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City · 25,205 residents · Montgomery County, Ohio

Centerville , Ohio

In Centerville, a typical home is worth $287,200 and typical rent is $1,270 a month. Compared with all of Montgomery County, the typical home value is 59% higher and typical household income is 29% higher.

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  • Typical home value

    $287,200

    59% above the county

    34% above Ohio

    • Centerville
    • Montgomery
    • Ohio

  • Typical rent

    $1,270a month

    24% above the county

    23% above Ohio

    • Centerville
    • Montgomery
    • Ohio

  • Typical household income

    $85,492a year

    29% above the county

    20% above Ohio

    • Centerville
    • Montgomery
    • Ohio

  • Households that own their home

    67%

    5 points above the county

    About the same as Ohio

    • Centerville
    • Montgomery
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$386,981
2.2% more than 12 months ago
Typical rent
$1,688 a month
1.1% more than 12 months ago

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

Centerville is in Montgomery 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 Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Centerville apart

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

  1. The typical home in Centerville is worth $287,200, 59% more than in Montgomery County as a whole ($180,900).

  2. Nearby, in West Carrollton, the typical home value is $156,900: 45% less than in Centerville ($287,200).

  3. The typical household income in Centerville is $85,492, 29% more than in Montgomery County as a whole ($66,139).

  4. Nearby, in West Carrollton, the typical rent is $1,028: 19% less than in Centerville ($1,270).

  5. The typical rent in Centerville is $1,270 a month, 24% more than in Montgomery County as a whole ($1,026).

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

The homes here

Housing in Centerville

What homes there are in Centerville, 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 still the most common home in Centerville, but it weighs less than in Montgomery County: 56% against 67%.

Year built

Homes in Centerville are newer: the typical year built is 1977; in Montgomery County, 1966.

By size, homes in Centerville look like those in Montgomery County: 60% have 3 bedrooms or more.

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

By price, most homes in Centerville sit under the FHA limit for Montgomery County ($541,287): about 95%.

Monthly rent with utilities

With a mortgage

$1,781 a month

Montgomery County: $1,438 a month

Without a mortgage

$811 a month

Montgomery County: $604 a month

Owners with a mortgage

60%

Montgomery County: 61%

In Centerville, 60% of owners have a mortgage, and their typical cost is $1,781 a month, against $1,438 in Montgomery County. Without one it drops to $811.

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

Much as in Montgomery County, the typical home value in Centerville rose 54% since 2015–2019.

Rents in Centerville rose faster than in Montgomery County: 38% since 2015–2019, against 29%.

The typical household income in Centerville rose 16%: less than home values (+54%) and rent (+38%).

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

MeasureCentervilleMontgomery CountyOhioUnited States
Rental vacancy Unreliable estimate4.7%4.4%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate1.5%1.5%3.4%
People per household 2.072.242.372.53
Drive alone 77%76%75%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 17%12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Centerville are smaller: 2.07 people on average; in Montgomery County, 2.24.

Working from home is more common in Centerville: 17%, against 12% in Montgomery 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 Centerville?

A typical home costs more than the typical income allows

We start with a typical home in Centerville, worth $287,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Centerville, which is $85,492 a year. For that payment to be 28% of income, a household would need to earn about $110,805 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Centerville. 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 $10,052 (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

$2,585

at 7.18% · 30 years

Loan amount
$281,998
Total interest
$405,729
Paid off in
November 2056

Includes $4,850 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,995 a month

  • Tight

    $1,995 to $2,565 a month

  • Hard

    more than $2,565 a month

    Your payment · 36%

Compared with the typical household income in Centerville ($85,492 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,585
Principal & interest$1,910
Property tax$428
Home insurance$120
FHA mortgage insurance (MIP)$127

You need at least $10,052 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

Centerville and Montgomery County

Centerville is in Montgomery 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).

Centerville's own numbers

Typical home value
$287,200
Typical monthly rent
$1,270
Typical yearly household income
$85,492
Households that own their home
67%
Effective property tax rate
1.79%

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

Numbers for all of Montgomery 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)
+56%
Homes in a high flood-risk zone
1.3%

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 Montgomery County.

Everything about Montgomery County

Buying

Buying a home in Centerville

A typical home in Centerville is worth $287,200: 59% above the county and 34% above Ohio. With the typical household income in Centerville ($85,492 a year), a typical home costs 3.4 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.

  • Centerville 3.4 years
  • Montgomery 2.7 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 104% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +5.7% +4.8% +2.9%
5 years (2020–2025) +56% +53% +47%
10 years (2015–2025) +104% +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

Centerville next to Montgomery 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
  • Centerville $287,200
  • Montgomery $180,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Centerville $1,270
  • Montgomery $1,026
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Centerville $85,492
  • Montgomery $66,139
  • Ohio $71,389
  • United States $80,734
See the full table
Centerville next to Montgomery County and Ohio
Measure Centerville Montgomery County Ohio U.S.
Typical home value $287,200 $180,900 $214,800 $332,700
Typical monthly rent $1,270 $1,026 $1,034 $1,413
Typical yearly household income $85,492 $66,139 $71,389 $80,734
Households that own their home 67% 62% 67% 65%
Typical yearly property tax $5,138 $3,127 $2,822 $3,119
Effective property tax rate 1.79% 1.73% 1.31% 0.94%
Renters with high rent for their income 44% 47% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Montgomery 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 Centerville

For a typical $287,200 home in Centerville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Centerville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,585a month

    Least cash to close
    Down payment
    $10,052
    Cash to close
    $18,668
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $127

  • Conventional, 5% down $2,533a month

    Down payment
    $14,360
    Cash to close
    $22,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $136

  • Conventional, 20% down, no PMI $2,105a month

    Down payment
    $57,440
    Cash to close
    $66,056
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,370a month

    Down payment
    $43,080
    Cash to close
    $51,696
    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 Centerville and for Montgomery County.

Property tax

Effective rate in Centerville

1.79%of the home’s value each year

$5,138 a year for the typical owner in Centerville.

  • Centerville 1.79%
  • Montgomery 1.73%
  • 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 Montgomery County

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

Homes in the high-risk zone
1.3%
2,655
Of those, with NFIP insurance
25%
County Ohio U.S.
Homes in the high-risk zone 1.3% 1.7% 3.5%
Of those, with NFIP insurance 25% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Centerville

Typical rent in Centerville is $1,270 a month: 24% above the county. In Centerville, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Montgomery 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 Montgomery 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 Centerville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Centerville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,460 in 45459 to $1,600 in 45458.

2 of the 2 are above the fair market rent for Montgomery County ($1,248).

  • 45458 $1,600$2,080
  • 45459 $1,460$1,900

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Centerville 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 Centerville

HUD lists 3 buildings with rents for lower incomes in Centerville. These are the largest.

  • Chevy Chase Park 347 Chevy Ln, Centerville 45458 232 low-income homes · For families (937) 433-8148
  • ST Leonard Center 8400 Saint Francis Dr, Centerville 45458 100 low-income homes · 1 bd: 75 · 2 bd: 25 · In service since 1997
  • Parkview Place 1420 Parkbrook Dr, Centerville 45458 50 low-income homes · For families (937) 433-8880

See all 178 buildings in Montgomery County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Centerville

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 are 5 HUD-approved agencies with an office in Montgomery County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Centerville

No down payment, repair or rent-help program on our list is for Centerville or Montgomery County. The ones below are statewide in Ohio: they work in Centerville 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 Centerville

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

  • Miami Valley Community Action Partnership

    719 S Main St, Dayton · 8 miles away

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

  • County Corp

    130 W 2nd St, Dayton · 9 miles away

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

  • Greenpath Financial Wellness

    2465 Executive Park Blvd, Fairborn · 11 miles away · Spanish

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

Every agency in Montgomery County All counseling agencies in Ohio

Help in Spanish near Centerville

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 Centerville

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

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

Cities

Other cities in Montgomery County

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

Everything about Montgomery County Housing in Ohio
See 4 more cities in Montgomery County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Montgomery 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 Centerville.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Centerville

Short answers with the numbers for Centerville and all of Montgomery 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 Centerville?

The typical home value in Centerville is $287,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $180,900.

How much does it cost to rent in Centerville?

Typical rent in Centerville is $1,270 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $1,248.

What is the FHA loan limit in Centerville?

Centerville uses the FHA limit for all of Montgomery 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 Centerville?

The typical homeowner in Centerville pays $5,138 a year, according to the U.S. Census Bureau. That is 1.79% of the home’s value; in Montgomery County, the rate is 1.73%.

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

There are 5 HUD-approved counseling agencies with an office in Montgomery 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).