HomeOhioMontgomery CountyKettering
Kettering, Ohio: commercial real estate data.
Kettering is a Census city of 57,206 people across 18.71 square miles of land, in Montgomery County. Median household income is $74,681, 64.9 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $13.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kettering
What Kettering is
- Census place typecity
- Land area18.71 sq mi
- Water area0.03 sq mi
- Population per square mile of land3,057
- County holding the largest share of its areaMontgomery County, 98.8 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kettering
How many people live in Kettering
- Population57,206
- Median age38.5
- Population under 1811,956
- Share under 1820.9 percent
- Population 65 and over11,256
- Share 65 and over19.7 percent
- Households25,987
- Family households15,033
- Share of households that are families57.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kettering
Income and work in Kettering
- Median household income$74,681
- Per capita income$43,234
- Civilian labor force30,677
- Employed29,500
- Unemployed1,177
- Unemployment rate3.8 percent
- Adults 25 and over40,623
- Adults 25 and over with a high school diploma or higher95.3 percent
- Adults 25 and over with a bachelor degree or higher41.7 percent
- Adults 25 and over with a graduate degree16.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kettering
Housing in Kettering
- Housing units27,191
- Occupied units25,987
- Vacant units1,204
- Vacancy rate4.4 percent
- Owner occupied16,864
- Renter occupied9,123
- Ownership rate64.9 percent
- Median owner-occupied home value$208,500
- Median gross rent, monthly$1,051
- Annual rent as a share of median income16.9 percent
- Single family units19,926
- Share single family73.3 percent
- Units in buildings of two or more7,153
- Share in buildings of two or more26.3 percent
- Mobile homes98 plus or minus 94
- Median year structure built1961
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kettering
How Kettering gets to work
- Workers 16 and over who commute25,534
- Commuting under 15 minutes8,493
- Share commuting under 15 minutes33.3 percent
- Commuting 30 minutes or more4,779
- Share commuting 30 minutes or more18.7 percent
- Drove alone76.3 percent
- Carpooled8.2 percent
- Public transport0.9 percent plus or minus 0.6
- Walked1.2 percent plus or minus 0.5
- Worked from home12.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kettering
SBA loans in Kettering (7(a))
- Approvals18
- Gross approval$13,530,600
- Average approval$751,700
- Median approval$71,800
- Largest approval$4,942,800
- Jobs supported235
- Jobs per approval13.1
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises27.8 percent
- Distinct lenders8
- Distinct industries by NAICS13
Counted by borrower city: approvals to borrowers whose address is in Kettering, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kettering
SBA loans in Kettering (504)
- Approvals12
- Gross approval$5,312,000
- Average approval$442,667
- Median approval$360,000
- Largest approval$1,502,000
- Jobs supported103
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Kettering, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kettering
Flood risk in Kettering
- NFIP communityCity of Kettering
- NFIP community number390412
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date10/27/22
The City of Kettering participates in the National Flood Insurance Program as community 390412 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Montgomery County, not Kettering
Montgomery County context, not Kettering figures
- Establishments in Montgomery County10,930
- Covered employment, Montgomery County250,085
- Average annual pay, Montgomery County$61,439
- Housing units permitted, Montgomery County933
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Kettering.
All Montgomery County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Kettering questions, answered from the record.
How many people live in Kettering, Ohio?
57,206, in 25,987 households. Kettering city covers 18.71 square miles of land, which is 3,057 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Kettering in?
Montgomery County, which holds 98.8 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Kettering?
$74,681. The median owner-occupied home is valued at $208,500. Median gross rent is $1,051 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Kettering businesses?
18 7(a) approvals totaling $13.5 m since FY2020, across 8 lenders, median approval $71,800, plus 12 504 approvals worth $5.3 m since FY2010. These count approvals to borrowers whose address is in Kettering, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Kettering borrowers get paid back?
No rate is published for Kettering. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Kettering in the National Flood Insurance Program?
Yes. Kettering appears in the FEMA Community Status Book as Kettering, city of, community 390412, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Kettering figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Kettering.
Is zoning published for Kettering?
No. Nothing on this page presents parcel level zoning.
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