The typical owner-occupied home in Beavercreek is worth about $664,300, 39% above the Oregon median of $477,600 and 100% above the national median of $332,700. Owners pay a median $4,253 a year in property taxes, about 0.64% of their home's value, lower than the Oregon rate of 0.81%. The median household earns $135,032 a year, so the median home costs 4.9 times the median income (5.8 times for Oregon). 91% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
Beavercreek at a glance
| Beavercreek | Oregon | U.S. | |
|---|---|---|---|
| Median home value | $664,300 | $477,600 | $332,700 |
| Median property tax paid per year | $4,253 | $3,876 | $3,119 |
| Property tax as a share of value | 0.64% | 0.81% | 0.94% |
| Median household income | $135,032 | $83,011 | $80,734 |
| Homes lived in by their owners | 91% | 63% | 65% |
| Owner homes with a mortgage | 61% | 65% | 61% |
| Median monthly costs, owners with a mortgage | $2,741 | $2,157 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 22.4% | 21.0% |
| Median rent | $1,407 | $1,525 | $1,413 |
| Rent as a share of renters' income | 37.1% | 31.3% | 30.6% |
| Median year homes were built | 1977 | 1981 | 1980 |
| Vacant homes | 2.3% | 7.5% | 10.1% |
| Population | 4,894 | 4,254,293 | 334,922,499 |
What a typical home costs per month in Beavercreek
At this week's average 30-year rate of 7.11%, buying the median Beavercreek home of $664,300 with 20% down costs about $4,206 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,313, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $180,262 for the 20%-down payment. That payment is 37% of the median Beavercreek household income of $135,032; at that income and 20% down, the 28% guideline points to a home of about $498,000.
The median rent here is $1,407 a month, so owning the median home costs about $2,799 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $132,860 |
|---|---|
| Loan amount | $531,440 |
| Principal and interest | $3,575 |
| Property taxes (0.64% a year) | $354 |
| Homeowners insurance (our estimate, 0.5% a year) | $277 |
| PMI | $0 |
| Total per month | $4,206 |
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| Down payment | $23,250 |
|---|---|
| Loan amount | $652,268 |
| Principal and interest | $4,388 |
| Property taxes (0.64% a year) | $354 |
| Homeowners insurance (our estimate, 0.5% a year) | $277 |
| FHA mortgage insurance | $294 |
| Total per month | $5,313 |
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Questions about home buying in Beavercreek
What is the median home value in Beavercreek?
About $664,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Beavercreek?
Homeowners pay a median $4,253 a year, which is about 0.64% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Beavercreek?
For the median home with 20% down at 7.11%, the payment is about $4,206 a month. Keeping that under 28% of gross income takes about $180,262 a year.
More about Beavercreek
- Mortgage Refinance in Beavercreek
- Debt Relief in Beavercreek
- Home Equity Loans in Beavercreek
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data