ZIP 45440 Housing Market & Real Estate Update (Dayton/Kettering, OH) — Feb 24, 2026
45440 – February 24, 2026 – ZIP 45440 (Dayton/Kettering, OH) check-in: sale prices are mixed, inventory is moderate, rentals steady, and rates hover near 6%.
ZIP 45440 sits in Montgomery County, Ohio. The USPS post office city is listed as Dayton, with Kettering, Centerville, Beavercreek and nearby townships also commonly used in addresses.
Top takeaways
- Recent sale-price signals are softer year over year, even as some value trackers still show modest 1-year gains.
- Homes are taking longer to move than a year ago, which can translate into more inspection and credit leverage for buyers.
- Inventory looks moderate (roughly mid-40s to around 60 active listings depending on the portal), so well-priced homes can still draw competition.
- Mortgage rates eased again nationally; small weekly moves can noticeably change payment math at today’s prices.
Market snapshot (latest posted numbers)
Sales: Redfin’s ZIP-level trends show a median sale price around $314,250 for January 2026, about 8% lower than a year earlier. In the prior month’s Redfin snapshot (December 2025), homes averaged roughly 44 days on market.
Values & list-side inventory: Zillow’s home-value index for 45440 shows a typical home value near $307,540 (data through December 31, 2025) and its ZIP dashboard lists 76 homes for sale with 27 new listings at month-end, plus a median list price around $340,750.
Listings right now: Realtor.com’s active search results show about 58 homes for sale in 45440 at the moment, while its ZIP market page posts a tighter count (mid-40s). Treat this as a reminder that portals can differ based on how they handle coming-soon, pending, and listing syndication.
Rentals
Zillow’s rent tracker for 45440 shows an average rent around $1,599 (December 2025), while Realtor.com’s ZIP market page posts a higher median rent near $1,987. The gap is usually about unit mix (apartments vs. single-family rentals) and which listings are currently active.
Mortgage-rate watch (national)
Freddie Mac’s weekly survey puts the average 30-year fixed at 6.01% as of February 19, 2026, down from the prior week. If you’re shopping in 45440, it’s worth re-running your payment scenarios whenever rates move, even a little.
What’s for sale nearby (no address specifics)
If you’re browsing today, expect a mix of:
- Condos and smaller single-family homes in the upper-$200Ks to mid-$300Ks range (often the fastest-moving segment when condition is solid).
- Move-up 3–4 bedroom homes commonly clustered from the low-$300Ks into the $400Ks, where price cuts tend to show up first if demand cools.
- Higher-end and some new-construction options at materially higher price points, especially in parts of the ZIP that overlap township neighborhoods.
ServiceXTC local pros
No confirmed ServiceXTC directory profiles for ZIP 45440 surfaced in our current index during this quick daily build. If you’re a local home-service provider (inspection, roofing, HVAC, plumbing, electrical, remodeling), consider getting listed so residents can find you for due diligence and post-close projects.
What are you seeing in 45440 right now — more price cuts, more buyer requests for repairs, or homes still selling quickly when they’re turnkey?
Sources (see end-of-post list)
- Redfin ZIP 45440 housing market and listings pages
- Zillow 45440 home values page
- Realtor.com ZIP 45440 market page and active listings search
- Freddie Mac PMMS weekly mortgage-rate survey
- UnitedStatesZipCodes ZIP 45440 profile