Market Overview
Home Prices in Kettering, OH
The median home value in Kettering, OH is $251,740 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.1% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kettering are priced39% below average. Kettering is part of the Dayton-Kettering, OH metro area.
Over the past five years, Kettering home values have risen by approximately33.3%, reflecting strong long-term appreciation in this market.
Price History
Kettering Home Price Trend
City Comparison
Kettering vs. National Median
At $251,740, homes in Kettering cost 39% below the national median of $410,000. This makes Kettering a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kettering?
20% Down Payment
$50,348
on $251,740
Monthly P&I
$1,313/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,668/mo
incl. taxes & insurance
Income Needed
$66,720
gross annual (30% rule)
10% Down Option
$25,174
+ PMI applies
Loan Amount (20% dn)
$201,392
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 Kettering, OH?
The median home value in Kettering is $251,740 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.1% year-over-year.
How much have home prices changed in Kettering?
Over the past year, home values in Kettering have increased by 3.1%. Over five years, prices have risen approximately 33.3%.
How much do I need to earn to buy a home in Kettering?
To comfortably afford the median home price of $251,740 with a 20% down payment ($50,348) at today's rates (6.8%), you'd need a gross annual income of approximately $66,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Kettering compare to the national average home price?
The national median home value is approximately $410,000. At $251,740, homes in Kettering are 39% below the national average.
What metro area is Kettering part of?
Kettering is part of the Dayton-Kettering, OH metropolitan area. Home prices and market conditions can vary across the broader metro region.