Kettering: Economy & Jobs
Median household income in Kettering is $74,681 (1.1× higher than Montgomery County median $66,139; about the same as Ohio median $71,389), with homes at a median value of $208,500. The surrounding county supports 80,197 jobs (avg $72,302).
- $84,512 avg taxable income per return — similar than the median household income (vs Ohio $78,408).
Income & Affordability
Median household income $74,681 — above the Ohio median ($66,082). Poverty rate 8.3% (U.S. average ~12.5%). 37% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 2.8× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 15.8% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 36.8% |
| Affordability · Poverty Rate | 8.3% |
| Affordability · Property Tax Pct Income | 5.1% |
| Irs Income · IRS tax returns filed | $80,440 |
| Irs Income · Total Adjusted Gross Income (thousands) | $6,798,122 |
| Irs Income · Average AGI per return | $84,512 (vs Ohio $78,408) |
| Irs Income · Year | 2022 |
| Income Estimate | $81,611 |
| Median Household Income | $74,681 (vs Ohio $66,082) |
| Poverty Rate | 8.3% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | white_collar |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | middle-class |
| Economic Character · Median Income | $74,681 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 2.5% — below the U.S. average of ~4%. 13% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 20.30 |
|---|---|
| Commuter Profile · Work From Home Pct | 12.6% |
| Commuter Profile · Profile | short commute |
| Employment · Avg annual employment (county) | 80,197 |
| Employment · Total annual wages (county) | $5,798,356,661 |
| Employment · Average annual pay | $72,302 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 5,469,160 |
| Unemployment Rate | 2.5% (vs Ohio 3.4%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 766 |
|---|---|
| Agriculture · Land In Farms Acres | 35,530 |
| Agriculture · Avg Farm Size Acres | 46.40 |
| Agriculture · Top Commodities | Crop Totals, Grain, Corn, Soybeans, Animal Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 3,261 |
| Business Patterns · Total Employees | 56,027 |
| Business Patterns · Annual Payroll Thousands | 2,913,315 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 19 |
|---|---|
| Local Businesses · Convenience Stores | 16 |
| Local Businesses · Liquor Stores | 9 |
| Local Businesses · Gas Stations | 47 |
| Local Businesses · Department Stores | 4 |
| Local Businesses · General Merchandise | 21 |
| Local Businesses · Clothing Stores | 23 |
| Local Businesses · Pet Stores | 11 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 118 |
|---|---|
| Dining Scene · Fast Food | 157 |
| Dining Scene · Bars | 14 |
| Dining Scene · Coffee Snacks | 39 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (7)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (5)
| Nearest Snap · Name | ALDI 61077 61077 |
|---|---|
| Nearest Snap · Total In Area | 12 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | INDIAN AMERICAN CHAMBER OF COMMERCE OF GREATER CINCINNATI & N KY |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $3,149,405,455 |
|---|---|
| Federal Spending · Per Capita | 18,750.26 (vs Ohio $6,792) |
| Federal Spending · Population | 167,966 people (vs Ohio 29,269) |
Sources: USAspending API
Other
| Pct Drove Alone | 76.3% |
|---|---|
| Pct Public Transit | 1.2% |
| Pct Walked | 12.6% |
| Retirement Score · Median age | 38.5 years (vs Ohio 38.1y) |
| Retirement Score · Ss Household Pct | 31.7% |
| Retirement Score · Hospitals Nearby | 3 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | strong SS base, hospital access, VA nearby |
| Retirement Score · Rating | good |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12