ZIP Code · OH

ZIP 45420

Part of Kettering, OH

Pop. 24,411·Montgomery County·166th most expensive ZIP in Ohio

Median rent (all units)

$1,205/mo

Year-over-Year

+6.9%

Month-over-Month

Stable

vs US Median

-$727

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 45420 · $1,205

More affordable than 91% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$930

1 BR

$1,010

2 BR

$1,270

3 BR

$1,650

4 BR+

$1,810

Research median

$1,270/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

Compared with the peak

Rent in ZIP 45420 is at its highest level since Zillow's records here began in June 2023.

Past year vs. the rest of Ohio

Rent in ZIP 45420 changed +6.9% over the year to September 2026. Across the 190 Ohio ZIP codes Zillow tracks, the typical change was +3.8%.

Recent direction

Rent has risen 6 months in a row, and rose in 11 of the last 12 months.

What a typical income covers

30% of the median household income ($60,588) is $1,515 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,270); a 3-bedroom is $1,650.

Cheaper nearby

ZIP 45419, 2 miles away, rents for 12% less ($1,063/mo), about $1,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 45420. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$14,460/yr

At $1,205/mo median

Location

CityKettering

StateOH

CountyMontgomery County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 6.9% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+6.9% YoY, +0.1% MoM), not inventory.

Demographics

Who lives here

ZIP 45420 (Kettering, OH) is majority owner-occupied, has a median income below the national average, 27.9% of residents hold a bachelor's degree or higher.

Population

24,411

Median income

$60,588

Median age

36.8

Renters

37.6%

Age distribution

18.4%

28.7%

23.6%

13.6%

15.7%

Under 1818.4%

18–3428.7%

35–5423.6%

55–6413.6%

65+15.7%

Gender

49.5%

50.5%

Male49.5%

Female50.5%

Race & ethnicity

82.2%

White82.2%

Black6.3%

Hispanic3.8%

Asian3%

Other4.7%

Education (25+)

29.1%

35.2%

27.9%

No HS diploma7.7%

HS diploma29.1%

Some college35.2%

Bachelor's+27.9%

Housing tenure

62.4%

37.6%

Owner62.4%

Renter37.6%

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

2021 vs 2026

How ZIP 45420 in Kettering, OH has changed in 5 years

Income

$50,835 → $60,588

up 19.2%

Population

24,249 → 24,411

up 0.7%

Renter share

40.9% → 37.6%

-3.3 pts

Bachelor's+

24.3% → 27.9%

+3.6 pts

Median age

39.1 → 36.8

-2.3 yrs

On the earnings side, the typical household in ZIP 45420 in Kettering, OH now reports about $60,588, up from $50,835 in 2021. Renters now make up 37.6% of households, compared with 40.9% five years ago. College-educated residents now make up 27.9% of adults here, versus 24.3% in 2021.

Community

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Local insights

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About renting in ZIP 45420

Last updated: October 17, 2026

ZIP code 45420 covers Kettering, OH. The median rent here is $1,205/mo as of October 2026. A 1-bedroom rents for a median of $1,010/mo. A 2-bedroom rents for a median of $1,270/mo.

At 24% of local median household income ($60,588/yr), ZIP 45420 ranks as affordable compared to the national benchmark of 30%. Rents have increased 6.9% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 45420?

To keep rent at or below 30% of gross income, you would need to earn at least $48,000/year (about $23/hour full-time) to afford the median rent of $1,205/mo in ZIP 45420. The local median household income is $60,588/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 45420?

Rent in ZIP 45420 has risen 6.9% over the past year as of September 2026. That is the highest level since Zillow's records here began in June 2023.

How does ZIP 45420 compare to other ZIPs in Ohio?

ZIP 45420 is one of the more affordable among Ohio ZIP codes for rent, ranking #166 of 229 at $1,205/mo. Over the year to September 2026, rent in ZIP 45420 changed +6.9%, against a typical +3.8% across the 190 Ohio ZIP codes Zillow tracks.