ZIP Code · OH

ZIP 45342

Part of Miamisburg, OH

Pop. 36,152·Montgomery County·147th most expensive ZIP in Ohio

Median rent (all units)

$1,264/mo

Year-over-Year

+1.4%

Month-over-Month

+0.6%

vs US Median

-$668

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 45342 · $1,264

More affordable than 88% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,120

1 BR

$1,220

2 BR

$1,540

3 BR

$2,000

4 BR+

$2,200

Research median

$1,540/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

February. Asking rents in ZIP 45342 usually run 1.7% below trend in February and 1.5% above it in August, about $40 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 45342 is at its highest level since Zillow's records here began in January 2021.

Past year vs. the rest of Ohio

Rent in ZIP 45342 changed +1.4% over the year to September 2026. Across the 190 Ohio ZIP codes Zillow tracks, the typical change was +3.8%.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($84,907) is $2,123 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($2,000); a 4-bedroom is $2,200.

Cheaper nearby

ZIP 45417, 7 miles away, rents for 15% less ($1,069/mo), about $2,300 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 45342. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$15,168/yr

At $1,264/mo median

Location

CityMiamisburg

StateOH

CountyMontgomery County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (1.4% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+1.4% YoY, +0.6% MoM), not inventory.

Demographics

Who lives here

ZIP 45342 (Miamisburg, OH) is majority owner-occupied, 33.3% of residents hold a bachelor's degree or higher.

Population

36,152

Median income

$84,907

Median age

38.3

Renters

34.9%

Age distribution

23.3%

23%

24.5%

13.4%

15.8%

Under 1823.3%

18–3423%

35–5424.5%

55–6413.4%

65+15.8%

Gender

50.3%

49.7%

Male50.3%

Female49.7%

Race & ethnicity

82.9%

White82.9%

Black5.1%

Hispanic2.6%

Asian4.3%

Other5%

Education (25+)

27.2%

33%

33.3%

No HS diploma6.5%

HS diploma27.2%

Some college33%

Bachelor's+33.3%

Housing tenure

65.1%

34.9%

Owner65.1%

Renter34.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 45342 in Miamisburg, OH has changed in 5 years

Rent

$936 → $1,264

up 35.0%

Income

$70,855 → $84,907

up 19.8%

Population

36,087 → 36,152

up 0.2%

Renter share

39% → 34.9%

-4.1 pts

Bachelor's+

32.4% → 33.3%

+0.9 pts

The median rent in ZIP 45342 in Miamisburg, OH stood at $936 in 2021 and currently runs about $1,264, reflecting a 35.0% increase over the period. On the earnings side, the typical household in ZIP 45342 in Miamisburg, OH now reports about $84,907, up from $70,855 in 2021. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. Renters now make up 34.9% of households, compared with 39% five years ago. For context, the 2021 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 45342 in Miamisburg, OH reflects that arc in its own way.

Community

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Local insights

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About renting in ZIP 45342

Last updated: October 17, 2026

ZIP code 45342 covers Miamisburg, OH. The median rent here is $1,264/mo as of October 2026. A 1-bedroom rents for a median of $1,220/mo. A 2-bedroom rents for a median of $1,540/mo.

At 18% of local median household income ($84,907/yr), ZIP 45342 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 45342?

To keep rent at or below 30% of gross income, you would need to earn at least $51,000/year (about $25/hour full-time) to afford the median rent of $1,264/mo in ZIP 45342. The local median household income is $84,907/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 45342?

Rent in ZIP 45342 has risen 1.4% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2021.

When is the cheapest time to rent in ZIP 45342?

Asking rents in ZIP 45342 are usually lowest in February, about 1.7% below their yearly trend, and highest in August, about 1.5% above it. At today's median that is a gap of roughly $40 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 45342 compare to other ZIPs in Ohio?

ZIP 45342 is in the middle among Ohio ZIP codes for rent, ranking #147 of 229 at $1,264/mo. Over the year to September 2026, rent in ZIP 45342 changed +1.4%, against a typical +3.8% across the 190 Ohio ZIP codes Zillow tracks.