Market Overview
Home Prices in Moraine, OH
The median home value in Moraine, OH is $167,238 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.7% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Moraine are priced59% below average. Moraine is part of the Dayton-Kettering, OH metro area.
Over the past five years, Moraine home values have risen by approximately27.6%, reflecting strong long-term appreciation in this market.
Price History
Moraine Home Price Trend
City Comparison
Moraine vs. National Median
At $167,238, homes in Moraine cost 59% below the national median of $410,000. This makes Moraine a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Moraine?
20% Down Payment
$33,448
on $167,238
Monthly P&I
$872/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,107/mo
incl. taxes & insurance
Income Needed
$44,280
gross annual (30% rule)
10% Down Option
$16,724
+ PMI applies
Loan Amount (20% dn)
$133,790
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 Moraine, OH?
The median home value in Moraine is $167,238 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.7% year-over-year.
How much have home prices changed in Moraine?
Over the past year, home values in Moraine have increased by 2.7%. Over five years, prices have risen approximately 27.6%.
How much do I need to earn to buy a home in Moraine?
To comfortably afford the median home price of $167,238 with a 20% down payment ($33,448) at today's rates (6.8%), you'd need a gross annual income of approximately $44,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Moraine compare to the national average home price?
The national median home value is approximately $410,000. At $167,238, homes in Moraine are 59% below the national average.
What metro area is Moraine part of?
Moraine is part of the Dayton-Kettering, OH metropolitan area. Home prices and market conditions can vary across the broader metro region.