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City · 47,126 residents · Greene County, Ohio

Beavercreek , Ohio

In Beavercreek, a typical home is worth $279,600 and typical rent is $1,457 a month. Compared with all of Greene County, typical rent is 28% higher and typical household income is 26% higher.

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  • Typical home value

    $279,600

    11% above the county

    30% above Ohio

    • Beavercreek
    • Greene
    • Ohio

  • Typical rent

    $1,457a month

    28% above the county

    41% above Ohio

    • Beavercreek
    • Greene
    • Ohio

  • Typical household income

    $110,088a year

    26% above the county

    54% above Ohio

    • Beavercreek
    • Greene
    • Ohio

  • Households that own their home

    72%

    4 points above the county

    5 points above Ohio

    • Beavercreek
    • Greene
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$332,640
1.7% more than 12 months ago
Typical rent
$1,764 a month
3.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Beavercreek is in Greene County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Greene County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Beavercreek apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Riverside, the typical home value is $147,800: 47% less than in Beavercreek ($279,600).

  2. Nearby, in Fairborn, the typical rent is $977: 33% less than in Beavercreek ($1,457).

  3. The typical rent in Beavercreek is $1,457 a month, 28% more than in Greene County as a whole ($1,135).

  4. The typical household income in Beavercreek is $110,088, 26% more than in Greene County as a whole ($87,309).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Beavercreek

What homes there are in Beavercreek, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in Beavercreek: 71% of homes, near the figure in Greene County (72%).

Year built

In Beavercreek, half of the homes were built before 1979; in Greene County, before 1976.

Homes in Beavercreek are bigger: 75% have 3 bedrooms or more; in Greene County, 70%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 94% of owner-occupied homes in Beavercreek are worth less than the FHA loan limit for Greene County ($541,287).

Monthly rent with utilities

With a mortgage

$1,837 a month

Greene County: $1,702 a month

Without a mortgage

$838 a month

Greene County: $700 a month

Owners with a mortgage

63%

Greene County: 64%

In Beavercreek, 63% of owners have a mortgage, and their typical cost is $1,837 a month, against $1,702 in Greene County. Without one it drops to $838.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Beavercreek rose 44% since 2015–2019, about the same as in Greene County (46%).

Rents in Beavercreek rose more slowly than in Greene County: 21% since 2015–2019, against 25%.

To compare: typical income in Beavercreek rose 21%; the home, +44%; the rent, +21%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBeavercreekGreene CountyOhioUnited States
Rental vacancy Unreliable estimate4.3%4.4%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.5%3.4%
People per household 2.392.382.372.53
Drive alone 75%76%75%69%
Carpool 7%8%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 16%13%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Greene County, a household in Beavercreek has 2.39 people on average.

Working from home is more common in Beavercreek: 16%, against 13% in Greene County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Beavercreek?

A typical home is within reach of the typical income

We start with a typical home in Beavercreek, worth $279,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Beavercreek, which is $110,088 a year.

The calculator's FHA and conventional loan limits are those of all of Greene County.

Your numbers

Local data
$

Starts at the typical home value in Beavercreek. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,786 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,550

at 7.18% · 30 years

Loan amount
$274,536
Total interest
$394,993
Paid off in
November 2056

Includes $4,722 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,569 a month

    Your payment · 28%

  • Tight

    $2,569 to $3,303 a month

  • Hard

    more than $3,303 a month

Compared with the typical household income in Beavercreek ($110,088 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,550
Principal & interest$1,860
Property tax$450
Home insurance$117
FHA mortgage insurance (MIP)$124

You need at least $9,786 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Beavercreek and Greene County

Beavercreek is in Greene County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Beavercreek's own numbers

Typical home value
$279,600
Typical monthly rent
$1,457
Typical yearly household income
$110,088
Households that own their home
72%
Effective property tax rate
1.93%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Greene County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,248
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Greene County.

Everything about Greene County

Buying

Buying a home in Beavercreek

A typical home in Beavercreek is worth $279,600: 11% above the county and 30% above Ohio. With the typical household income in Beavercreek ($110,088 a year), a typical home costs 2.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Beavercreek 2.5 years
  • Greene 2.9 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Greene County

According to FHFA’s house price index, home prices in Greene County rose 97% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Greene County.

Period County Ohio U.S.
Last year (2025) +3.8% +4.8% +2.9%
5 years (2020–2025) +57% +53% +47%
10 years (2015–2025) +97% +93% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Beavercreek next to Greene County, Ohio and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Beavercreek $279,600
  • Greene $252,200
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Beavercreek $1,457
  • Greene $1,135
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Beavercreek $110,088
  • Greene $87,309
  • Ohio $71,389
  • United States $80,734
See the full table
Beavercreek next to Greene County and Ohio
Measure Beavercreek Greene County Ohio U.S.
Typical home value $279,600 $252,200 $214,800 $332,700
Typical monthly rent $1,457 $1,135 $1,034 $1,413
Typical yearly household income $110,088 $87,309 $71,389 $80,734
Households that own their home 72% 68% 67% 65%
Typical yearly property tax $5,383 $4,071 $2,822 $3,119
Effective property tax rate 1.93% 1.61% 1.31% 0.94%
Renters with high rent for their income 35% 41% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Greene County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Beavercreek

For a typical $279,600 home in Beavercreek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Beavercreek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,550a month

    Least cash to close
    Down payment
    $9,786
    Cash to close
    $18,174
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $124

  • Conventional, 5% down $2,498a month

    Down payment
    $13,980
    Cash to close
    $22,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $2,081a month

    Down payment
    $55,920
    Cash to close
    $64,308
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,340a month

    Down payment
    $41,940
    Cash to close
    $50,328
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Beavercreek and for Greene County.

Property tax

Effective rate in Beavercreek

1.93%of the home’s value each year

$5,383 a year for the typical owner in Beavercreek.

  • Beavercreek 1.93%
  • Greene 1.61%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Greene County

FEMA does not publish these numbers by city: they are for all of Greene County.

Homes in the high-risk zone
1.2%
689
Of those, with NFIP insurance
27%
County Ohio U.S.
Homes in the high-risk zone 1.2% 1.7% 3.5%
Of those, with NFIP insurance 27% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Beavercreek

Typical rent in Beavercreek is $1,457 a month: 28% above the county. In Beavercreek, 35% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Greene County, by unit size. To pay the 2-bedroom one ($1,248 a month) without spending more than 30% of your income, you would need to earn $24.00 an hour working full time.

HUD fair market rent for all of Greene County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $909 $17.48 $36,360
1 bedroom $1,008 $19.38 $40,320
2 bedrooms $1,248 $24.00 $49,920
3 bedrooms $1,623 $31.21 $64,920
4 bedrooms $1,774 $34.12 $70,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Beavercreek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Beavercreek has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,070 in 45432 to $1,810 in 45434.

4 of the 5 are above the fair market rent for Greene County ($1,248).

  • 45301 $1,770$2,300
  • 45430 $1,720$2,240
  • 45431 $1,570$2,040
  • 45432 $1,070$1,390
  • 45434 $1,810$2,350

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Beavercreek when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Beavercreek

HUD lists 2 buildings with rents for lower incomes in Beavercreek. These are the largest.

  • Ahepa 113 2300 County Line Rd, Beavercreek 45430 58 homes, 57 low-income · For older adults (937) 431-0808
  • Stone Manor Apartments 30 Woodcroft Trl, Beavercreek 45430 50 low-income homes · For older adults (937) 429-2313

See all 25 buildings in Greene County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Beavercreek

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Greene County; 1 says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Beavercreek

No down payment, repair or rent-help program on our list is for Beavercreek or Greene County. The ones below are statewide in Ohio: they work in Beavercreek the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it. Offered by Ohio Housing Finance Agency (OHFA).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic). Offered by Ohio Housing Finance Agency (OHFA).

    Tax credit

    See the program Official page

Housing counselors near Beavercreek

The HUD-approved agencies closest to the center of Beavercreek, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Greenpath Financial Wellness

    2465 Executive Park Blvd, Fairborn · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 234-4767

  • Miami Valley Community Action Partnership

    719 S Main St, Dayton · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (937) 341-5000

  • County Corp

    130 W 2nd St, Dayton · 7 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    (937) 853-1600

Every agency in Greene County All counseling agencies in Ohio

Help in Spanish near Beavercreek

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Beavercreek

In HUD’s record, no housing authority with an office in Greene County is named for Beavercreek or Greene County.

One other authority has an office in Greene County: see the list Source: HUD

Cities

Other cities in Greene County

These cities are also in Greene County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Greene County Housing in Ohio

Nearby cities

The cities closest to Beavercreek, with the typical home value.

Neighboring counties

If Greene County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Beavercreek.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Beavercreek

Short answers with the numbers for Beavercreek and all of Greene County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Beavercreek?

The typical home value in Beavercreek is $279,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greene County it is $252,200.

How much does it cost to rent in Beavercreek?

Typical rent in Beavercreek is $1,457 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greene County is $1,248.

What is the FHA loan limit in Beavercreek?

Beavercreek uses the FHA limit for all of Greene County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Beavercreek?

The typical homeowner in Beavercreek pays $5,383 a year, according to the U.S. Census Bureau. That is 1.93% of the home’s value; in Greene County, the rate is 1.61%.

Where can I find free help to buy or rent in Beavercreek?

There is 1 HUD-approved counseling agency with an office in Greene County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).