Kettering, OH — City Data, Demographics & Statistics
Montgomery County · Ohio
City DNA
A unique fingerprint for Kettering based on 8 key metrics — compared to averages.
Quick Stats
Population
57,442
2023 ACS
Median Income
$71,619
2023
Median Home Value
$192,500
2023
Median Rent
$983
2023
Median Age
38.6
Unemployment
3.8%
Cost of Living Index
109.2
100 = national avg
Kettering is a city in Montgomery County, Ohio, with a population of 57,442 according to the 2023 American Community Survey. Kettering is one of the communities in Ohio.
The median household income in Kettering is $71,619, and the median home value is $192,500. The cost of living index is 109.2 (where 100 = national average), and the median rent is $983 per month. The unemployment rate is 3.8%, and the median age is 38.6 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
57,442
Male
27,870
48.5%
Female
29,572
51.5%
Median Age
38.6
Education & Household
Bachelor's or Higher
29.1%
High School or Higher
44.3%
Foreign Born
5.6%
Veterans
7.0%
Married
41.8%
Avg Household Size
2.2
Marital Status by Age
Race & Ethnicity
Diversity Index
0.270
Simpson's Index (0-1)
Largest Group
White
84.9%
Foreign Born
5.6%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
2.8%
1,631 people
Not Hispanic/Latino
97.2%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
54,024
English Only
93.2%
#1 Non-English Language
Other Languages
931 speakers
Limited English
2.4%
Language Distribution
English Proficiency
Speaks English Very Well
97.6%
Limited English Proficiency
2.4%
Veterans & Military
Total Veterans
4,015
7.0% of population
Disability Rate
27.8%
1,114 with disability
Veteran Median Income
$50,305
Unemployment Rate
3.0%
Period of Service
Veteran Age Distribution
Male Veterans
3,544
88.3%
Female Veterans
471
11.7%
Veteran vs Non-Veteran Income
Veteran Income
$50,305
Non-Veteran Income
$41,110
Difference
$9,195
22.4% higher
Disability Status
With Disability
1,114
Without Disability
2,901
Disability Rate
27.8%
Ancestry & Heritage
Total Reporting Ancestry
49,203
#1 Ancestry
German
27.4% (15,715)
#2 Ancestry
Irish
14.5% (8,345)
#3 Ancestry
English
14.3% (8,188)
Top 20 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
26,192
Family Households
15,097
57.6%
Married Couples
11,410
43.6%
Non-Family Households
11,095
42.4%
Single Mother Households
2,673
10.2%
Single Father Households
1,014
3.9%
Living Alone
9,180
35.0%
Children Under 18
Total Children
11,404
In Married Couple
8,278
72.6%
With Single Mother
2,295
20.1%
With Single Father
831
7.3%
Family Income
Median Family Income
$92,127
Married Couple Income
$105,362
Single Mother Income
$51,558
Single Father Income
$75,732
Avg Family Size
2.2
Avg Non-Family Size
1.9
Grandparents w/ Grandchildren
571
Grandparents Responsible
311
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$71,619
-2% vs national
Per Capita Income
$42,217
+14% vs national
Poverty Rate
8.5%
-37% vs national
Gini Index
0.4485
0 = perfect equality
Unemployment
3.8%
-27% vs national
SNAP Recipients
7.7%
of households
How Kettering Compares
Kettering vs Similar Cities
Compared to cities with 50,000 - 100,000 residents. Kettering is highlighted.
Median Household Income
Kettering, OH has a median household income of $71,619, making it the 11,587th highest median household income out of 28,123 cities in our database. This means that Kettering has a higher median household income than 59% of all the cities we measured.
Per Capita Income
Kettering, OH has a per capita income of $42,217, making it the 7,390th highest per capita income out of 28,123 cities in our database. This means that Kettering has a higher per capita income than 74% of all the cities we measured.
Poverty Rate
Kettering, OH has a poverty rate of 8.5%, making it the 18,659th highest poverty rate out of 31,262 cities in our database. This means that Kettering has a higher poverty rate than 40% of all the cities we measured.
Unemployment Rate
Kettering, OH has a unemployment rate of 3.8%, making it the 15,195th highest unemployment rate out of 31,012 cities in our database. This means that Kettering has a higher unemployment rate than 51% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Kettering. The median household income here is $71,619.
Income Distribution
Employment Snapshot
Unemployment Rate
3.8%
-21% vs OH avg
Labor Force
30,432
Employed
29,037
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
29.1%
of adults 25+
High School Diploma+
44.3%
of adults 25+
Median Age
38.6
Work from Home
11.3%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the Dayton-Kettering-Beavercreek, OH metro area
Highest-Paying Job
Software Developers
Top Median Wage
$104.3K
per year
Occupations Tracked
20
Cost of Living
Overall Index
109.2
100 = national avg
+9.2 vs national average
Living Wage (1 Adult)
$48,032
per year
Living Wage (Family of 4)
$113,530
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$1,009
per month
2 Bedroom
$1,273
per month
The median household income in Kettering, OH is $71,619, which is 2.2% below the national average of $73,224. Per capita income is $42,217. The poverty rate of 8.5% is lower than the OH state average of 12.6%. The Gini index of income inequality is 0.4485, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 3.8%, compared to the state average of 4.8%. The labor force is 30,432. 29.1% of adults hold a bachelor's degree or higher. About 77.7% of workers drive alone to work. The overall cost of living index is 109.2, which is 9.2% above the national average. Housing costs are above the national average at an index of 113.4. A single adult needs to earn approximately $48,032 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin — January 2026
Median Sale Price
$243,000
Median List Price
$249,900
Price Per Sq Ft
$159
Days on Market
36
Active Inventory
98
Months of Supply
2.0
Seller's market
Zillow Home Value
$233,896
ZHVI — January 2026
Zillow Rent Index
$1,235
ZORI — January 2026
Market CompetitivenessRedfin
Sold Above List
18.0%
Off Market in 2 Weeks
41.4%
Sale-to-List Ratio
96.4%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
50
New Listings
47
Pending Sales
70
Price Per Square FootRedfin
Median Sale $/SF
$159
Median List $/SF
$167
House Price IndexFHFA
How much have housing prices increased in Kettering, OH? According to the Federal Housing Finance Agency (FHFA) House Price Index for the Dayton-Kettering-Beavercreek, OH metro area, home prices have risen 314.6% over the past 40 years. Over 20 years, prices grew 90.8%. The 10-year growth rate is 109.2%. Over the last 5 years, prices increased 57.0%. In the most recent 2-year period, the index rose 14.0%. The FHFA HPI tracks average price changes in repeat sales or refinancings of single-family properties with conforming mortgages. Because this is a metro-level index, it reflects the broader Dayton-Kettering-Beavercreek, OH housing market rather than Kettering alone.
Metro area: Dayton-Kettering-Beavercreek, OH
Kettering vs Similar CitiesCensus ACS / Redfin
Compared to cities with 50,000 - 100,000 residents. Kettering is highlighted.
Median Home Value
Kettering, OH has a median home value of $192,500, making it the 12,818th highest median home value out of 27,993 cities in our database. This means that Kettering has a higher median home value than 54% of all the cities we measured.
Median Rent
Kettering, OH has a median rent of $983, making it the 10,362nd highest median rent out of 22,337 cities in our database. This means that Kettering has a higher median rent than 54% of all the cities we measured.
Median Price Per Sq Ft
Kettering, OH has a price per square foot of $159, making it the 11,662nd highest price per square foot out of 20,748 cities in our database. This means that Kettering has a higher price per square foot than 44% of all the cities we measured.
Rent Burden
Kettering, OH has a rent burden of 16.5%, making it the 14,372nd highest rent burden out of 21,928 cities in our database. This means that Kettering has a higher rent burden than 34% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$192,500
Median Rent
$983
Total Housing Units
27,480
Vacancy Rate
4.7%
Owner Occupied
64.9%
Renter Occupied
35.1%
Median Property Tax
$3,680
per year
Monthly Cost (w/ Mortgage)
$1,178
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$3,680
per year
Effective Tax Rate
1.91%
of home value
Median Home Value
$192,500
Estimated Mean Tax
$4,061
The effective property tax rate is calculated by dividing the median annual property tax ($3,680) by the median home value ($192,500). In Kettering, OH, this works out to an effective rate of 1.91%. This is above the national average of approximately 1.1%.
The current median sale price in Kettering, OH is $243,000 according to Redfin data. Homes spend a median of 36 days on the market. 18.0% of homes sold above asking price. The market has 2.0 months of supply. The median price per square foot is $159. Zillow's observed rent index is $1,235/month. About 64.9% of housing units are owner-occupied. The median year homes were built is 1961. There are 27,480 total housing units. Homeowners pay a median annual property tax of $3,680. The effective tax rate is 1.91%, above the national average.
Crime Overview
Source: FBI Crime Data Explorer (2024)Violent Crime Rate
0.42
per 1,000 residents
-84% vs national
Property Crime Rate
15.01
per 1,000 residents
-13% vs national
Total Crimes
873
2024
Violent Clearance
71%
cases solved
Property Clearance
21%
cases solved
YoY Change
-24.9%
violent crime rate
improving vs 2023
How Kettering Compares
Source: FBI (2024)Kettering vs Similar Cities
Source: FBI (2024)Compared to cities with 50,000 - 100,000 residents. Kettering is highlighted in green.
Violent Crime Rate (per 1,000)
Property Crime Rate (per 1,000)
Murder Rate (per 1,000)
Crime Rate Trends
Source: FBICrime Composition
Source: FBI (2024)Violent Crime Breakdown
Property Crime Breakdown
Crime Clearance (Solve) Rates
Source: FBI (2024)Kettering police solve 80% of rape cases but only 4% of motor vehicle theft cases.
Weapon Used in Violent Crime
Source: FBI (2024)Crime Breakdown
Source: FBI Crime Data Explorer (2024)| Crime Type | Category | Count | Rate per 1K | Clearance % |
|---|---|---|---|---|
| Murder | Violent | 0 | 0.00 | N/A |
| Rape | Violent | 10 | 0.18 | 80.0% |
| Robbery | Violent | 7 | 0.12 | 57.1% |
| Aggravated Assault | Violent | 7 | 0.12 | 71.4% |
| Burglary | Property | 88 | 1.56 | 13.6% |
| Larceny/Theft | Property | 677 | 11.97 | 24.7% |
| Motor Vehicle Theft | Property | 84 | 1.49 | 3.6% |
Kettering, OH reported 24 violent crimes and 849 property crimes in 2024. The violent crime rate of 0.42 per 1,000 residents is 83.7% below the national average of 2.60 per 1,000. Law enforcement cleared 71% of violent crimes. Larceny/theft accounts for 677 of the property crime reports. Firearms were involved in 14.3% of aggravated assaults. Violent crime has been trending downward.
Crime History
Source: FBI| Year | Violent | Property | Violent Rate | Property Rate |
|---|---|---|---|---|
| 2024 | 24 | 849 | 0.42 | 15.01 |
| 2023 | 32 | 812 | 0.57 | 14.34 |
| 2022 | 30 | 803 | 0.53 | 14.06 |
| 2020 | 64 | 719 | 1.17 | 13.14 |
| 2019 | 57 | 794 | 1.04 | 14.44 |
| 2018 | 54 | 838 | 0.98 | 15.23 |
| 2017 | 70 | 860 | 1.27 | 15.59 |
| 2016 | 73 | 1,008 | 1.32 | 18.20 |
| 2015 | 71 | 1,083 | 1.28 | 19.49 |
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
92.7
Relatively Moderate
Expected Annual Loss
92.2
Score (0-100)
Social Vulnerability
46.5
Score (0-100)
Community Resilience
78.3
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
13
Public Assistance
$72.3M
Individual Assistance
$12.3M
Most Common Type
Severe Storm
5 declarations
Public Assistance by Category
| Disaster | Type | Date | PA $ | IA $ |
|---|---|---|---|---|
| Covid-19 Pandemic → | Biological | Mar 2020 | $55.7M | $11.3M |
| Covid-19 → | Biological | Mar 2020 | — | — |
| Severe Storms, Straight-line Winds, Torn… → | Tornado | Jun 2019 | $7.0M | $951K |
| Severe Storms → | Severe Storm | Jun 2012 | — | — |
| Severe Wind Storm Associated With Tropic… → | Severe Storm | Oct 2008 | $6.4M | — |
| Hurricane Katrina Evacuation → | Hurricane | Sep 2005 | $7K | — |
| Severe Winter Storms, Flooding, and Muds… → | Severe Storm | Feb 2005 | $1.1M | — |
| Snow → | Snowstorm | Jan 2005 | $1.3M | — |
| Severe Storms and Flooding → | Severe Storm | Sep 2004 | $2K | — |
| Severe Winter Storm and Record/near Reco… → | Severe Storm | Mar 2003 | $868K | — |
| Severe Storms and Tornado → | Severe Storm(s) | Sep 2000 | $33K | — |
| Severe Storms & Flooding → | Flood | Jun 1989 | — | — |
| Blizzards & Snowstorms → | Snowstorm | Jan 1978 | — | — |
| Heavy Rains & Flooding → | Flood | Jun 1968 | — | — |
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
325
Total Claims Paid
$2,007,488
Avg Claim Payout
$6,177
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
8
Federal Funding
$1,954,679
Properties Protected
43
Avg Benefit-Cost Ratio
0.91
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 200.1: Acquisition of Private Real Property (Structures and Land) - Riverine | 5 | $1,796,314 |
| 205.8: Retrofitting Public Structures - Wind | 1 | $11,850 |
| 904.1: Advanced Assistance | 1 | $122,035 |
| 600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan) | 1 | $24,479 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Kettering has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, ice storm, hail. The area has had 13 federal disaster declarations. The most common disaster type is severe storm (5 declarations). 325 flood insurance claims have been filed in the area. FEMA has obligated $72,334,155 in public assistance recovery funding. $12,288,519 has been distributed in individual assistance to disaster-affected residents. 8 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
33.5%
2.6pp below the national average
Depression Rate
26.4%
2.9pp above the national average
Diabetes Rate
12.0%
near the national average
Uninsured Rate
6.5%
4.1pp below the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
33.6%
Arthritis
28.4%
Cancer (excl. skin)
9.5%
Teeth Lost (65+)
12.0%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
16.8%
14+ days in past month
Depression
26.4%
Loneliness
34.4%
Lack of Support
18.5%
Disability Prevalence
Any Disability
28.0%
Mobility
12.3%
Cognitive
12.7%
Hearing
6.6%
Vision
4.0%
Self-Care
3.2%
Independent Living
7.2%
Health-Related Social Needs
Prevalence of social risk factors affecting community health
Kettering has an obesity rate of 33.5%, which is 2.6pp below the national average. The depression rate is 26.4%, 2.9pp above the national average. About 6.5% of adults lack health insurance. 80.3% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
3
Avg CMS Rating
3.0 / 5
Nearest Hospital
1.1 mi
Kettering Health Main Campus
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Kettering Health Main Campus | 1.1 mi | Acute Care Hospitals | 3/5 | Yes |
| Access Hospital Dayton, Llc | 1.9 mi | Psychiatric | — | — |
| Miami Valley Hospital | 2.7 mi | Acute Care Hospitals | 3/5 | Yes |
| Dayton Childrens Hospital | 6.4 mi | Childrens | — | Yes |
| Shriners Hospitals For Children | 6.4 mi | Childrens | — | — |
Climate & Environment
Water Systems
Source: EPA SDWISWater Systems
4
Pop. Served
233,350
Violations (5yr)
0
No violations
| System Name | Pop. Served | Violations (5yr) |
|---|---|---|
| MONTGOMERY COUNTY WATER SERVICES 1 PWS | 150,207 | 0 |
| MONTGOMERY COUNTY WATER SERVICES 2 PWS | 83,033 | 0 |
| EVERGREEN EDGEWOOD MHP PWS | 80 | 0 |
| SHERWOOD GROVE MHP | 30 | 0 |
There are 4 water systems serving the area.
Infrastructure
Commute Overview2023 ACS
Drive Alone
77.7%
-1% vs national
Public Transit
1.4%
+61% vs national
Work From Home
11.3%
+22% vs national
Carpool
7.7%
Walk / Bike
1.4%
combined
How Kettering's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
Traffic Fatalities
Source: NHTSA FARS (2023)Fatalities
2
2023
5-Year Avg
1
fatalities/yr
| Year | Crashes | Fatalities | Alcohol | Pedestrian | Cyclist |
|---|---|---|---|---|---|
| 2023 | 2 | 2 | 0 | 0 | 0 |
| 2021 | 1 | 1 | 0 | 0 | 0 |
| 2020 | 1 | 1 | 0 | 0 | 0 |
| 2019 | 2 | 2 | 1 | 0 | 0 |
| 2018 | 1 | 1 | 0 | 0 | 0 |
Data from NHTSA Fatality Analysis Reporting System (FARS). Includes only crashes involving at least one fatality.
Commute data for Kettering, OH covers travel times and transportation modes. 77.7% of workers drive alone, compared to the national average of 78.7%. 11.3% work from home, which is above the OH state average of 8.5%. Public transit is used by 1.4% of commuters, compared to the national average of 0.9%. 7.7% of workers carpool. 1.1% walk to work. In 2023, there were 2 traffic fatalities from 2 fatal crashes.
Internet & Broadband Access
Source: Census ACSBroadband Access
93.3%
of households
Cable / Fiber / DSL
82.6%
of households
No Internet
5.1%
of households
Total Households
26,192
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
96.2%
of households
Smartphone
90.0%
of households
Desktop / Laptop
83.9%
of households
Tablet
64.8%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
16.0¢
per kWh
-13% vs 50,000 - 100,000 avg
Commercial Rate
10.7¢
per kWh
-28% vs 50,000 - 100,000 avg
Industrial Rate
7.1¢
per kWh
-36% vs 50,000 - 100,000 avg
Avg Monthly Bill
$135
residential
-7% vs 50,000 - 100,000 avg
6% below the national average of 17.1¢/kWh
Residential electricity in Ohio averages 16.0¢ per kWh, compared to the national average of 17.1¢. The average monthly electric bill is $135. State-level averages from EIA Electric Sales & Revenue data (2024).
Kettering vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (50,000 - 100,000). Each city represents its state's average rate.
Residential Rate (¢/kWh)
Commercial Rate (¢/kWh)
Industrial Rate (¢/kWh)
Average Monthly Bill
Water Systems
Source: EPA SDWISWater Systems
4
Population Served
233,350
Violations (5yr)
0
| System Name | Type | Source | Pop. Served | Violations |
|---|---|---|---|---|
| MONTGOMERY COUNTY WATER SERVICES 1 PWS | Community | Purchased surface water | 150,207 | 0 |
| MONTGOMERY COUNTY WATER SERVICES 2 PWS | Community | Purchased surface water | 83,033 | 0 |
| EVERGREEN EDGEWOOD MHP PWS | Community | Ground water | 80 | 0 |
| SHERWOOD GROVE MHP | Community | Ground water | 30 | 0 |
93.3% of households in Kettering have broadband internet access. 82.6% have cable, fiber, or DSL service. 8.7% rely solely on cellular data without a wired connection. 5.1% of households have no internet access. 6.5% use only a smartphone without a desktop or laptop. The area is served by 4 water systems, providing water to 233,350 people. No water quality violations have been reported in the past 5 years.
Politics & Government
County-level data: Election results are reported at the county level. Kettering is located in Montgomery County, OH. Results reflect all voters in the county, not just those in Kettering.
Election Overview
Source: Montgomery County (2024)2024 Winner
Democrat
Dem Votes
126,767
49.8%
GOP Votes
125,566
49.3%
Total Votes
254,715
Margin
D+0.5%
Shift from 2020
R+1.8pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 126,767 | 125,566 | 254,715 | 49.8% | 49.3% | D+0.5 |
| 2020 | 135,064 | 129,034 | 268,505 | 50.3% | 48.1% | D+2.2 |
| 2016 | 117,661 | 120,766 | 249,560 | 47.1% | 48.4% | R+1.2 |
In the 2024 presidential election, Montgomery County recorded 254,715 total votes. Democrats won the county with 49.8% of the vote compared to 49.3% for Republicans, a margin of D+0.5%. Compared to 2020, the margin shifted R+1.8pp from the previous election. Since 2016, Montgomery County has shifted 1.7 percentage points toward Democrats.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
106
Total Assets
$117.7M
Total Income
$59.0M
Per 10K Residents
18.5
nonprofits
-60.5% vs peers avg
Orgs with >$1M Assets
8
Median Assets
$177K
Oldest Active
1946
ruling year
Newest Org
2025
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationTop 10 hold $114.6M of $117.7M total
Nonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population 50,000 - 100,000
Largest Nonprofits in Kettering
Source: IRS Exempt Organizations BMFKettering, OH has 106 registered 501(c)(3) nonprofit organizations with combined assets of $117.7M. The most common category is Recreation & Sports, with 15 organizations. 8 nonprofits have assets exceeding $1 million. That works out to 18.5 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1946.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
192
Total Approved
$51.9M
Jobs Supported
1,668
Per 10K Residents
33.4
SBA loans
-42.7% vs peers avg
Unique Lenders
36
Top Lender
The Huntington National Bank
58 loans
Top Industry
Accommodation & Food Services
Data Span
1992–2025
Loan Program Breakdown
Source: SBA FOIALoans
164
Total Amount
$41.1M
Avg Loan
$250,754
Median Loan
$90,000
SBA Guaranteed
$30.3M(74%)
Jobs Supported
1,370
Loans
28
Total Amount
$10.8M
Avg Loan
$384,500
Median Loan
$248,000
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
15
8% of all-time total
Recent Amount
$10.5M
20% of all-time total
Avg Recent Loan
$701,740
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population 50,000 - 100,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Leinster Windows & Doors Inc. | 1 | $4.9M |
| Wd Hhb Cleveland Llc | 1 | $2.5M |
| Gamber Family Dental Inc. | 1 | $2.1M |
| Bigger Road Veterinary Hospital Inc. | 1 | $2.0M |
| Eudora Brewing Company Llc | 4 | $1.9M |
| Mound Laser & Photonics Center, Inc. | 1 | $1.5M |
| Sw3 Llc | 1 | $1.1M |
| Counter-advice Inc | 2 | $1.1M |
| Forrer Pointe Car Wash | 1 | $1.1M |
| Detmer Business Group Inc. | 2 | $1.0M |
Kettering, OH has received 192 SBA loans totaling $51.9M in approved funding between 1992 and 2025. The 7(a) program accounts for 164 loans (85% of the total), supporting 1,370 jobs. The 504 program, focused on real estate and large equipment, has funded 28 loans totaling $10.8M. The most common industry receiving SBA funding is Accommodation & Food Services. The most active SBA lender in Kettering is The Huntington National Bank with 58 loans. That works out to 33.4 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
29
Total Population
438,908
Avg Median Income
-$91,889,910
Avg Home Value
-$91,799,282
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 45301 | 201 | $112,733 | $115,100 | N/A | 0.1 |
| 45305 | 11,597 | $119,129 | $314,500 | $1,241 | 13.8 |
| 45342 | 36,675 | $83,936 | $206,800 | $1,247 | 34.3 |
| 45370 | 2,732 | $105,625 | $318,500 | $937 | 16.7 |
| 45402 | 9,964 | $45,386 | $105,900 | $921 | 4.4 |
| 45403 | 13,831 | $36,250 | $73,900 | $742 | 3.1 |
| 45404 | 10,762 | $35,286 | $82,400 | $871 | 7.6 |
| 45405 | 19,322 | $41,901 | $74,100 | $858 | 4.0 |
| 45406 | 20,261 | $43,241 | $82,300 | $879 | 5.0 |
| 45409 | 15,677 | $84,000 | $230,800 | $1,055 | 3.7 |
| 45410 | 15,617 | $46,766 | $97,800 | $950 | 2.4 |
| 45416 | 5,353 | $45,710 | $76,000 | $1,123 | 1.9 |
| 45417 | 28,161 | $35,027 | $73,000 | $861 | 32.2 |
| 45419 | 16,583 | $85,876 | $237,700 | $1,006 | 3.7 |
| 45420 | 23,956 | $56,670 | $116,200 | $918 | 6.4 |
| 45423 | 0 | N/A | N/A | N/A | 0.0 |
| 45428 | 274 | N/A | N/A | N/A | 0.5 |
| 45429 | 26,510 | $77,291 | $221,200 | $1,007 | 9.9 |
| 45430 | 7,171 | $107,500 | $261,700 | $1,264 | 4.8 |
| 45431 | 26,961 | $80,058 | $197,600 | $1,302 | 11.7 |
| 45432 | 14,988 | $83,323 | $181,900 | $871 | 7.1 |
| 45434 | 12,482 | $142,260 | $290,500 | $1,442 | 10.4 |
| 45435 | 154 | N/A | N/A | N/A | 0.2 |
| 45439 | 12,246 | $47,788 | $120,100 | $1,001 | 7.8 |
| 45440 | 22,730 | $83,378 | $248,200 | $1,122 | 9.2 |
| 45449 | 18,627 | $60,303 | $147,700 | $984 | 6.8 |
| 45458 | 37,413 | $110,682 | $337,500 | $1,286 | 19.9 |
| 45459 | 28,454 | $89,144 | $276,100 | $1,187 | 14.2 |
| 45469 | 206 | N/A | N/A | N/A | 0.0 |
Kettering, OH has 29 ZIP codes with a combined population of 438,908. The average median household income across all ZIP codes is -$91,889,910. The average median home value is -$91,799,282. The average median monthly rent is -$114,941,664.
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