Real Estate Investing in Fairfield, Ohio (45014)
Should you buy in 45014 (Fairfield, OH)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Fairfield, OH (45014)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45014 Fairfield
ZIP 45014 in Fairfield, OH carries a notable set of headwinds. Home values near $285K and rents of $1,304/mo sit inside a market where underwriting has to be tight.
Distressed markets are won on execution, not on spreadsheets. ZIP 45014 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Within OH, ZIP 45014 trails on several market indicators that neighboring Butler County submarkets outperform. The gap is real and substantial enough to shape underwriting.
Employment concentration in 45014 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategically, 45014 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Fairfield:
Property Strategy for 45014
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $158,513 | $1,470 | 6.7% | +8.4% | $79,257 |
| 3BR | $275,456 | $1,940 | 5.1% | +7.9% | $91,819 |
| 4BR | $358,151 | $2,150 | 4.3% | +7.4% | $89,538 |
| 5BR | $402,240 | — | — | +7.0% | $80,448 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 45014 Compare?
| Metric | 45014 | Fairfield | Cincinnati, OH-KY-IN | Ohio |
|---|---|---|---|---|
| Home Value | $285,327 | $285,327 | N/A | $237,530 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 7.4% |
| Avg Rent | $1,304 | $1,304 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 45014 (Fairfield, OH). Anonymous, moderated, never written by AI.
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Property managers serving Butler County
Manage rentals here? List your business →Professional Rental Management has been doing business in Hays for over 30 years, managing 1, 2, and 3 bedroom apartments with full-time maintenance staff. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $285,327 |
| Monthly Rent | $1,304 |
| Price-to-Rent | 18.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +5.4% ▲ |
| 3-Year CAGR | +5.4% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 Rent Trends
| 1-Year | -4.0% ▼ |
| 3-Year CAGR | +1.4% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 45014
Population: 45,652
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 45014
Schools in This ZIP Code
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
Linden Elementary School
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 739 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much should I expect to pay for a home in Fairfield, OH?
Fairfield, OH home values average about $285K. That price point suits investors targeting rentals with $1,304/mo in monthly income.
How strong is the working-renter base in Fairfield, OH?
Tenant quality in Fairfield, OH ranks as solid. Landlords generally report stable occupancy at market rents of $1,304/mo.
What does house hacking look like in Fairfield, OH?
House hacking works a challenging in Fairfield, OH. Rents of $1,304/mo against $285K acquisition make the strategy solid for owner-occupants.
Does Fairfield, OH make sense for an investment property?
Yes - Fairfield, OH a 3.0/5 investability score. With $285K home prices against $1,304/mo monthly rent, the market delivers a reasonable entry point for new investors.
What strategy should investors use in Fairfield, OH?
In Fairfield, OH the solid play is typically careful cash-flow rentals with hands-on management. The combination of $285K prices and $1,304/mo rents suits that approach.
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