617 Homewood Ave · Dayton, OH
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $713 – $1,323
Heat risk 3/10 · Minor
- Hot days now (above 102°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 0.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +27.0/30.0
- ARV discount +14.0/15.0
- DSCR +9.3/10.0
- 1% rule +6.6/10.0
- Rent growth +3.3/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +1.3/10.0
- Appreciation +0.0/10.0
$115,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
Key facts
- 5,384 sq ft lot
- 2 garage spots
- Built 1925
Property features AI
Finance
- Financial info: Offered for sale
Exterior
- Parking: Detached two-car garage
- Utilities: Public water; Sewer available
- Home design: Three-story building; Vinyl siding; Residential zoning
- Construction: Vinyl siding construction
- Exterior features: Fenced yard; Porch
Interior
- Kitchen: Dishwasher; Garbage disposal; Refrigerator
- Bedrooms: Four bedrooms on the second level; One room on the third level (additional flexible space)
- Bathrooms: One full bathroom
- Heating & cooling: Forced air heating; Natural gas
- Interior features: Full basement; Decorative fireplace; 9 total rooms
- Laundry & utility: Washer and dryer; Gas water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.0-bath single-family listed at $115k.
Deal economics
- At list price, monthly cash flow is $322 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $115k).
- Recommended offer: $113k (1.5% below list) — sets the bar for market timing.
- Cap rate 9.7% vs local median 7.3% in Dayton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 65/100 on livability (#716 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: amenities C-, crime F, commute F.
- Dayton City (urban): math 12% / reading 21% proficiency, ranked #641 of 656 in OH (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: River'S Edge Montessori Elementary School (math 22% / reading 32%, grade F, #1,193 of 1,584 statewide, top 76%, 494 students, 0% FRL); Belmont High School (math 5% / reading 20%, grade F, #720 of 781 statewide, top 93%, 1,100 students, 0% FRL) — zoned schools average 0% FRL vs 74% district-wide (74 pts lower); this property's tenant base skews higher-income than the district average.
- Market conditions: Rents rising (+3.0%/yr); 156 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 907 units permitted in Montgomery County in 2024 (416 in 5+ unit buildings).
- This rent runs 38% of the median local income ($42k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
- Montgomery County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (-3.0% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~10 years — after that, you're playing with house money.
Negotiation context
- It's been on market 30 days — a 2% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 16y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $95k; 21% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.16% ✓
- Cap rate
- 9.66%
- Cash-on-cash
- 12.01%
- DSCR
- 1.53
- GRM
- 7.2
CMA / ARV
- ARV (median comp)
- $134,281
- List price
- $115,000
- Delta
- -14.36%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 105 Rockwood Ave | 0.27mi | 3/1.5 (-1) | 2,042 (-0%) | 12mo | $84,900 | $42 | 70 |
| 74 Fountain Ave | 0.29mi | 4/1.5 | 1,880 (-8%) | 5mo | $40,000 | $21 | 66 |
| 135 Lexington Ave | 0.52mi | 4/2.0 | 2,038 (-0%) | 10mo | $150,000 | $74 | 63 |
| 27 E Hudson Ave | 0.62mi | 4/2.0 | 2,020 (-1%) | 7mo | $129,975 | $64 | 59 |
| 549 Kenwood Ave | 0.29mi | 3/1.5 (-1) | 1,840 (-10%) | 5mo | $80,000 | $43 | 58 |
| 434 Grafton Ave | 0.31mi | 3/2.5 (-1) | 1,848 (-10%) | 6mo | $50,000 | $27 | 53 |
| 631 Belmonte Park | 0.47mi | 4/2.0 | 2,294 (+12%) | 5mo | $248,700 | $108 | 50 |
| 104 W Norman Ave | 0.67mi | 3/2.0 (-1) | 2,184 (+7%) | 8mo | $53,000 | $24 | 42 |
| 1556 N Euclid Ave | 0.68mi | 3/1.0 (-1) | 1,792 (-12%) | 2mo | $120,000 | $67 | 41 |
| 76 Vincent St | 0.59mi | 3/1.5 (-1) | 1,817 (-11%) | 7mo | $43,000 | $24 | 41 |
| 84 W Norman Ave | 0.66mi | 3/2.0 (-1) | 1,854 (-10%) | 8mo | $69,000 | $37 | 38 |
| 1044 W Grand Ave | 0.63mi | 4/2.0 | 2,342 (+14%) | 7mo | $45,000 | $19 | 37 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 3.03% rent growth · sell at horizon
- IRR
- 1.6%
- Equity multiple
- 1.06×
- Total profit
- $1,912
- Equity at exit
- $17,147
- IRR
- 11.2%
- Equity multiple
- 1.88×
- Total profit
- $28,180
- Equity at exit
- $9,943
Cash invested: $32,200 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 73 Landlord-Friendly
- State Ohio
- 73 Landlord-Friendly · R+6
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 45406
- Rents YoY
- 3.0%
- Active inventory
- 156
- Price-to-rent
- 7.2×
Monthly cashflow live
- Estimated rent
- $1,331 high interval (Pro) →
- Mortgage (P&I)
- −$603
- Tax from tax record
- −$78 /mo · $936/yr
- Insurance
- −$48
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$279
- Net cashflow
- $322
Break-even live
Sensitivity live
| Price | -10% $387 | -5% $355 | +0% $322 | +5% $290 | +10% $257 |
|---|---|---|---|---|---|
| Rent | -10% $217 | -5% $270 | +0% $322 | +5% $375 | +10% $427 |
| Rate | -1.0pp $380 | -0.5pp $352 | base $322 | +0.5pp $293 | +1.0pp $262 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $28,750
- Closing costs
- $3,450
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 26 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 338 Kenwood Ave Dayton, OH | 3.0 | 1.5 | 1512 | $1,195 | $0.79 | 46d | 1 | 0.06mi |
| 1501 Viola Ave Dayton, OH | 3.0 | 1.0 | 1952 | $1,175 | $0.60 | 16d | 1 | 0.21mi |
| 132 Wroe Ave Unit 132 Dayton, OH | 3.0 | 2.5 | 1934 | $1,297 | $0.67 | 46d | 1 | 0.22mi |
| 138 Rockwood Ave Dayton, OH | 3.0 | 1.5 | 1439 | $1,200 | $0.83 | 25d | 1 | 0.24mi |
| 136 Rockwood Ave Dayton, OH | 3.0 | 1.5 | 1439 | $1,200 | $0.83 | 46d | 1 | 0.24mi |
| 932 Harvard Blvd Dayton, OH | 5.0 | 2.0 | 1986 | $1,500 | $0.76 | 46d | 1 | 0.31mi |
| 942 Harvard Blvd Dayton, OH | 3.0 | 2.0 | 1596 | $1,200 | $0.75 | 5d | 1 | 0.33mi |
| 534 Geyer St Dayton, OH | 4.0 | 1.0 | 1640 | $1,530 | $0.93 | 25d | 1 | 0.44mi |
| 1225 Amherst Pl Dayton, OH | 3.0 | 1.0 | 1548 | $1,300 | $0.84 | 16d | 1 | 0.53mi |
| 1011 N Broadway St Dayton, OH | 3.0 | 1.5 | 1700 | $950 | $0.56 | 46d | 1 | 0.66mi |
| 101 W Norman Ave Unit 101 Dayton, OH | 3.0 | 1.0 | 1600 | $945 | $0.59 | 46d | 1 | 0.69mi |
| 41 W Fairview Ave Unit 2 Dayton, OH | 3.0 | 1.0 | 1452 | $1,200 | $0.83 | 16d | 1 | 0.72mi |
| 201 W Norman Ave Dayton, OH | 3.0 | 1.0 | 1424 | $1,200 | $0.84 | 46d | 1 | 0.77mi |
| 424 Lexington Ave Dayton, OH | 3.0 | 2.0 | 1536 | $1,025 | $0.67 | 46d | 1 | 0.83mi |
| 1119 Superior Ave Unit 1119 Dayton, OH | 3.0 | 1.0 | 1435 | $1,350 | $0.94 | 5d | 1 | 0.94mi |
| 1743 Radcliffe Rd Dayton, OH | 3.0 | 1.5 | 1729 | $1,200 | $0.69 | 46d | 1 | 0.96mi |
| 439 W Fairview Ave Dayton, OH | 3.0 | 1.0 | 1500 | $1,200 | $0.80 | 46d | 1 | 0.98mi |
| 26 W Beechwood Ave Dayton, OH | 3.0 | 1.5 | 1468 | $1,050 | $0.72 | 46d | 1 | 1.09mi |
| 253 E Hillcrest Ave Dayton, OH | 3.0 | 2.5 | 2569 | $1,800 | $0.70 | 5d | 1 | 1.13mi |
| 140 E Monument Ave Dayton, OH | 3.0 | 1.0–2.0 | 1048 | $2,344 | $2.24 | 5d | 11 | 1.22mi |
| 39 E Maplewood Ave Dayton, OH | 4.0 | 1.5 | 1560 | $1,050 | $0.67 | 5d | 1 | 1.22mi |
| 821 Herman Ave Dayton, OH | 3.0 | 1.0 | 1456 | $1,100 | $0.76 | 23d | 1 | 1.37mi |
| 1927 Burroughs Dr Dayton, OH | 3.0 | 2.0 | 1409 | $1,245 | $0.88 | 16d | 1 | 1.38mi |
| 127 Mound St Dayton, OH | 3.0 | 3.0 | 1726 | $1,600 | $0.93 | 16d | 1 | 1.45mi |
| 101 E Bruce Ave Dayton, OH | 3.0 | 1.0 | 1455 | $1,150 | $0.79 | 5d | 1 | 1.45mi |
| 204 Sears St Dayton, OH | 3.0 | 1.0–2.5 | 1124 | $2,793 | $2.48 | 5d | 10 | 1.50mi |
Listing history 36 events
-
2026-06-22days on market $115,000 Active 30 DOM
-
2026-06-18days on market $115,000 Active 27 DOM
-
2026-06-17days on market $115,000 Active 26 DOM
-
2026-06-16days on market $115,000 Active 25 DOM
-
2026-06-15days on market $115,000 Active 24 DOM
-
2026-06-14days on market $115,000 Active 22 DOM
-
2026-06-13days on market $115,000 Active 21 DOM
-
2026-06-10days on market $115,000 Active 19 DOM
-
2026-06-09days on market $115,000 Active 18 DOM
-
2026-06-08days on market $115,000 Active 17 DOM
-
2026-06-07days on market $115,000 Active 16 DOM
-
2026-06-05days on market $115,000 Active 13 DOM
-
2026-06-03days on market $115,000 Active 12 DOM
-
2026-06-02days on market $115,000 Active 11 DOM
-
2026-06-01days on market $115,000 Active 10 DOM
-
2026-05-31days on market $115,000 Active 9 DOM
-
2026-05-11status Pending 1429-char remark
-
2026-05-06$115,000 Active 1429-char remark
-
2024-06-10soldstatus $95,000
-
2024-05-24soldstatus $95,000 Closed 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2024-05-24soldstatus $95,000 Sold 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2024-05-14status Pending 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2024-04-23historical Active/Pending 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2024-04-18status Active 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2024-03-22historical Active/Pending 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2024-03-11$95,000 Active 759-char remark
Show marketing remark (759 chars)
4BD 1BA 2-story home with approx. 2,048 sqft of living space and a full unfinished basement. You are welcomed by a covered front porch. Inside you will find the living room, kitchen, dining room, and a bonus area currently being used as an office. Upstairs you will find 4 bedrooms and a full bathroom. Step up again to a large bonus room currently being used as a bedroom. Great investment opportunity or opportunity to make it your own. Tenants are month to month with rent at $995/month (Section 8 pays $531 towards rent). If you are buying to renovate, owner will need to give them 30 days notice to vacate. Tenants would also like to stay as this is a cash flow positive property, but not mandatory. Conveniently located near Five Oaks Park and downtown.
-
2018-07-17soldstatus $50,000
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2018-04-23soldstatus $23,000 Closed
Show marketing remark (329 chars)
This large, updated home has been used as a rental, but owner is ready to sell. Vinyl windows, glass block in full basement. Finished third floor could be additional living space. Great as an affordable first home or as an investment! (Information believed to be correct. Room sizes approximate. Please rely on own inspections. )
-
2018-04-23soldstatus $23,000 Sold
Show marketing remark (329 chars)
This large, updated home has been used as a rental, but owner is ready to sell. Vinyl windows, glass block in full basement. Finished third floor could be additional living space. Great as an affordable first home or as an investment! (Information believed to be correct. Room sizes approximate. Please rely on own inspections. )
-
2018-04-05historical Active/Pending
Show marketing remark (329 chars)
This large, updated home has been used as a rental, but owner is ready to sell. Vinyl windows, glass block in full basement. Finished third floor could be additional living space. Great as an affordable first home or as an investment! (Information believed to be correct. Room sizes approximate. Please rely on own inspections. )
-
2018-01-11$29,900 Active
Show marketing remark (329 chars)
This large, updated home has been used as a rental, but owner is ready to sell. Vinyl windows, glass block in full basement. Finished third floor could be additional living space. Great as an affordable first home or as an investment! (Information believed to be correct. Room sizes approximate. Please rely on own inspections. )
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2010-04-23soldstatus $27,000
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2010-04-23soldstatus $27,000 Closed
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2010-04-07historical
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2010-04-02$35,000
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1994-06-21soldstatus $50,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast OH · Partial reset (capped growth)
- Current annual tax
- $936 · $78/mo
- Projected year-2 tax
- $1,365 · $114/mo
- Expected delta
- +$429/yr (+$36/mo · 45.8%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 3/10 Moderate 7 d/yr ≥102°F today · 18 d/yr by 30 yrs out
- Wind 2/10 Low 0% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $15,970
- − Mortgage interest
- −$6,442
- − Property taxes
- −$936
- − Insurance
- −$575
- − Repairs & maintenance
- −$1,278
- − Management
- −$1,278
- − Depreciation
- −$3,345
- Taxable income
- $2,116
- Est. tax owed @ 24.0%
- −$508
- After-tax cash flow
- $3,360/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Dayton City
- NCES district ID
- 3904384
- Math proficiency
- 12% ▼ -12.00%
- Reading proficiency
- 21% ▼ -11.00%
- Median HH income
- $28,688
- Composite
- 12.94/100
- National rank
- #9579
- State rank
- #641 of 656 in OH
Livability — Dayton
- Score
- 65/100
- State rank
- #716
- US rank
- #12895
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Dayton, OH
- County
- Montgomery County · 459,541 people
- City population
- 164,387
- Metro
- Dayton-Kettering, OH
- Population (ZIP)
- 19,991
- Household income
- $41,796
- Rent vs Own
- Severe rent burden
- 1504.0
Population outlook (Montgomery County) Hauer SSP2
- Today (2025)
- 523,241 people
- By 2030
- 514,948 · -1.6%
- By 2040
- 493,378 · -5.7%
- By 2050
- 469,639 · -10.2%
- By 2075
- 418,360 · -20.0%
- By 2100
- 353,315 · -32.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Black (75%)
- Race & ethnicity
- Black 75% White 16% Two or more races 7% Hispanic / Latino 3%
- Common ancestry
- Italian 2% Lithuanian 1% Slovak 1%
- Foreign-born
- 2% · Canada
- Languages at home
- 97% English-only · Spanish 1%
Political lean MEDSL · Montgomery
- 2024 margin
- Toss-up / Even · D 49.8% · R 49.3%
- 2008→2024 swing
- -5.8pp toward R · 2008: 6.2pp · 2024: 0.5pp
- All cycles
- 2024: D+0.5 2020: D+2.2 2016: R+1.2 2012: D+3.1 2008: D+6.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -113.75%
- Current HPI
- 197.1302
- Rent YoY
- ▲ 3.03%
- Metro
- Dayton-Kettering, OH
- State GDP YoY
- ▲ 1.98%
- F500 in state
- 48
Industry mix (Fortune 500 HQ in OH)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Insurance | 3 | $145B |
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| Industrial Machinery | 3 | $49B |
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| Financial Services | 3 | $24B |
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| Consumer Goods | 2 | $93B |
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| Aerospace / Defense | 2 | $47B |
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| Utilities | 2 | $33B |
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Price history
+130.0% since first listed21 events — show timeline
- 2026-05-26 Relisted — Dayton MLS
- 2026-05-11 Pending — Dayton MLS
- 2026-05-06 Listed $115,000 Dayton MLS
- 2024-06-10 Sold (Public Records) $95,000 Public Records
- 2024-05-24 Sold (MLS) $95,000 Dayton MLS
- 2024-05-24 Sold (MLS) $95,000 Dayton MLS
- 2024-05-14 Pending — Dayton MLS
- 2024-04-23 Contingent — Dayton MLS
- 2024-04-18 Relisted — Dayton MLS
- 2024-03-22 Contingent — Dayton MLS
- 2024-03-11 Listed $95,000 Dayton MLS
- 2018-07-17 Sold (Public Records) $50,000 Public Records
- 2018-04-23 Sold (MLS) $23,000 Dayton MLS
- 2018-04-23 Sold (MLS) $23,000 Dayton MLS
- 2018-04-05 Contingent — Dayton MLS
- 2018-01-11 Listed $29,900 Dayton MLS
- 2010-04-23 Sold (MLS) $27,000 Dayton MLS
- 2010-04-23 Sold (MLS) $27,000 Dayton MLS
- 2010-04-07 Listing Removed — Dayton MLS
- 2010-04-02 Listed $35,000 Dayton MLS
- 1994-06-21 Sold (Public Records) $50,000 Public Records
Property tax history
-7.6%/yrLatest (2025): $936 · -2.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…