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ZIP Code · OH

ZIP 45439

Part of Moraine, OH
Pop. 11,914·Montgomery County·115th most expensive ZIP in Ohio
Median rent (all units)
$1,414/mo
Year-over-Year
+21.2%
Month-over-Month
+1.5%
vs US Median
-$551
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 45439 · $1,414
More affordable than 80% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$920
1 BR
$1,000
2 BR
$1,260
3 BR
$1,630
4 BR+
$1,800
Research median
$1,260/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
$16,968/yr
At $1,414/mo median
Location
StateOH
CountyMontgomery County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 21.2% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+21.2% YoY, +1.5% MoM), not inventory.
Demographics

Who lives here

ZIP 45439 (Moraine, OH) is majority owner-occupied, has a large share of families with children, has a median income below the national average, 17.9% of residents hold a bachelor's degree or higher.

Population
11,914
Median income
$52,035
Median age
33.6
Renters
44.5%
Age distribution
29%
22.7%
21.7%
12.4%
14.2%
Under 1829%
18–3422.7%
35–5421.7%
55–6412.4%
65+14.2%
Gender
47.8%
52.2%
Male47.8%
Female52.2%
Race & ethnicity
70.6%
15.2%
White70.6%
Black15.2%
Hispanic9.8%
Asian1.4%
Other3%
Education (25+)
33.6%
38.2%
17.9%
No HS diploma10.3%
HS diploma33.6%
Some college38.2%
Bachelor's+17.9%
Housing tenure
55.5%
44.5%
Owner55.5%
Renter44.5%

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

2021 vs 2026

How ZIP 45439 in Moraine, OH has changed in 5 years

Income
$47,475 → $52,035
up 9.6%
Population
12,235 → 11,914
down 2.6%
Renter share
47.2% → 44.5%
-2.7 pts
Bachelor's+
14.5% → 17.9%
+3.4 pts
Median age
36.4 → 33.6
-2.8 yrs

On the earnings side, the typical household in ZIP 45439 in Moraine, OH now reports about $52,035, up from $47,475 in 2021. The population has contracted by 2.6% since 2021, moving from about 12,235 residents to roughly 11,914. Renters now make up 44.5% of households, compared with 47.2% five years ago. College-educated residents now make up 17.9% of adults here, versus 14.5% in 2021.

Community

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Local insights

Tips for renters in ZIP 45439

About renting in ZIP 45439

Last updated: July 20, 2026

ZIP code 45439 covers Moraine, OH. The median rent here is $1,414/mo as of July 2026. A 1-bedroom rents for a median of $1,000/mo. A 2-bedroom rents for a median of $1,260/mo.

At 33% of local median household income ($52,035/yr), ZIP 45439 ranks as moderate compared to the national benchmark of 30%. Rents have increased 21.2% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 45439?

As of July 20, 2026, the median monthly rent in ZIP 45439 (Moraine, OH) is $1,414. This is based on aggregated data from public sources and community submissions.

How does ZIP 45439 rent compare to the US average?

ZIP 45439's median rent of $1,414/mo is $551 (28%) below the US national median of $1,965/mo.

How does ZIP 45439 compare to other ZIPs in Ohio?

ZIP 45439 falls in the middle range for Ohio, ranking #115 out of 232 ZIPs at $1,414/mo.

How much income do you need to rent in ZIP 45439?

To keep rent at or below 30% of gross income, you would need to earn at least $57,000/year (~$27/hour full-time) to afford the median rent of $1,414/mo in ZIP 45439. The local median household income is $52,035/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 45439?

Rent in ZIP 45439 has increased 21.2% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 45439 an affordable place to rent?

ZIP 45439 is considered moderate for renters. At $1,414/mo, rent takes approximately 33% of the local median household income ($52,035/yr). The standard benchmark is 30%. ZIP 45439 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 45439 residents rent vs. own?

According to Census data, approximately 44.5% of ZIP 45439 households are renters, while 55.5% are owner-occupied. ZIP 45439 leans toward homeownership, which can mean a smaller rental inventory.

When was rent data for ZIP 45439 last updated?

Rent data for ZIP 45439 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
33%
MODERATE

At $1,414/mo, rent takes ~33% of ZIP 45439's median household income ($52,035/yr). The standard benchmark is 30%.

ZIP 45439 33%Benchmark 30%
State income tax2.75–3.5%
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Schools nearby

Public schools near ZIP 45439 (Moraine, OH)

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