AreaProfile

Kettering, Ohio

Area Profile

57,206 residents. Jobs, income, climate, physical risk, development and airport access for Kettering, in Montgomery County.

75
Area Score
Top 11% of 1,482 published profiles

How we calculate this

How this area ranks
OpportunityTop 9% of 1,567 published cities79
Growth1405th of 1,503 published cities19
Housing affordabilityTop 5% of 1,876 published cities100
Climate1075th of 1,876 published cities68
Physical resilienceTop 15% of 1,849 published cities86
AccessTop 39% of 1,876 published cities96
Economic stabilityTop 33% of 1,876 published cities68
The quick read

Kettering ranks in the top 9% of published city profiles for employment opportunity, with unemployment at 3.4% and median household income of $74,681.

Residential permitting has slowed: 5 units authorized over the past twelve months, 55% below the prior year.

Natural-hazard exposure is lower than in most comparable published city profiles, placing Kettering in the top 15% for physical resilience.

At a glance

Population
57,206
2024 ACS 5-Year
Median household income
$74,681
Top 40% nationally
Density
3,057/sq mi
18.7 sq mi of land
Median age
38.5
2024 ACS 5-Year
County
Montgomery County
Ohio
Metro area
Dayton-Kettering-Beavercreek, OH
Nearest major airport
DAY
15 mi · James M Cox Dayton Intl
Median home value
$208,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.4% is lower than 87% of the 1,567 measured US cities.

Employment grew 0.8% over the past year, to 28,360 employed residents.

42% of adults hold a four-year degree, higher than 83% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$2,620$74,681Top 40%2024 ACS 5-Year
Per capita income ±$2,342$43,234Top 26%2024 ACS 5-Year
Poverty rate8.3%Bottom 39%2024 ACS 5-Year
Average commute22.0 minBottom 25%2024 ACS 5-Year
Bachelor's degree or higher41.7%Top 17%2024 ACS 5-Year
Employment28,360Top 43%June 2026
Employment change (3 years)1.8%Top 26%June 2026
Employment change (year over year)0.8%Top 13%June 2026
Labor force29,357Top 44%June 2026
Labor force participation66.3%Top 30%2024 ACS 5-Year
Mean annual wage$65,730Bottom 35%2025 OEWS
Median annual wage$49,980Bottom 41%2025 OEWS
Unemployment change (year over year)-1.1%Bottom 4%June 2026
Unemployment rate3.4%Bottom 13%June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032026/012026/065.42.9
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 3.4% in June 2026.
Median household income, successive ACS releases
202120222023202475k65k
Each point is a separate five-year estimate, most recently $74,681 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Dayton-Kettering-Beavercreek, OH
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers11,860$27,680
Registered Nurses11,640$82,510
General and Operations Managers10,180$98,030
Retail Salespersons9,170$30,360
Stockers and Order Fillers8,770$36,750
Cashiers7,300$28,750

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

Housing & affordability

How it’s calculated →

Median rent of $1,051 takes 17% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
16.9%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$1,051
2024 ACS 5-Year
Median home value
$208,500
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.79Bottom 46%2024 ACS 5-Year
Homeownership rate64.9%Bottom 28%2024 ACS 5-Year
Housing units ±49527,191Top 2%2024 ACS 5-Year
Median gross rent ±$33$1,051Top 44%2024 ACS 5-Year
Median home value ±$5,656$208,500Top 45%2024 ACS 5-Year
Rent as a share of income16.9%Bottom 38%2024 ACS 5-Year
Vacancy rate4.4%Bottom 26%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
19/ 100
Ranks 1405 of 1,503 published city profiles
Permitting is increasing, measured from 2022 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has fallen 1% since 2020, reaching 57,028 in 2024.

Permitting has turned upward after moving the other way the year before.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.1 permitted units per 1,000 residents, building activity is below the median for measured US cities.

Units permitted
5
12 months ending July 2026
Per 1,000 residents
0.1
Bottom 6% nationally
Year over year
−55%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202458k57k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
2022202320242025723.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2022 (−86%).

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 86°F and January a low of 22°F.

Normal annual precipitation is 41.0 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station DAYTON WRIGHT BROS AP, 8.1 miles from this location.
Precipitation
JFMAMJJASOND4.9"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation41.0"1991-2020 Normals
Average January low22°F1991-2020 Normals
Average July high86°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing45°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

86 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, strong wind and hail.

Strong windModerate
Ice stormModerate
HailModerate
EarthquakeModerate
Heat waveModerate

Low or minimal exposure: cold wave, inland flooding, lightning, tornado, winter weather, landslide, hurricane, wildfire, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

5 major airports lie within 100 miles, the nearest 15 miles away.

AirportCodeDistanceLongest runway
James M Cox Dayton IntlDAY15 mi8,502 ft
Wilmington Air ParkILN27 mi10,701 ft
Cincinnati/Northern Kentucky IntlCVG53 mi10,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
75
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Other cities in Dayton-Kettering-Beavercreek, OH

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
DaytonMontgomery County136,57969vs Kettering
BeavercreekGreene County47,126vs Kettering
Huber HeightsMontgomery County43,455vs Kettering
FairbornGreene County34,53482vs Kettering
TroyMiami County26,842vs Kettering
XeniaGreene County25,68976vs Kettering
CentervilleMontgomery County25,20582vs Kettering

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Kettering

4 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
4542926,347$80,21074
4542024,411$60,58872
4544022,358$82,38375
4540915,293$87,28374