RentDataNowRentDataNow
ZIP Code · OH

ZIP 45440

Pop. 22,358·Greene County·84th most expensive ZIP in Ohio
Median rent (all units)
$1,548/mo
Year-over-Year
+24.3%
Month-over-Month
+3.3%
vs US Median
-$417
Rising (Monthly)
Be the first to discuss 45440 rents ↓
Most AffordableMost Expensive
ZIP 45440 · $1,548
More affordable than 70% of US ZIP codes · National median $1,965/mo
Rent check

Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio
$1,010
1 BR
$1,100
2 BR
$1,390
3 BR
$1,800
4 BR+
$1,980
Research median
$1,390/mo

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

Rent trends

12-month history

Loading…

Last updated: July 20, 2026

Annual cost
$18,576/yr
At $1,548/mo median
Location
StateOH
CountyGreene County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 24.3% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+24.3% YoY, +3.3% MoM), not inventory.
Demographics

Who lives here

ZIP 45440 (Kettering, OH) is majority owner-occupied, has a large retiree population, 45.5% of residents hold a bachelor's degree or higher.

Population
22,358
Median income
$82,383
Median age
39.9
Renters
37.6%
Age distribution
22.2%
20.8%
25.9%
20.8%
Under 1822.2%
18–3420.8%
35–5425.9%
55–6410.3%
65+20.8%
Gender
47.5%
52.5%
Male47.5%
Female52.5%
Race & ethnicity
82.5%
White82.5%
Black5.4%
Hispanic5.1%
Asian1.7%
Other5.3%
Education (25+)
22.4%
29.3%
45.5%
No HS diploma2.8%
HS diploma22.4%
Some college29.3%
Bachelor's+45.5%
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 45440 in Kettering, OH has changed in 5 years

Income
$74,971 → $82,383
up 9.9%
Population
22,507 → 22,358
down 0.7%
Renter share
36.2% → 37.6%
+1.4 pts
Bachelor's+
45.2% → 45.5%
+0.3 pts
Median age
40.4 → 39.9
-0.5 yrs

Household income in the area moved from $74,971 to $82,383 across the same window, up 9.9% versus 2021.

Community

Discussions about ZIP 45440

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 45440

About renting in ZIP 45440

Last updated: July 20, 2026

ZIP code 45440 covers Kettering, OH. The median rent here is $1,548/mo as of July 2026. A 1-bedroom rents for a median of $1,100/mo. A 2-bedroom rents for a median of $1,390/mo.

At 23% of local median household income ($82,383/yr), ZIP 45440 ranks as affordable compared to the national benchmark of 30%. Rents have increased 24.3% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 45440?

As of July 20, 2026, the median monthly rent in ZIP 45440 (Kettering, OH) is $1,548. This is based on aggregated data from public sources and community submissions.

How does ZIP 45440 rent compare to the US average?

ZIP 45440's median rent of $1,548/mo is $417 (21%) below the US national median of $1,965/mo.

How does ZIP 45440 compare to other ZIPs in Ohio?

ZIP 45440 falls in the middle range for Ohio, ranking #84 out of 232 ZIPs at $1,548/mo.

How much income do you need to rent in ZIP 45440?

To keep rent at or below 30% of gross income, you would need to earn at least $62,000/year (~$30/hour full-time) to afford the median rent of $1,548/mo in ZIP 45440. The local median household income is $82,383/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 45440?

Rent in ZIP 45440 has increased 24.3% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 45440 an affordable place to rent?

ZIP 45440 is considered very affordable for renters. At $1,548/mo, rent takes approximately 23% of the local median household income ($82,383/yr). The standard benchmark is 30%. ZIP 45440 falls comfortably within that range.

What percentage of ZIP 45440 residents rent vs. own?

According to Census data, approximately 37.6% of ZIP 45440 households are renters, while 62.4% are owner-occupied. ZIP 45440 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 45440 compare to the rest of Kettering?

ZIP 45440 is pricier than Kettering as a whole. At $1,548/mo, it's $182 above the Kettering citywide median of $1,366/mo.

When was rent data for ZIP 45440 last updated?

Rent data for ZIP 45440 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
23%
VERY AFFORDABLE

At $1,548/mo, rent takes ~23% of ZIP 45440's median household income ($82,383/yr). The standard benchmark is 30%.

ZIP 45440 23%Benchmark 30%
State income tax2.75–3.5%
Compare

How does this area stack up?

Pick another city or ZIP to compare.

Schools nearby

Public schools near ZIP 45440 (Kettering, OH)

Recent submissions

Be the first to submit your rent for this ZIP.

Recent discussions

No discussions yet.