Montgomery County, OH Average Home Price (2026)
The average home price in Montgomery County, Ohio is about $194,000 (the 2026 median across 29 ZIP codes, at ~$153/sq ft) — 14% more affordable than the Ohio median and 33% more affordable than the typical U.S. home.
How Montgomery County compares
Montgomery County is relatively affordable for housing nationally: its typical home costs $194,000 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $75,000 to $424,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Montgomery County | $194,000 | $153 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Cities in Montgomery County
Cities with their own home-value page, largest first:
Montgomery County home prices by ZIP code
The 15 most valuable ZIP codes in Montgomery County (of 29 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 45458 Centerville | $424,000 | $175 | +119% |
| 45459 Dayton | $334,000 | $156 | +72% |
| 45325 Farmersville | $298,000 | $198 | +54% |
| 45315 Clayton | $290,000 | $164 | +49% |
| 45419 Oakwood | $277,000 | $196 | +43% |
| 45309 Brookville | $274,000 | $172 | +41% |
| 45429 Kettering | $274,000 | $176 | +41% |
| 45327 Germantown | $269,000 | $183 | +39% |
| 45342 Miamisburg | $262,000 | $156 | +35% |
| 45409 Oakwood | $249,000 | $168 | +28% |
| 45377 Vandalia | $246,000 | $157 | +27% |
| 45415 Clayton | $230,000 | $132 | +19% |
| 45322 Englewood | $227,000 | $151 | +17% |
| 45424 Huber Heights | $227,000 | $153 | +17% |
| 45345 New Lebanon | $194,000 | $167 | +0% |
Home value appreciation in Montgomery County
Home prices in Montgomery County have risen about 104% over the last 10 years (≈7.4% a year) and +77.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.7% — still rising. A home worth $194,000 today was worth roughly $94,958 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Ohio is +93.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Montgomery County
Run the numbers for Montgomery County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Montgomery County
To buy the typical $194,000 home in Montgomery County with 20% down, you need a household income of roughly $53,000 a year (about $1,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,700 | $1,530/mo | $66,000/yr |
| 10% (+PMI) | $19,400 | $1,460/mo | $63,000/yr |
| 20% | $38,800 | $1,230/mo | $53,000/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 Montgomery County
At about $153 per square foot, here is roughly how much home different budgets get you in Montgomery County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 980 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1310 sq ft | around the typical home here |
| $250k | 1630 sq ft | around the typical home here |
| $300k | 1960 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2610 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 filtered to Ohio.
Estimate a specific home in Montgomery County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Montgomery County home prices: frequently asked
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Browse all Ohio cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.