Can You Afford to Buy a Home in Dayton-Kettering-Beavercreek?
The median home in Dayton-Kettering-Beavercreek costs $186,200. To afford it at current mortgage rates with 20% down, you need a household income of about $53,700/year. Your monthly payment would be around $1,253, including taxes and insurance.
Based on national median home values adjusted by Dayton-Kettering-Beavercreek’s Regional Price Parity (92.69). Current 30-year fixed rate: 6.52% (Freddie Mac, as of Jun 11, 2026). Methodology
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
Monthly payment breakdown
$186,200 home, 20% down, 6.52% rate, 30-year fixed
Rent vs. buy in Dayton-Kettering-Beavercreek
Buying is actually cheaper than renting here by $20/mo, and you build equity. Strong signal to explore homeownership.
What can you afford in Dayton-Kettering-Beavercreek?
Home price you can afford at each salary level (28% DTI, 20% down)
| Salary | Home you can afford | Monthly payment |
|---|---|---|
| $50K | $169K | $1,253 |
| $75K | $284K | $1,253 |
| $100K | $399K | $1,253 |
| $125K | $514K | $1,253 |
| $150K | $630K | $1,253 |
| $200K | $860K | $1,253 |
Based on 28% front-end DTI ratio, 20% down payment, 6.52% 30-year fixed rate, 1.1% property tax, ~$150/mo insurance.
Can common careers afford a home in Dayton-Kettering-Beavercreek?
Local median salary vs. the $54K needed to buy
Frequently asked questions
What salary do I need to buy a home in Dayton-Kettering-Beavercreek?
To comfortably afford the median home ($186,200) in Dayton-Kettering-Beavercreek with a 20% down payment and current mortgage rates, you need a household income of about $53,700. That keeps your housing costs at or below 28% of your gross income, which is the standard lender guideline.
How much does a house cost in Dayton-Kettering-Beavercreek?
The median home price in the Dayton-Kettering-Beavercreek, OH metro area is $186,200, based on the Census ACS 2023 median home value for the metro. Prices vary widely by neighborhood. A 20% down payment would be $37,240, or $9,310 at 5% down.
What would my monthly mortgage be in Dayton-Kettering-Beavercreek?
On a $186,200 home with 20% down at current rates, your estimated monthly payment would be $1,253 including principal, interest, property tax, and insurance. With only 5% down, add about $74/mo for PMI.
Is it cheaper to rent or buy in Dayton-Kettering-Beavercreek?
Median 2-bedroom rent in Dayton-Kettering-Beavercreek is $1,273/mo (HUD Fair Market Rent). The estimated mortgage payment on the median home is $1,253/mo. Buying and renting are close in monthly cost, but buying builds equity.