1st Advantage MortgageAbout 68% of Greene County homes are owner-occupied, and the median household income is $87,309. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Greene County, OH: the basics
- Renting and owning in Greene County
- Paychecks and income spread in Greene County
- Employment and commuting in Greene County
- Neighboring counties at a glance
- Towns and communities in Greene County
- Debt-to-income at Greene County's medians
- Reading the Greene County data as a borrower
- Greene County residents: age, schooling, coverage
- Who licenses lenders for Greene County residents
- Four steps for Greene County borrowers
- Related local guides
- Frequently asked questions
Greene County, OH: the basics
Roughly 169,688 residents live in Greene County, Ohio, 18th by population among the state's 88 counties and county equivalents. It covers 414 square miles of land, or about 410 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Dayton-Kettering-Beavercreek, OH metropolitan area. Of the 13 Census places inside Greene County, Beavercreek leads by population with about 47,126; 10 of the 13 are incorporated.
Renting and owning in Greene County
Renters in Greene County pay a median of $1,135 a month, 10% above the Ohio figure of $1,034. 41% of renting households spend 30% or more of income on rent, and 18% spend half or more. With a median value of $252,200, a typical Greene County house costs 2.9 times what the median household earns in a year. Owners occupy 68% of homes.
| Cost | Greene County | Ohio figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,135/mo | $1,034/mo | $877/mo |
| Median home value | $252,200 | $214,800 | $185,300 |
| Owners | 68% | 67% | 75% |
| Rent-burdened renters | 41% | 46% | 45% |
| Burdened owners | 17% | 21% | n/a |
| Vacant units | 6% | 8% | n/a |
Paychecks and income spread in Greene County
Greene County households have a median income of $87,309 (ACS 2020 to 2024), which ranks 7th of 88 in Ohio.
| Income band | Share in Greene County | Difference from Ohio |
|---|---|---|
| Under $35,000 | 18.1% | -5.7 pts |
| $35,000 to $99,999 | 37.6% | -4.0 pts |
| $100,000 to $199,999 | 31.2% | +5.7 pts |
| $200,000 or more | 13.0% | +3.9 pts |
The spread is wide: 44% of Greene County households make $100,000 or more, and 18% make less than $35,000. Census counts 9.8% of Greene County residents in poverty, against 13.3% across Ohio. Income inequality, measured by the Gini index, comes to 0.427 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Greene County median.
Employment and commuting in Greene County
The biggest employer of Greene County residents, by industry, is education and health care at 25% of workers, followed by professional and administrative services (13%). The sharpest difference from the state is in public administration, at 10% locally and 4% for Ohio. Averaged over the five survey years, 4.3% of the labor force was out of work and looking. About 76% drive to work alone and 9% have trips of 45 minutes or more. 4.4% of households have no vehicle.
| Sector | Greene County | Compared with Ohio |
|---|---|---|
| Education and health care | 25.5% | +1.2 pts |
| Professional and administrative services | 12.8% | +2.6 pts |
| Manufacturing | 10.8% | -3.9 pts |
| Retail trade | 10.4% | -0.8 pts |
| Public administration | 9.8% | +5.8 pts |
| Arts, lodging and food service | 8.2% | -0.1 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Neighboring counties at a glance
Six nearby counties, 17 to 30 miles away by the straight-line distance between their centers. Income ranges from $63,132 in Clark County to $110,132 in Warren County; 1 of these neighbors top Greene County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Greene County | - | $87,309 | $1,135/mo | 68% |
| Clark County, OH | 17 mi | $63,132 | $872/mo | 69% |
| Clinton County, OH | 19 mi | $70,407 | $910/mo | 72% |
| Montgomery County, OH | 22 mi | $66,139 | $1,026/mo | 62% |
| Warren County, OH | 23 mi | $110,132 | $1,361/mo | 79% |
| Fayette County, OH | 25 mi | $63,275 | $822/mo | 65% |
| Madison County, OH | 30 mi | $87,045 | $943/mo | 78% |
Towns and communities in Greene County
Here are the 13 most populous of the county's 13 Census places, with income and rent from the same 2020 to 2024 survey. About 78% of Greene County residents live in one of the 13. Bellbrook has the highest median household income on the list ($111,513) and Xenia the lowest ($56,029), counting places with at least 500 residents. Rent is cheapest in Cedarville ($872) and steepest in Beavercreek ($1,457). Names with links open a city guide. The other 12 places are covered here.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Beavercreek | city | 47,126 | $110,088 | $1,457 | 9 mi |
| Fairborn | city | 34,534 | $61,751 | $977 | 10 mi |
| Xenia | city | 25,689 | $56,029 | $931 | 2 mi |
| Bellbrook | city | 7,394 | $111,513 | $1,346 | 11 mi |
| Cedarville | village | 4,070 | $63,750 | $872 | 6 mi |
| Yellow Springs | village | 3,711 | $85,982 | $879 | 8 mi |
| Shawnee Hills | CDP | 2,534 | $108,750 | $1,135 | 6 mi |
| Jamestown | village | 2,229 | $56,667 | $910 | 8 mi |
| Wilberforce | CDP | 1,951 | $67,019 | n/a | 2 mi |
| Wright-Patterson AFB | CDP | 1,508 | $89,615 | $1,422 | 12 mi |
| Spring Valley | village | 575 | $80,000 | $1,125 | 8 mi |
| Bowersville | village | 216 | $72,500 | $929 | 12 mi |
| Clifton | village | 143 | $82,969 | $867 | 8 mi |
Debt-to-income at Greene County's medians
Greene County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Greene County: $7,276
- Housing at the median rent of $1,135 uses 16%
- 43% debt-to-income limit: $1,994 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Greene County's.
Reading the Greene County data as a borrower
Based on the Greene County data above, these borrowing questions are most likely to matter locally.
- Strong incomes, long terms. 44% of Greene County households earn $100,000+. The risk is a term that outlasts the need.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Check your file. An error fixed before you apply can change the offers a Greene County borrower sees (free reports).
Greene County residents: age, schooling, coverage
College graduates make up 42% of the adult population. 4.9% of residents have no health coverage.
| Residents | Greene County | Ohio | Middle U.S. county |
|---|---|---|---|
| Median age | 38.7 | 39.7 | 41.5 |
| Bachelor's or higher | 41.7% | 31.5% | 22.2% |
| No high school diploma | 5.8% | 8.2% | n/a |
| No health insurance | 4.9% | 6.4% | 7.8% |
| No vehicle | 4.4% | 7.5% | 5.4% |
| Work from home | 12.9% | 13.0% | 8.7% |
| Poverty rate | 9.8% | 13.3% | 13.2% |
| Unemployment (ACS) | 4.3% | 4.8% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 29.4% |
| 15 to 29 min | 46.1% |
| 30 to 44 min | 15.7% |
| 45 to 59 min | 4.5% |
| 60+ min | 4.1% |
Who licenses lenders for Greene County residents
Licensing happens at the state level, so a lender working with Greene County borrowers answers to the Ohio Division of Financial Institutions. Federal complaints: consumerfinance.gov. More on Ohio: Ohio personal loans.
Four steps for Greene County borrowers
Quick steps for Greene County:
- Know the exact dollar figure you need before talking to a lender.
- Ask each lender for the APR and all fees in writing.
- Look the lender up with the state regulator first.
- Ask about early-payoff penalties.
Related local guides
More local guides:
Frequently asked questions
Is Greene County a high-income county?
Its $87,309 median ranks 7th of 88 Ohio counties and compares with $65,681 for the median U.S. county.
Is Greene County expensive for renters?
Median rent is $1,135 against $1,034 statewide, and 41% of renter households are cost-burdened.
Does this page cover Beavercreek?
Yes, along with the other 12 Census places in Greene County, such as Fairborn, Xenia, Bellbrook.
Does living in Greene County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Greene County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Greene County check a lender's license?
With the Ohio Division of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.