As Dayton’s population has decreased 1 percent since the last census, home prices have significantly dropped, leaving a high supply of homes on the market.
If you’re searching for a new house, here’s a look at what Dayton’s median income can afford: With an annual median income at a solid $63,300, the Dayton homebuyer can spend roughly $1,582, or 30 percent of their monthly income, on their mortgage payment. Dayton’s median home price is $135,000. Great options will exist for a new home as Dayton also has a modest average homeowners insurance premium at $137 a month, well below the national average of $176 a month.
With a median income above the national average, as well as a median home price well below the national average, the Dayton homebuyer can afford some highly luxurious new homes at an astounding value in the current market. Dayton has over 75 new home communities in the area with many located to the east of the city.
Though Dayton has experienced a slight decline in population, the city remains a promising place to live and work. The city has an unemployment rate of 5.1% in mid 2025. With a solid median income well above the national average and one of the most affordable housing markets, the Dayton homebuyer has more options and buying power than most homebuyers in other parts of the country.
Whether looking to buy a new home or a resale home, Dayton homebuyers have some great options. If you would like to explore more new home options in the Dayton area, check out NewHomeSource.
Julie Gordey
A lifelong educator, Julie Gordey, is a retired school administrator. After years of focusing on education, this University of Texas graduate now travels and enjoys freelance writing for BDX and NewHomeSource.com.