Location: Dayton-Kettering-Beavercreek, OH | Metro: Dayton-Kettering-Beavercreek, OH MSA
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,030 |
| 1 Bedroom | $1,150 |
| 2 Bedrooms | $1,420 |
| 3 Bedrooms | $1,850 |
| 4 Bedrooms | $2,020 |
| 5 Bedrooms | $2,343 |
| 6 Bedrooms | $2,624 |
| 7 Bedrooms | $2,834 |
| 8 Bedrooms | $2,976 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,420 | $76,214 | 1.86% | A+ |
| 3BR | $1,850 | $96,602 | 1.92% | A+ |
| 4BR | $2,020 | $150,340 | 1.34% | A |
U.S. Census Bureau data (2024)
The real estate market in ZIP 45416, Trotwood, OH, presents a unique set of conditions that landlords and small-portfolio investors should consider. The median home value stands at $99,344, which indicates a relatively affordable housing market compared to many other regions. However, the absence of data regarding the percentage of listings that have been reduced and the median days on market (DOM) suggests a stable market where neither buyers nor sellers are currently in a dominant position.
On the rental side, the Forward Moving Rent (FMR) for the zip code for fiscal year 2024 is projected to be $1,230, slightly above the current market average of $1,223. This marginal increase signals a modest growth in rental demand but does not indicate significant pressure that would drive up rents dramatically. For long-term investors, the setup implies a steady but cautious approach to appreciation expectations. While appreciation can occur, it will likely be gradual rather than explosive, given the current stability in both listing reductions and DOM figures.
The combination of an affordable median home value and a modestly growing rental market suggests that Trotwood's real estate environment is favorable for those looking to hold properties for the long term. Investors can expect a reliable, albeit slow, return on investment through steady rental income and gradual property value increases. However, the lack of significant data points on recent trends means that rapid shifts in the market could impact pricing power and rental rates in ways that are not yet predictable.
To summarize, the market in ZIP 45416 is characterized by affordability and moderate rental growth, implying a stable but unexceptional environment for appreciation. Landlords and investors should focus on maintaining properties to ensure they remain competitive in the local market, leveraging the current conditions to secure a consistent yield without expecting substantial gains in the near future.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.