Is Montgomery County, OH good for real estate investing?

Montgomery County has an investment score of 73/100, rated as "Buy". The county ranks #96 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Montgomery?

The rent-to-price ratio in Montgomery County is 7.64% annually, which ranks in the 87th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Montgomery?

The median home price in Montgomery County is $195,315. This ranks #360 in affordability among all US counties.

Can you cash flow on rental properties in Montgomery?

Based on median values with 20% down at current rates, a typical rental in Montgomery County would generate negative cash flow of $215/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Montgomery County

OhioPopulation: 536,121Dayton, TN Metro

/100

Buy

#96 of 1,000 counties

#29 in Ohio (88 counties)

Market Snapshot

$195,315

Median Home Price

15% below national median

$1,244/mo

Median Rent

9% below national median

7.64%

Rent-to-Price Ratio

Top 13% nationally

-$215

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$195,315

Down Payment (20%)$39,063

Loan Amount$156,252

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,244

Monthly P&I-$1,024

Est. Expenses (35%)-$435

Net Cash Flow-$215/mo

5.0%

Cap Rate (all cash)

-5.7%

Cash-on-Cash Return

7.64%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.0% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

73/100

Cash Flow(30%)

76/100

Based on 7.64% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

84/100

Based on 4.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

83/100

Price-to-income ratio of 3.2x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (7.64%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$215/mo)
-Negative leverage (cap rate 5.0% < mortgage rate 6.9%)

Economic Indicators

Population

536,121

Median Income

$61,942

vs $51,665 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.2x

Moderately affordable

Compare to Nearby Counties

County					Verdict
BelmontOH	74	$130,448	$787	7.24%	Buy	View
SenecaOH	74	$170,064	Est. pending	—	Buy	View
CurrentMontgomeryOH	73	$195,315	$1,244	7.64%	Buy
FultonOH	73	$220,165	Est. pending	—	Buy	View
LoganOH	72	$243,074	Est. pending	—	Buy	View
ChampaignOH	72	$241,343	Est. pending	—	Buy	View

The Bottom Line

BuyMontgomery offers solid investment potential with good cash flow or appreciation prospects.

Montgomery County in Ohio scores 73/100, ranking #96 of 1,000 US counties (top 10%). The 7.64% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-215/mo

Cap Rate

5.0%

Cash-on-Cash

-5.7%

Ready to Analyze a Deal in Montgomery?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$195,315

Down Payment (20%)$39,063

Loan Amount$156,252

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,244

Monthly P&I-$1,024

Est. Expenses (35%)-$435

Net Cash Flow-$215/mo

5.0%

Cap Rate (all cash)

-5.7%

Cash-on-Cash Return

7.64%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.0% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

73/100

Cash Flow(30%)

76/100

Based on 7.64% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

84/100

Based on 4.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

83/100

Price-to-income ratio of 3.2x. Lower ratios indicate more affordable markets.

County

Verdict

BelmontOH

$130,448

$787

7.24%

Buy

View

SenecaOH

$170,064

Est. pending

—

Buy

View

CurrentMontgomeryOH

$195,315

$1,244

7.64%

Buy

FultonOH

$220,165

Est. pending

—

Buy

View

LoganOH

$243,074

Est. pending

—

Buy

View

ChampaignOH

$241,343

Est. pending

—

Buy

View

The Bottom Line

BuyMontgomery offers solid investment potential with good cash flow or appreciation prospects.

Montgomery County in Ohio scores 73/100, ranking #96 of 1,000 US counties (top 10%). The 7.64% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-215/mo

Cap Rate

5.0%

Cash-on-Cash

-5.7%