Market Overview
Home Prices in Dayton, KY
The median home value in Dayton, KY is $204,013 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.4% compared to a year ago and up 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Dayton are priced50% below average. Dayton is part of the Cincinnati, OH-KY-IN metro area.
Over the past five years, Dayton home values have risen by approximately13.4%, reflecting steady appreciation in this market.
Price History
Dayton Home Price Trend
City Comparison
Dayton vs. National Median
At $204,013, homes in Dayton cost 50% below the national median of $410,000. This makes Dayton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Dayton?
20% Down Payment
$40,803
on $204,013
Monthly P&I
$1,064/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,351/mo
incl. taxes & insurance
Income Needed
$54,040
gross annual (30% rule)
10% Down Option
$20,401
+ PMI applies
Loan Amount (20% dn)
$163,210
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Dayton, KY?
The median home value in Dayton is $204,013 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.4% year-over-year.
How much have home prices changed in Dayton?
Over the past year, home values in Dayton have decreased by 0.4%. Over five years, prices have risen approximately 13.4%.
How much do I need to earn to buy a home in Dayton?
To comfortably afford the median home price of $204,013 with a 20% down payment ($40,803) at today's rates (6.8%), you'd need a gross annual income of approximately $54,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Dayton compare to the national average home price?
The national median home value is approximately $410,000. At $204,013, homes in Dayton are 50% below the national average.
What metro area is Dayton part of?
Dayton is part of the Cincinnati, OH-KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.