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ZIP Code · OH

ZIP 45420

Pop. 24,411·Montgomery County·138th most expensive ZIP in Ohio
Median rent (all units)
$1,339/mo
Year-over-Year
+16.5%
Month-over-Month
+4.5%
vs US Median
-$626
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 45420 · $1,339
More affordable than 84% of US ZIP codes · National median $1,965/mo
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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: July 20, 2026

Annual cost
$16,068/yr
At $1,339/mo median
Location
StateOH
CountyMontgomery County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 16.5% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+16.5% YoY, +4.5% 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

Tips for renters in ZIP 45420

About renting in ZIP 45420

Last updated: July 20, 2026

ZIP code 45420 covers Kettering, OH. The median rent here is $1,339/mo as of July 2026. A 1-bedroom rents for a median of $1,010/mo. A 2-bedroom rents for a median of $1,270/mo.

At 27% of local median household income ($60,588/yr), ZIP 45420 ranks as affordable compared to the national benchmark of 30%. Rents have increased 16.5% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 45420?

As of July 20, 2026, the median monthly rent in ZIP 45420 (Kettering, OH) is $1,339. This is based on aggregated data from public sources and community submissions.

How does ZIP 45420 rent compare to the US average?

ZIP 45420's median rent of $1,339/mo is $626 (32%) below the US national median of $1,965/mo.

How does ZIP 45420 compare to other ZIPs in Ohio?

ZIP 45420 falls in the middle range for Ohio, ranking #138 out of 232 ZIPs at $1,339/mo.

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 $54,000/year (~$26/hour full-time) to afford the median rent of $1,339/mo in ZIP 45420. The local median household income is $60,588/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 45420?

Rent in ZIP 45420 has increased 16.5% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 45420 an affordable place to rent?

ZIP 45420 is considered affordable for renters. At $1,339/mo, rent takes approximately 27% of the local median household income ($60,588/yr). The standard benchmark is 30%. ZIP 45420 falls comfortably within that range.

What percentage of ZIP 45420 residents rent vs. own?

According to Census data, approximately 37.6% of ZIP 45420 households are renters, while 62.4% are owner-occupied. ZIP 45420 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 45420 compare to the rest of Kettering?

ZIP 45420 is more affordable than Kettering overall. At $1,339/mo, it's $27 below the Kettering citywide median of $1,366/mo.

When was rent data for ZIP 45420 last updated?

Rent data for ZIP 45420 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
27%
AFFORDABLE

At $1,339/mo, rent takes ~27% of ZIP 45420's median household income ($60,588/yr). The standard benchmark is 30%.

ZIP 45420 27%Benchmark 30%
State income tax2.75–3.5%
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Schools nearby

Public schools near ZIP 45420 (Kettering, OH)

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