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ZIP Code · OH

ZIP 45440

Pop. 22,358·Greene County·95th most expensive ZIP in Ohio
Median rent (all units)
$1,481/mo
Year-over-Year
+16.7%
Month-over-Month
-4.3%
vs US Median
-$481
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 45440 · $1,481
More affordable than 75% of US ZIP codes · National median $1,962/mo
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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: August 17, 2026

Annual cost
$17,772/yr
At $1,481/mo median
Location
StateOH
CountyGreene County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 16.7% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+16.7% YoY, -4.3% 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

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Local insights

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About renting in ZIP 45440

Last updated: August 17, 2026

ZIP code 45440 covers Kettering, OH. The median rent here is $1,481/mo as of August 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 16.7% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 45440?

As of August 17, 2026, the median monthly rent in ZIP 45440 (Kettering, OH) is $1,481. 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 $1,481/mo is $481 (25%) below the US national median of $1,962/mo.

How does ZIP 45440 compare to other ZIPs in Ohio?

ZIP 45440 falls in the middle range for Ohio, ranking #95 out of 229 ZIPs at $1,481/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 $59,000/year (~$28/hour full-time) to afford the median rent of $1,481/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 16.7% over the past year as of August 17, 2026, putting upward pressure on renter budgets.

Is ZIP 45440 an affordable place to rent?

ZIP 45440 is considered very affordable for renters. At $1,481/mo, rent takes approximately 22% 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 $1,481/mo, it's $153 above the Kettering citywide median of $1,328/mo.

When was rent data for ZIP 45440 last updated?

Rent data for ZIP 45440 reflects August 17, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
22%
VERY AFFORDABLE

At $1,481/mo, rent takes ~22% of ZIP 45440's median household income ($82,383/yr). The standard benchmark is 30%.

ZIP 45440 22%Benchmark 30%
State income tax2.75–3.5%
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Schools nearby

Public schools near ZIP 45440 (Kettering, OH)

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