ZIP 45431 Housing Market & Real Estate Update — February 22, 2026

ZIP 45431 sits in Greene County with a USPS preferred city of Dayton (with Beavercreek and Riverside also used in mailing addresses). Today’s read: sale prices look higher year-over-year, but inventory signals vary by portal, so shoppers should compare recent closed sales with what’s actively listed right now.

Top takeaways

Redfin’s January 2026 snapshot shows a median sale price around $312K, up 21.1% year-over-year.
Zillow’s value index for 45431 is lower than recent sale-price medians, reinforcing that indexes are best used for trend direction, not pricing a specific home.
Realtor.com shows median rent around $1,551/month, with rent trending down year-over-year.
Mortgage-rate pressure remains a major affordability variable going into spring.

Market snapshot (last 30 days of available dashboards)

Closed sales: Redfin reports homes in 45431 averaged about 33 days on market in January 2026, with 72 homes sold (up from 58 a year earlier).

Values vs. sales: Zillow’s ZIP-level home value page shows a typical value around $243,394 (data through Dec. 31, 2025) and also publishes a portal-style inventory count. Use these as a temperature check, then validate with comparable sales for your exact neighborhood and home type.

Rentals: Realtor.com’s ZIP dashboard lists a median rent near $1,551 and indicates softer rent pricing year-over-year, even as rental availability can shift week to week.

What’s for sale right now (no addresses)

A quick scan of the active search results in 45431 shows a wide spread: smaller, older homes priced around the high-$100Ks to low-$200Ks, plus mid-$300K to $500K+ listings that tend to be larger or more updated. Watch for:

Price cuts on homes that launched too high relative to recent comps.
Inspection leverage when days-on-market stretch, especially for roofs, electrical panels, and basement moisture.
Condo vs. single-family differences (they can move at very different speeds in the same ZIP).

Rates watch

Freddie Mac’s weekly PMMS series remains the easiest quick check for national 30-year fixed-rate direction. Even small weekly moves can change monthly payments enough to impact offer strategy and seller concessions.

ServiceXTC local pros (Dayton-area)

Buyer’s Inspection Service — Home inspector
Bates Electric — Electrician
Roto-Rooter Plumbing & Water Cleanup — Plumber
Dayton Spouting & Siding LLC — Siding contractor / gutters

Sources

Redfin ZIP 45431 housing market trends
Zillow ZIP 45431 home values and for-sale search pages
Realtor.com ZIP 45431 market dashboard (sales and rents)
ZIP 45431 profile (city and county context)
Freddie Mac PMMS (mortgage rate trend)

Question: In ZIP 45431, are you seeing more price cuts lately, or are the best homes still going pending quickly?