With a median home value of $279,600 against a median household income of $110,088, housing takes a large share of budgets in Beavercreek. A personal loan can cover a one-time cost if its total cost is lower than your alternatives. Compare APR, fees and term in writing, and verify the lender's license.
On this page
- Local snapshot
- Paychecks in Beavercreek
- Beavercreek households and housing
- Jobs data for the Beavercreek area
- Budget math at the median in Beavercreek
- Borrowing takeaways for Beavercreek
- Comparing Beavercreek with its peers
- Nearby places compared with Beavercreek
- Local background
- One common Beavercreek case
- Steps to take first in Beavercreek
- More nearby
- Frequently asked questions
Local snapshot
These are Census Bureau estimates (ACS, 2020 to 2024) for the city of Beavercreek, Ohio. A place average is context, while your finances are what a lender reads.
Paychecks in Beavercreek
The Census Bureau's industry counts show where Beavercreek residents earn a living: education and health care employs 23% of workers, professional, scientific and administrative services 16% and public administration 11%. Relative to the rest of our U.S. city set, Beavercreek is heavier in public administration (11% against 4%). If your pay varies from month to month, plan the payment around the leaner months and keep a small buffer.
At the top of the scale, 17% of Beavercreek households earn $200,000 or more; at the bottom, 11% earn under $35,000. Our U.S. city median is 39% at $100,000 or more and 20% under $35,000. The Gini index for the area is 0.36, on a scale where higher means a wider gap. Two neighbors can sit at opposite ends of this scale, which is why lenders ask for your numbers rather than your ZIP code.
Beavercreek households and housing
Beavercreek has a median age of 40.5 and a bachelor's-or-higher rate of 52% among adults 25 and older. Next to the median place in our set (37.2 years; 37% with a degree), Beavercreek is older, with schooling above the middle.
Homes in Beavercreek are 71% single-family detached, 18% in buildings of five or more units and 0% mobile or manufactured. The median place in our U.S. city set is 61% detached and 22% multifamily. Match the loan amount to a written estimate or quote rather than to what a lender is willing to offer.
Jobs data for the Beavercreek area
For September 2026, the BLS county estimate of unemployment in Greene County is 3.4% (not seasonally adjusted, preliminary), down 0.7 points from 4.1% a year earlier. Averaged across 2020 to 2024, the ACS shows 3.6% for Beavercreek proper.
Budget math at the median in Beavercreek
Try the arithmetic at the median. $110,088 a year is about $9,174 a month before taxes in Beavercreek. Median rent of $1,457 is 16% of it, and the usual 30% yardstick would be about $2,752. A widely cited debt-to-income benchmark is 36%, which at the median would be about $3,303 a month for all debts together, rent or mortgage included. Lenders set their own limits. The price-to-income ratio for housing is roughly 2.5. The median is a reference point only; your own gross income and debts are what count.
Borrowing takeaways for Beavercreek
Renters in Beavercreek are less cost-burdened than in most of the 784 U.S. city places we cover, with 35% paying 30 percent or more of income on rent. If you are borrowing to consolidate, this is the kind of room that lets you pay a loan off faster.
Only 16% of Beavercreek homeowners with a mortgage spend 30 percent or more of income on housing, in the lower third of the 784 U.S. city places in our set. That breathing room is useful if you want to pay a personal loan off early.
The price-to-income ratio in Beavercreek is on the lower side (about 2.5, from a median home value of $279,600 and a median household income of $110,088). Lower housing pressure often leaves more cash flow for debt payments.
Comparing Beavercreek with its peers
Out of 784 U.S. city places in the data, Beavercreek lands with a median household income of $110,088 (163rd of 784, top down), a median gross rent of $1,457 (417th of 784, top down), and a median home value of $279,600 (499th of 784, top down). Rankings shift with every Census release.
Nearby in size, and also in Ohio, are Kettering ($74,681 income, $1,051 rent), where Beavercreek runs 47% above on income and 39% above on rent and Dayton ($45,247 income, $918 rent), where Beavercreek runs 143% above on income and 59% above on rent. Differences like these are why a loan that suits one town can strain another.
Nearby places compared with Beavercreek
Distances are straight-line from the center of Beavercreek. The last column shows how each place's median rent differs from Beavercreek's $1,457.
| Place | Distance | Population | Household income (median) | Rent (median) | Rent vs Beavercreek |
|---|---|---|---|---|---|
| Riverside | 5 mi | 24,435 | $61,352 | $1,050 | -$407 |
| Fairborn | 5 mi | 34,534 | $61,751 | $977 | -$480 |
| Kettering | 5 mi | 57,206 | $74,681 | $1,051 | -$406 |
| Oakwood | 6 mi | 9,458 | $156,667 | $1,416 | -$41 |
| Bellbrook | 7 mi | 7,394 | $111,513 | $1,346 | -$111 |
| Xenia | 7 mi | 25,689 | $56,029 | $931 | -$526 |
| Centerville | 8 mi | 25,205 | $85,492 | $1,270 | -$187 |
| Dayton | 8 mi | 136,579 | $45,247 | $918 | -$539 |
2 of these 8 places have a higher median household income than Beavercreek, and 8 have lower median rent. Rent runs from $918 in Dayton to $1,416 in Oakwood, and the highest median income nearby is $156,667 in Oakwood. If a move is part of the reason for borrowing, compare the rent gap with the loan payment before you sign.
Local background
Beavercreek is a Greene County city east of Dayton next to Wright-Patterson Air Force Base. Defense contractors, base civilian jobs and retail at The Greene shape the local economy.
One common Beavercreek case
Households tied to the nearby installation often need money fast for a permanent change of station: deposits, travel and overlapping rent. Ask your command financial counselor about no-cost help, and compare any loan with it.
Steps to take first in Beavercreek
- Look the lender up with your state's financial regulator, and know that the CFPB takes complaints too.
- Keep every document in one folder: disclosure, agreement, payment confirmations.
- Ask about early payoff. Most personal loans have no penalty, but confirm in writing.
- Run the offer checklist before you sign.
- Check the payment against Beavercreek rent or mortgage in the DTI calculator before applying anywhere.
More nearby
Frequently asked questions
Rent already eats a big share of my Beavercreek paycheck. Should I borrow?
Only if the loan cuts what you pay overall, such as consolidating costly card balances, and the payment still fits after rent. 35% of Beavercreek renters are past the 30 percent mark, so plan for a lean month first.
Do military moves or deployments change how I should borrow in Beavercreek?
They can. Ask any lender in writing how it treats active-duty borrowers, check your command's financial counselors for free help, and compare a loan against assistance programs before you borrow.
Does living in Beavercreek change what I qualify for?
No. Everyone answers the same questions and is screened on the same objective points: amount, credit range, income and payments. Lenders make their own decisions under fair-lending law.
Who handles lender complaints for Beavercreek residents?
Keep the paperwork, then contact the Ohio agency that licenses lenders; the CFPB portal accepts complaints about any lender nationwide, and the FTC wants to hear about fee-first offers.