ZIP Code 45404 — Dayton, OH Home Prices (2026)
The typical home in ZIP 45404 (Dayton, Ohio) is worth about $105,000 at roughly $108 per square foot — 3% more expensive than the Dayton median and 64% more affordable than the typical U.S. home.
How 45404 compares
ZIP 45404 is a mid-priced ZIP code for Dayton: its typical home value of $105,000 ranks #4 of the 9 Dayton ZIP codes we track (the citywide range runs from $75,000 in 45417 to $340,000 in 45459). Per square foot it costs about $108, against $106 for Dayton as a whole, $159 for Ohio, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 45404 | $105,000 | $108 |
| Dayton, OH | $102,000 | $106 |
| Ohio | $230,000 | $159 |
| United States | $294,000 | $195 |
Home value by size in 45404
Using this ZIP’s rate of about $108 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 | $108,000 |
| 1,500 sq ft | $162,000 |
| 2,000 sq ft | $216,000 |
| 2,500 sq ft | $270,000 |
| 3,000 sq ft | $324,000 |
Salary needed to buy a home in ZIP 45404
To buy the typical $105,000 home in ZIP 45404 with 20% down, you need a household income of roughly $29,000 a year (about $670 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $34,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,300 | $830/mo | $36,000/yr |
| 10% (+PMI) | $10,500 | $790/mo | $34,000/yr |
| 20% | $21,000 | $670/mo | $29,000/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 45404
At about $108 per square foot, here is roughly how much home different budgets get you in ZIP 45404:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1390 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 1850 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2310 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2780 sq ft | above the median — larger homes or the pricier ZIPs |
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 45404 home.
Estimate a specific home in 45404
The estimator below is pre-set to ZIP 45404 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Dayton ZIP codes by home value
Where 45404 sits among Dayton’s 9 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 45459 | $340,000 | $163 |
| 2 | 45414 | $187,000 | $133 |
| 3 | 45410 | $131,000 | $106 |
| 4 | 45404 (this page) | $105,000 | $108 |
| 5 | 45403 | $102,000 | $94 |
| 6 | 45406 | $92,000 | $99 |
| 7 | 45405 | $91,000 | $84 |
| 8 | 45402 | $75,000 | $113 |
| 9 | 45417 | $75,000 | $103 |
ZIP 45404 home prices: frequently asked
What is the average home price in ZIP code 45404? +
What is the price per square foot in 45404? +
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See the full Dayton 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.