ZIP Code 45430 — Beavercreek, OH Home Prices (2026)
The typical home in ZIP 45430 (Beavercreek, Ohio) is worth about $318,000 at roughly $190 per square foot — 10% more expensive than the Beavercreek median and 8% more expensive than the typical U.S. home.
How 45430 compares
ZIP 45430 is one of the pricier ZIP codes in Beavercreek: its typical home value of $318,000 ranks #2 of the 4 Beavercreek ZIP codes we track (the citywide range runs from $229,000 in 45432 to $390,000 in 45434). Per square foot it costs about $190, against $169 for Beavercreek as a whole, $159 for Ohio, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 45430 | $318,000 | $190 |
| Beavercreek, OH | $288,000 | $169 |
| Ohio | $230,000 | $159 |
| United States | $294,000 | $195 |
Home value by size in 45430
Using this ZIP’s rate of about $190 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $190,000 |
| 1,500 sq ft | $285,000 |
| 2,000 sq ft | $380,000 |
| 2,500 sq ft | $475,000 |
| 3,000 sq ft | $570,000 |
Salary needed to buy a home in ZIP 45430
To buy the typical $318,000 home in ZIP 45430 with 20% down, you need a household income of roughly $87,000 a year (about $2,020 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $103,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,900 | $2,510/mo | $108,000/yr |
| 10% (+PMI) | $31,800 | $2,400/mo | $103,000/yr |
| 20% | $63,600 | $2,020/mo | $87,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 45430
At about $190 per square foot, here is roughly how much home different budgets get you in ZIP 45430:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 790 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1320 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1580 sq ft | around the typical home here |
| $400k | 2110 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 45430 home.
Estimate a specific home in 45430
The estimator below is pre-set to ZIP 45430 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Beavercreek ZIP codes by home value
Where 45430 sits among Beavercreek’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 45434 | $390,000 | $172 |
| 2 | 45430 (this page) | $318,000 | $190 |
| 3 | 45431 | $258,000 | $162 |
| 4 | 45432 | $229,000 | $165 |
ZIP 45430 home prices: frequently asked
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See the full Beavercreek home values page, all Ohio cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.