In Kettering, a typical home is worth $208,500 and typical rent is $1,051 a month. Compared with all of Montgomery County, the typical home value is 15% higher and typical household income is 13% higher.
Typical home value from Zillow, September 2021 to September 2026: from $184,029 to $244,185.
Typical rent
$1,355a month
▲ 1.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,054 to $1,355.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kettering 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Moraine, the typical home value is $156,800: 25% less than in Kettering ($208,500).
2
The typical home in Kettering is worth $208,500,15% more than in Montgomery County as a whole ($180,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kettering
What homes there are in Kettering, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Kettering
Montgomery County
Ohio
United States
Kind of home: Kettering and its comparisons
Measure
Kettering
Montgomery County
Ohio
United States
Detached house
69%
67%
69%
61%
Attached house
5%
7%
5%
6%
Building of 2 to 4
12%
9%
8%
8%
Apartments (5 or more)
14%
16%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Montgomery County, most homes in Kettering are detached houses (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Kettering
Montgomery County
Ohio
United States
Year built: Kettering and its comparisons
Measure
Kettering
Montgomery County
Ohio
United States
Before 1960
48%
40%
38%
26%
1960–1979
37%
34%
26%
24%
1980–1999
10%
16%
20%
25%
2000–2009
3%
6%
10%
14%
2010 or later
1%
4%
7%
11%
Homes in Kettering are older: the typical year built is 1961; in Montgomery County, 1966.
Much as in Montgomery County, 63% of homes in Kettering have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K6%
$100K–$200K40%
$200K–$300K34%
$300K–$500K16%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Kettering and its comparisons
Measure
Kettering
Under $100K
6%
$100K–$200K
40%
$200K–$300K
34%
$300K–$500K
16%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Montgomery County is $541,287, and about 97% of owner-occupied homes in Kettering are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99939%
$1,000–$1,49940%
HUD fair market rent, 2 bedrooms: $1,248
$1,500–$1,9999%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kettering and its comparisons
Measure
Kettering
Under $500
6%
$500–$999
39%
$1,000–$1,499
40%
$1,500–$1,999
9%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 65% of rented homes in Kettering cost less than HUD's 2-bedroom fair market rent for Montgomery County ($1,248); the rest cost more.
With a mortgage
$1,467 a month
Montgomery County: $1,438 a month
Without a mortgage
$686 a month
Montgomery County: $604 a month
Owners with a mortgage
66%
Montgomery County: 61%
In Kettering, 66% of owners have a mortgage; their typical cost is $1,467 a month, about the same as in Montgomery County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kettering+56%
Montgomery County+51%
Ohio+47%
United States+53%
Typical rent
Kettering+30%
Montgomery County+29%
Ohio+28%
United States+33%
Typical household income
Kettering+27%
Montgomery County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Kettering and its comparisons
Measure
Kettering
Montgomery County
Ohio
United States
Typical home value
+56%
+51%
+47%
+53%
Typical rent
+30%
+29%
+28%
+33%
Typical household income
+27%
+28%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Kettering rose 56%; in Montgomery County, it rose 51%.
Much as in Montgomery County, the typical rent in Kettering rose 30% since 2015–2019.
Housing prices ran ahead of income in Kettering: typical income rose 27%, against +56% for home values and +30% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kettering and its comparisons
Measure
Kettering
Montgomery County
Ohio
United States
Rental vacancy
Unreliable estimate
4.7%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
0.8%
0.9%
More than one person per room
0.8%
1.5%
1.5%
3.4%
People per household
2.18
2.24
2.37
2.53
Drive alone
76%
76%
75%
69%
Carpool
8%
8%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
13%
12%
13%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 0.8% of households in Kettering live, near the figure in Montgomery County (1.5%).
By size, households in Kettering look like those in Montgomery County: 2.18 people on average.
In Kettering, 76% of workers drive alone to work; in Montgomery County, 76%.
Do the math
What would you pay each month for a home in Kettering?
A typical home is tight for the typical income
We start with a typical home in Kettering, worth $208,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Kettering, which is $74,681 a year. For that payment to be 28% of income, a household would need to earn about $80,740 a year.
The calculator's FHA and conventional loan limits are those of all of Montgomery County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Kettering. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,298 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,884
at 7.18% · 30 years
Loan amount
$204,723
Total interest
$294,548
Paid off in
November 2056
Includes $3,521 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,743 a month
Tight
$1,743 to $2,240 a month
Your payment · 30%
Hard
more than $2,240 a month
Compared with the typical household income in Kettering ($74,681 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,387
Property tax
$318
Home insurance
$87
FHA mortgage insurance (MIP)
$92
You need at least $7,298 for the down payment, plus closing costs.
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.
Total monthly payment $1,884; principal and interest $1,387.
The city and its county
Kettering and Montgomery County
Kettering 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).
Kettering
Map of Montgomery County, Ohio, with Kettering marked. Around it, the neighboring counties.
Kettering
Montgomery County
Other cities with a page
Kettering's own numbers
Typical home value
$208,500
Typical monthly rent
$1,051
Typical yearly household income
$74,681
Households that own their home
65%
Effective property tax rate
1.83%
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.
A typical home in Kettering is worth $208,500: 15% above the county and 3% below Ohio. With the typical household income in Kettering ($74,681 a year), a typical home costs 2.8 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.
Kettering2.8 years
Montgomery2.7 years
Ohio3.0 years
United States4.1 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.
Yearly change in FHFA’s price index in Montgomery County, 2016 to 2025
2016: +4.0% +4.0% 2016
2017: +5.4% +5.4% 2017
2018: +7.1% +7.1% 2018
2019: +5.9% +5.9% 2019
2020: +5.4% +5.4% 2020
2021: +12.6% +12.6% 2021
2022: +13.6% +13.6% 2022
2023: +8.5% +8.5% 2023
2024: +6.2% +6.2% 2024
2025: +5.7% +5.7% 2025
Change in FHFA’s price index in Montgomery County, Ohio and the United States
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
Kettering 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
Kettering$208,500
Montgomery$180,900
Ohio$214,800
United States$332,700
Typical monthly rent
Kettering$1,051
Montgomery$1,026
Ohio$1,034
United States$1,413
Typical yearly household income
Kettering$74,681
Montgomery$66,139
Ohio$71,389
United States$80,734
See the full table
Kettering next to Montgomery County and Ohio
Measure
Kettering
Montgomery County
Ohio
U.S.
Typical home value
$208,500 ▲15% above the county
$180,900
$214,800
$332,700
Typical monthly rent
$1,051 ▲2% above the county
$1,026
$1,034
$1,413
Typical yearly household income
$74,681 ▲13% above the county
$66,139
$71,389
$80,734
Households that own their home
65% ▲2 points above the county
62%
67%
65%
Typical yearly property tax
$3,809 ▲22% above the county
$3,127
$2,822
$3,119
Effective property tax rate
1.83% ▲0.1 points above the county
1.73%
1.31%
0.94%
Renters with high rent for their income
44% ▼3 points below the county
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 Kettering
For a typical $208,500 home in Kettering, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kettering's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,884a month
Least cash to close
Down payment
$7,298
Cash to close
$13,553
Rate
7.18%
Mortgage insurance
FHA MIP · $92
Conventional, 5% down$1,846a month
Down payment
$10,425
Cash to close
$16,680
Rate
7.18%
Mortgage insurance
PMI · $99
Conventional, 20% down, no PMI$1,535a month
Down payment
$41,700
Cash to close
$47,955
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,728a month
Down payment
$31,275
Cash to close
$37,530
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kettering
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,884
$7,298
$204,724
7.18%
FHA MIP · $92
$13,553
580
Conventional, 5% down
$1,846
$10,425
$198,075
7.18%
PMI · $99
$16,680
620*
Conventional, 20% down, no PMI
$1,535
$41,700
$166,800
7.18%
None
$47,955
620*
ITIN, 15% down (example)
$1,728
$31,275
$177,225
8.18%
None
$37,530
Set by the lender
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.
Typical rent in Kettering is $1,051 a month: 2% above the county. In Kettering, 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Montgomery County (Fiscal year 2027)
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 Kettering
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kettering has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,250 in 45420 to $1,370 in 45440.
3 of the 3 are above the fair market rent for Montgomery County ($1,248).
2-bedroom fair market rent in each of the 3 ZIP codes of Kettering, beside the one for Montgomery County. For 2 bedrooms it runs from $1,250 in 45420 to $1,370 in 45440. 3 of the 3 are above the fair market rent for Montgomery County ($1,248).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,248
Lowest: $1,250 (45420)Highest: $1,370 (45440)
Fair market rent by ZIP code and size in Kettering, fiscal year 2027.
45420
$910
$1,010
$1,250
$1,630
$1,780
45429
$930
$1,030
$1,280
$1,670
$1,820
45440
$1,000
$1,110
$1,370
$1,780
$1,950
ZIP code2 bd3 bd
45420 $1,250$1,630
45429 $1,280$1,670
45440 $1,370$1,780
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kettering 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Kettering or Montgomery County. The ones below are statewide in Ohio: they work in Kettering the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Kettering or Montgomery County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Kettering 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 Kettering?
The typical home value in Kettering is $208,500, 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 Kettering?
Typical rent in Kettering is $1,051 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 Kettering?
Kettering 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 Kettering?
The typical homeowner in Kettering pays $3,809 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Montgomery County, the rate is 1.73%.
Where can I find free help to buy or rent in Kettering?
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.
