ZIP Code 45434 — Beavercreek, OH Home Prices (2026)
The typical home in ZIP 45434 (Beavercreek, Ohio) is worth about $390,000 at roughly $172 per square foot — 35% more expensive than the Beavercreek median and 33% more expensive than the typical U.S. home.
How 45434 compares
ZIP 45434 is one of the pricier ZIP codes in Beavercreek: its typical home value of $390,000 ranks #1 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 $172, against $169 for Beavercreek as a whole, $159 for Ohio, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 45434 | $390,000 | $172 |
| Beavercreek, OH | $288,000 | $169 |
| Ohio | $230,000 | $159 |
| United States | $294,000 | $195 |
Home value by size in 45434
Using this ZIP’s rate of about $172 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 | $172,000 |
| 1,500 sq ft | $258,000 |
| 2,000 sq ft | $344,000 |
| 2,500 sq ft | $430,000 |
| 3,000 sq ft | $516,000 |
Salary needed to buy a home in ZIP 45434
To buy the typical $390,000 home in ZIP 45434 with 20% down, you need a household income of roughly $106,000 a year (about $2,480 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $126,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,500 | $3,080/mo | $132,000/yr |
| 10% (+PMI) | $39,000 | $2,940/mo | $126,000/yr |
| 20% | $78,000 | $2,480/mo | $106,000/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 45434
At about $172 per square foot, here is roughly how much home different budgets get you in ZIP 45434:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 1160 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1450 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1740 sq ft | below the local median — condos, smaller or older homes |
| $400k | 2330 sq ft | around the typical home here |
| $500k | 2910 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 45434 home.
Estimate a specific home in 45434
The estimator below is pre-set to ZIP 45434 — 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 45434 sits among Beavercreek’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 45434 (this page) | $390,000 | $172 |
| 2 | 45430 | $318,000 | $190 |
| 3 | 45431 | $258,000 | $162 |
| 4 | 45432 | $229,000 | $165 |
ZIP 45434 home prices: frequently asked
What is the average home price in ZIP code 45434? +
What is the price per square foot in 45434? +
What salary do you need to buy a house in ZIP 45434? +
Is 45434 an expensive ZIP code? +
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.