Dayton, OH 45458 Real Estate Market Report

ZIP Code: 45458
Report Date: April 2026
Market Temperature: NEUTRAL
Scope: Single-Family Residential (SFR) listings and comps only

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Liquidity & Velocity

Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Dayton, OH are averaging 6.43% compared to approximately 6.20% when loans originated in 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. $482,500 median sold price is the most reliable recent transaction benchmark and suggests valuation discipline is centered on closed deals rather than list aspirations; consider using recent comparable sales at or below this level for conservative underwriting.

2. $579,000 median listing price vs. the median sold price indicates a measurable seller/listing premium and potential pricing friction—buyers may be able to negotiate toward transaction-level values if properties remain on market for extended periods.

3. 201 days median days on market signals slower sales velocity; sellers should prepare for longer marketing windows and buyers should expect more time for negotiations and inspection contingencies.

4. $187.688467630913 median price per square foot offers a precise unit-price reference for comp adjustments and quick screening of assets when assembling acquisition price targets.

5. $1,645 median market rent combined with an up rent trend suggests resilient rental demand, supporting long-term hold strategies for investors focused on income, but underwriters should not assume rapid resale liquidity given current days-on-market and neutral market temperature.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.