ZIP Code · OH

ZIP 45440

Part of Kettering, OH

Pop. 22,358·Greene County·83rd most expensive ZIP in Ohio

Median rent (all units)

$1,506/mo

Year-over-Year

+2.5%

Month-over-Month

Stable

vs US Median

-$426

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 45440 · $1,506

More affordable than 73% 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

$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

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Ohio

Rent in ZIP 45440 changed +2.4% 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 2 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($82,383) is $2,060 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,980).

Cheaper nearby

ZIP 45420, 3 miles away, rents for 20% less ($1,205/mo), about $3,600 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 45440. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$18,072/yr

At $1,506/mo median

Location

CityKettering

StateOH

CountyGreene County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.5% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.5% YoY, +0.1% 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

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Local insights

Tips for renters in ZIP 45440

About renting in ZIP 45440

Last updated: October 17, 2026

ZIP code 45440 covers Kettering, OH. The median rent here is $1,506/mo as of October 2026. A 1-bedroom rents for a median of $1,100/mo. A 2-bedroom rents for a median of $1,390/mo.

At 22% of local median household income ($82,383/yr), ZIP 45440 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.5% over the past year.

FAQ

Frequently asked questions

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 $60,000/year (about $29/hour full-time) to afford the median rent of $1,506/mo in ZIP 45440. The local median household income is $82,383/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 45440?

Rent in ZIP 45440 has risen 2.5% over the past year.

How does ZIP 45440 compare to other ZIPs in Ohio?

ZIP 45440 is in the middle among Ohio ZIP codes for rent, ranking #83 of 229 at $1,506/mo. Over the year to September 2026, rent in ZIP 45440 changed +2.4%, against a typical +3.8% across the 190 Ohio ZIP codes Zillow tracks.