Dayton, OH home values, income, and owner costs

The local figures answer the first question: In Dayton, OH, the 2024 ACS reports a median owner-occupied home value of $100,600, median household income of $45,247, and median selected monthly owner costs of $1,147 for owners with a mortgage. For borrower planning, together, those three reference points may help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $1,147 measure combines recurring ownership expenses in place of real estate taxes alone. A useful affordability review starts with $100,600, $45,247, and $1,147, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.

Dayton, OH's $100,600 median home-value estimate is below the statewide $214,800 estimate, with a reported city-to-state gap of 53.2%. For borrower planning, that 53.2% gap is useful for showing that a statewide midpoint may be a poor substitute for a local search range in Dayton, OH. It does not mean every local property is 53.2% away from a comparable property elsewhere in the state, because the medians reflect different housing mixes and geographies. A borrower can use $100,600 and $214,800 to decide which assumptions need local replacement first, then compare actual properties and current financing disclosures on the same basis.