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Cap Rate Analysis: Dayton, OH

Investment metrics, interactive calculators, and data-driven analysis for Dayton rental properties.

Moderate — source deals carefully
Based on $140,000 median price and $960/mo median rent
Est. Cap Rate
5.24%
1% Rule
0.69%
Fails
GRM
12.2x
Price / Income
3.9x

Market Data

Median Home Price$140,000
Median Monthly Rent$960
Property Tax Rate1.6%
Population140,407
Population Growth-0.1% / yr
Median Household Income$36,200
Vacancy Rate7.2%
Annual Appreciation2%

Cap Rate Calculator — Dayton

Pre-filled with Dayton medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.6% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
4.15%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$5,807
net operating income
Gross Rent Multiplier
12.2x
Good (<15)
1% Rule
0.69%
✗ Fails
Monthly Cash Flow
$484
before debt service
Annual Breakdown
Gross Rental Income$11,520
Less Vacancy−$829
Effective Income$10,691
Less Operating Expenses−$4,884
Net Operating Income$5,807

Cash-on-Cash Return — Dayton

Factor in financing to see your actual return on invested capital in Dayton.

$
$35,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-3.90%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$39,200
$35,000 down + $4,200 closing
Monthly Mortgage
$685
on $105K loan
Monthly Cash Flow
$-128
after all expenses
Annual Cash Flow
$-1,530
before taxes
Cash Flow Breakdown
Monthly Rent$960
Less Expenses−$403
Less Mortgage−$685
Monthly Cash Flow$-128

Is Dayton a Good Place to Invest in Rental Property?

Dayton, OH has a population of 140,407 and has been growing at -0.1% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $140,000 paired with median rents of $960/mo produces an estimated cap rate of 5.24%.

Property taxes at 1.6% are notably high and represent a significant drag on cash flow — model this expense carefully, as it can make or break a deal. The vacancy rate of 7.2% runs above average, which increases cash flow volatility and warrants conservative underwriting.

At a price-to-income ratio of 3.9x, homes cost about 3.9 times the local median income of $36,200. This relatively affordable ratio suggests a deep pool of renters who find buying out of reach, supporting rental demand. Home values have appreciated at roughly 2% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Dayton presents moderate opportunities. Cap rates near 5.24% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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