 45845. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Fort Loramie:
Property Strategy for 45845
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $248,079 | $970 | 2.8% | +9.3% | $124,039 |
| 3BR | $347,462 | $1,300 | 2.7% | +8.6% | $115,821 |
| 4BR | $411,301 | $1,360 | 2.4% | +9.1% | $102,825 |
Market Trends
Home Value History (with trend line)
📊 How Does 45845 Compare?
| Metric | 45845 | Fort Loramie | Sidney, OH | Ohio |
|---|---|---|---|---|
| Home Value | $349,807 | $349,807 | N/A | $237,530 |
| 5-Year CAGR | 7.8% | 7.8% | N/A | 7.4% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 2.0% | 2.0% | - | - |
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 45845 (Fort Loramie, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $349,807 |
| Monthly Rent | $873 |
| Price-to-Rent | 33.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.0% |
| Cap Rate | 2.0% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +12.0% ▲ |
| 3-Year CAGR | +9.3% ▲ |
| 5-Year CAGR | +7.8% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 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 (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.
Demographics in 45845
Population: 3,386
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 45845
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 1,742 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 Loramie, OH?
Fort Loramie, OH sits at an investability rating of 3.0/5, with median home values near $350K and average rents around $873/mo. That combination puts it in the impressive tier for investor interest.
What kind of vacancy should I budget for in Fort Loramie, OH?
Occupancy in Fort Loramie, OH runs steady with elevated vacancy. Well-priced units at $873/mo lease on reasonable timelines.
How much should I expect to pay for a home in Fort Loramie, OH?
Expect median prices around $350K in Fort Loramie, OH. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.
Which real estate strategy fits Fort Loramie, OH?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Fort Loramie, OH. The numbers - $350K homes against $873/mo rents - support that play.
What monthly rent should investors expect in Fort Loramie, OH?
Average rent in Fort Loramie, OH is approximately $873/mo per month. Against $350K home values that yields a reasonable rent-to-price ratio.
You know 45845 now. You don’t know where it ranks.
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How 45845 ranks in Sidney, OH
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