Real Estate Investing in Ottawa, Ohio (45875)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45875 (Ottawa, 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 26.9 — 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 Ottawa, OH (45875)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45875 Ottawa
Investors eyeing 45875 need to respect the fundamentals at play. Home values of $293K come alongside slower price movement and elevated management overhead.
For an experienced owner, 45875 can be a a credible choice for hunting ground — but the discount at $293K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Ottawa have seen price recovery that 45875 has not matched. Putnam County data supports the view that the spread is structural rather than temporary.
Employment concentration in 45875 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategically, 45875 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Ottawa:
Property Strategy for 45875
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $212,063 | $1,010 | 3.4% | +9.2% | $106,031 |
| 3BR | $292,621 | $1,210 | 3.0% | +8.4% | $97,540 |
| 4BR | $339,188 | $1,340 | 2.8% | +8.0% | $84,797 |
Market Trends
Home Value History (with trend line)
📊 How Does 45875 Compare?
| Metric | 45875 | Ottawa | Ohio |
|---|---|---|---|
| Home Value | $293,012 | $293,012 | $237,530 |
| 5-Year CAGR | 7.7% | 7.7% | 7.4% |
| Avg Rent | $909 | $909 | - |
| Cap Rate | 2.4% | 2.4% | - |
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 45875 (Ottawa, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $293,012 |
| Monthly Rent | $909 |
| Price-to-Rent | 26.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 10.1% |
📈 Home Appreciation
| 1-Year | +10.4% ▲ |
| 3-Year CAGR | +7.5% ▲ |
| 5-Year CAGR | +7.7% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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.
Demographics in 45875
Population: 10,861
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 45875
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
Is housing expensive in Ottawa, OH?
Median home price in Ottawa, OH is near $293K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.
How much is rent in Ottawa, OH?
Rent in Ottawa, OH is around $909/mo. The resulting rent-to-value relationship with $293K pricing is reasonable for most investor models.
What is the best play in Ottawa, OH?
In Ottawa, OH the healthy play is typically careful cash-flow rentals with hands-on management. The combination of $293K prices and $909/mo rents suits that approach.
How high is vacancy risk in Ottawa, OH?
Expect elevated vacancy in Ottawa, OH. Rents at $909/mo are absorbed by the tenant base without meaningful lag.
Are eviction rules reasonable in Ottawa, OH?
OH law landlord-friendly for landlords, and Ottawa inherits those rules. Investors should still review local ordinances for rental licensing.
You know 45875 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 45875 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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