The share of home-purchase mortgage borrowers who were under 35, Dayton metro, the eight Miami Valley counties and Ohio, by year.
Dayton metro: 44.8% in 2025. Change from 2024: +0.4 pts.
Next update: 2026 figures, expected around Jul 19, 2027.
What this means
The Dayton metro figure, 44.8%, was 0.4 points higher than in 2024 (44.4%). It’s 0.6 points below Ohio (45.4%). Among the 9 areas on this page, Dayton metro is 5th highest.
How Dayton compares
| Dayton metro | 44.8% | |
|---|---|---|
| Ohio | 45.4% | |
| Darke County | 55.8% | |
| Preble County | 51.6% | |
| Miami County | 46.3% | |
| Montgomery County | 45.4% | |
| Clark County | 42.7% | |
| Butler County | 42.5% | |
| Greene County | 42.1% | |
| Warren County | 35.8% |
| 2025 | 2024 | Change | |
|---|---|---|---|
| Dayton metro | 44.8% | 44.4% | +0.4 pts |
| Montgomery County | 45.4% | 45.9% | −0.5 pts |
| Greene County | 42.1% | 41.1% | +1.0 pts |
| Miami County | 46.3% | 42.8% | +3.5 pts |
| Warren County | 35.8% | 35.1% | +0.7 pts |
| Butler County | 42.5% | 42.7% | −0.2 pts |
| Clark County | 42.7% | 43.9% | −1.2 pts |
| Preble County | 51.6% | 44.5% | +7.1 pts |
| Darke County | 55.8% | 53.0% | +2.8 pts |
| Ohio | 45.4% | 45.2% | +0.2 pts |
| 2025 | Borrowers under 35 | Median age bracket | Home-purchase loans | With a co-applicant |
|---|---|---|---|---|
| Dayton metro | 44.8% | 35 to 44 | 9,108 | 42% |
| Montgomery County | 45.4% | 35 to 44 | 5,753 | 39% |
| Greene County | 42.1% | 35 to 44 | 2,028 | 50% |
| Miami County | 46.3% | 35 to 44 | 1,327 | 46% |
| Warren County | 35.8% | 35 to 44 | 3,205 | 50% |
| Butler County | 42.5% | 35 to 44 | 3,955 | 44% |
| Clark County | 42.7% | 35 to 44 | 1,414 | 37% |
| Preble County | 51.6% | 25 to 34 | 415 | 46% |
| Darke County | 55.8% | 25 to 34 | 466 | 45% |
| Ohio | 45.4% | 35 to 44 | 113,425 | 42% |
Common questions
What is the latest figure for home buyers under 35 in Dayton?
Dayton metro: 44.8% in 2025, from the Federal Financial Institutions Examination Council (HMDA).
How has the figure for home buyers under 35 in Dayton changed over the past year?
It was 44.8% in 2025, against 44.4% in 2024 (+0.4 pts).
How does Dayton compare with Ohio on home buyers under 35?
Dayton metro: 44.8%; Ohio: 45.4% (2025).
Related data
- Mortgage payment as a share of income
- Homes bought by companies
- Homes bought by out-of-state owners
- Homeownership rate
- Homeownership, ages 25 to 34
About this data
From the public Home Mortgage Disclosure Act records lenders file with federal regulators: mortgages actually made (originated) to buy a home, first liens on a home the borrower will live in, leaving out reverse mortgages and business loans. The share is of borrowers whose age was reported, by the age of the primary applicant in HMDA's brackets (under 25, 25 to 34 and so on); many loans also have a co-applicant, whose age isn't counted here. This is the age of home-purchase borrowers, not of first-time buyers: cash purchases aren't in HMDA, and repeat buyers are. The Dayton metro is the sum of Montgomery, Greene and Miami counties. A county year with fewer than 100 loans isn't shown. The U.S., state and other metro figures are tallied the same way from every state's HMDA file for the same year; metro areas are the Census Bureau's 2023 metropolitan statistical areas, built from their counties.
Source: Federal Financial Institutions Examination Council (HMDA), Home Mortgage Disclosure Act loan records, home-purchase originations. Updated November 5, 2026, yearly. Download the data (CSV).