Aug 2026
$151K
+9.4% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Dayton, OH housing market
Dayton, OH median sale price $151K in Aug 2026, up 9.4% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in Dayton, OH is $151K as of Aug 2026, up 9.4% from a year earlier. That is the 15th-largest year-over-year gain of the 195 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 5.3% through Q2 2026, 4.1 points apart; Price reconciliation below shows both.
On median sale price, Dayton ($151K) ranks 3rd of the five Ohio metros Pecan Street tracks, between Cincinnati ($293K) and Akron ($150K). On median days on market, Dayton (45 days) ranks 2nd of the five Ohio metros, between Columbus (48 days) and Cincinnati (44 days). Dayton has the highest share of listings with a price cut of the five Ohio metros (61%), ahead of Columbus (59%).
Listings spent a median 45 days on market in Sep 2026, fewer than in most of the 195 metros. 61% of active listings carry a price cut, 0.1 points more than a year earlier. That share is the highest of the 195 metros. Building permits authorized 159 new housing units in Aug 2026.
At the 7.45% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $841 a month; at 28% of gross income, that takes about $36K a year. The median sale price equals about 8 years of HUD Fair Market Rent, a ratio up 11.3% from a year earlier. That ratio is the 6th-lowest of the 195 metros. Active listings ask a median $152 per square foot, up 0.4% from a year earlier.
Median list prices are higher than a year earlier in six of the 12 ZIP codes in the table below and lower in six.
Headline
Oct 6, 2026
7.45%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$841/mo
$36K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Dayton compares to other U.S. metros
| Price cuts | ↑1st of 195 (top 1%) |
|---|---|
| Price-to-rent | ↓190th of 195 |
| Home-price growth | ↑15th of 195 (top 8%) |
| Days on market | ↓155th of 195 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 8 +11.3% YoY ↓190th of 195 |
|---|---|
| Asking price / sq ft | $152 +0.4% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 61% +0.1 pts YoY ↑1st of 195 (top 1%) |
|---|---|
| New housing units permitted | 159 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 68 |
|---|---|
| MLS board of record | Dayton REALTORS MLS |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
red · 4.1ppRedfin (city) +9.4% | FHFA HPI · Q2 2026 +5.3% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in OH
Track Dayton, OH with Pecan Street
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 45324 | $264K↓ | 83↑ | 44↑ | 44↑ | 41↑ | $211K↑ |
| 45342 | $300K↑ | 74↑ | 46↑ | 44↑ | 36↓ | $265K↑ |
| 45356 | $197K↑ | 65↑ | 30↓ | 36↑ | 42↑ | $185K↑ |
| 45373 | $384K↑ | 98↑ | 48↑ | 44↑ | 49↑ | $285K↑ |
| 45385 | $314K↑ | 102↑ | 64↑ | 84↑ | 41↑ | $261K↑ |
| 45405 | $111K↓ | 82↑ | 22 | 38↑ | 66↓ | $94K↓ |
| 45406 | $118K↓ | 74↑ | 24↓ | 32↑ | 87↑ | $97K↑ |
| 45410 | $155K↓ | 70↑ | 34↑ | 48↑ | 44↓ | $133K↑ |
| 45417 | $112K↑ | 90↑ | 46↑ | 30↑ | 58↓ | $76K↑ |
| 45424 | $264K↑ | 109↑ | 58↑ | 70↑ | 38↓ | $228K↑ |
| 45458 | $446K↓ | 104↓ | 70↑ | 68↓ | 36↓ | $429K↑ |
| 45459 | $304K↓ | 64↑ | 50↓ | 40↑ | 38↓ | $339K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.