Real Estate Investing in Maria Stein, Ohio (45860)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45860 (Maria Stein, 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 41.6 — 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 Maria Stein, OH (45860)?
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Market Analysis: 45860 Maria Stein
Meanwhile, ZIP 45860 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $436K median. It rewards specialists, not generalists.
For an experienced owner, 45860 can be a worth a close look for hunting ground — but the discount at $436K reflects genuine risk that outside investors often underestimate.
ZIP 45860's metrics run below Mercer County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Demographically, 45860 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.
Experienced landlords with local relationships tend to find 45860 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 Maria Stein:
Property Strategy for 45860
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $425,994 | $1,270 | 2.1% | +7.6% | $141,998 |
| 4BR | $490,752 | $1,290 | 1.9% | +8.7% | $122,688 |
Market Trends
Home Value History (with trend line)
📊 How Does 45860 Compare?
| Metric | 45860 | Maria Stein | Celina, OH | Ohio |
|---|---|---|---|---|
| Home Value | $435,794 | $435,794 | N/A | $237,530 |
| 5-Year CAGR | 6.4% | 6.4% | N/A | 7.4% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 1.6% | 1.6% | - | - |
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 45860 (Maria Stein, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $435,794 |
| Monthly Rent | $873 |
| Price-to-Rent | 41.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.4% |
| Cap Rate | 1.6% |
| 5-Year IRR | 7.9% |
📈 Home Appreciation
| 1-Year | +6.2% ▲ |
| 3-Year CAGR | +5.4% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (1.6%). 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 45860
Population: 2,437
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 45860
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
Frequently Asked Questions
What are rental rates like in Maria Stein, OH?
Rental rates in Maria Stein, OH average $873/mo. Tenant demand and $436K home values make the yield look reasonable by investor standards.
How high is vacancy risk in Maria Stein, OH?
Vacancy risk in Maria Stein, OH is elevated. That supports reliable cash flow for typical rental holds.
What kind of market is Maria Stein, OH for investors?
Investors tracking Maria Stein, OH will find a 3.0/5 rating supported by $436K median home values and $873/mo rents. That profile suits long-term holders targeting steady returns.
How viable is house hacking in Maria Stein, OH?
House hacking in Maria Stein, OH is a challenging. With home values around $436K and rents at $873/mo, owner-occupants can offset a meaningful share of PITI.
How do experienced investors play Maria Stein, OH?
The best-fit strategy in Maria Stein, OH is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
You know 45860 now. You don’t know where it ranks.
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How 45860 ranks in Celina, OH
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