Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$202,892+2.9% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 31% have cut their price
Income needed to buy, per year$43,983About 0.7× the local median income ($66,349): affordable for a typical household
Days on market46 daysSlower than a year ago: buyers have time to negotiate
The typical home in Montgomery County, OH is worth $202,892, up 2.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $171,180, so the area is 18.5% overvalued. It is a balanced market, leaning toward buyers: homes take about 46 days to sell, listings are up 32% from a year ago, 31% of listings have had a price cut. A household needs about $43,983 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,349. Typical rent is $1,284 a month, or $1,442 for a house. In the latest IRS figures, 367 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$202,892
Change in 1 year
+2.9%
Overvalued %
+18.5%
Show 6 more
Fair home value
$171,180
Change in 5 years
+33.2%
Home value to income
3.1×
Monthly mortgage payment (20% down)
$1,100
Income needed to afford it
$43,983
Property tax rate
1.73%
Rent and investing
Typical rent
$1,284
Typical rent for houses
$1,442
Price-to-rent ratio
13.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,248
Gross rental yield
7.59%
Cap rate (estimate)
4.93%
Market activity
Listings vs a year ago
+31.8%
Days on market
46
Listings with a price cut
30.6%
Show 3 more
Homes for sale
1,497
Pending sales per 100 listings
47
Asking price per sq ft
$144
People and jobs
Median household income
$66,349
Population change (1 year)
+0.5%
Unemployment rate
5.7%
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Population
539,598
Income adjusted for cost of living
$71,574
Net moves in (IRS)
−367
Cost of living (US = 100)
92.7
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
92.7
Unhealthy air days a year
4
Show 4 more
Flood risk score
95.5
Wildfire risk score
44.1
Walkability (1 to 20)
11.1
Road, rail and air noise
54 dB
Questions people ask
Is Montgomery County, OH overvalued?
Home prices in Montgomery County, OH are well above what local incomes have historically supported: fair value is about $171,180, so the area is 18.5% overvalued.
Is Montgomery County, OH a buyer's or seller's market?
Montgomery County, OH is a balanced market, leaning toward buyers: homes take about 46 days to sell, listings are up 32% from a year ago, 31% of listings have had a price cut.
Are home prices going down in Montgomery County, OH?
Home values in Montgomery County, OH are up 2.9% over the last year.
How much do you need to earn to buy a home in Montgomery County, OH?
A household needs about $43,983 a year to afford the typical home in Montgomery County, OH at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,349.