The $899 Homewood ad requires a larger cash plan
The Homewood Avenue ad, checked October 18, 2026, describes a first-floor two-bedroom with an $899 rent and deposit. Its title says 519 Homewood #521; its description says 521 Homewood. Confirm the unit before sending documents or money. This is an advertised example, not a verified vacancy or neighborhood average.
Scroll the table sideways to see every column.
| Item | Amount | What remains to check |
|---|---|---|
| First month’s rent | $899 | The actual start date and any prorated amount. |
| Deposit | $899 | The written deposit terms and authorized recipient. |
| Application fee | $50 | The ad charges per adult; ask when it is due and whether it is refundable. |
| Subtotal | $1,848 | Before utilities, insurance, moving costs or any approved pet charges. |
The description puts utilities on the tenant, requires renters insurance and offers basement laundry hookups. It also allows some small pets while the summary says no pets. Get the unit’s written policy and confirm whether machines are supplied. Those details can change both the initial cash needed and the cost of living there.
Use the same questions for a different Homewood rental. A whole house and one floor of a divided house may have different heating, entrances and shared spaces even when their bedroom counts match.
Route 12: a short ride with a costly missed departure
The Route 12 schedule checked October 18 uses the September 6, 2026 timetable. These are weekday northbound trips from downtown toward Forest at Shaw. They do not estimate a southbound commute to work.
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| Leave Wright Stop Plaza | Reach Forest at Shaw | Ride time |
|---|---|---|
| 6:40 a.m. | 6:46 a.m. | 6 minutes |
| 7:25 a.m. | 7:31 a.m. | 6 minutes |
| 8:10 a.m. | 8:16 a.m. | 6 minutes |
Those departures are 45 minutes apart. If you reach the plaza just after the 6:40 bus, the next listed trip reaches Forest at Shaw at 7:31. This small sample does not describe the frequency all day or on weekends.
How long is your trip, door to door?
Only the 6-minute northbound ride comes from the timetable above. The walking and waiting inputs are hypothetical. Check the southbound schedule separately for a trip toward downtown.
One way, door to door
31 minutes
25 minutes are outside the train or bus.
Home to stop or platform: 8 min
Wait / arrival buffer: 10 min
On the train or bus: 6 min
Stop or platform to destination: 7 min
3h 6m per week for 3 round-trip days, assuming the return journey takes the same time.
Include stairs, transfers and station exits. This calculator doesn’t check live service. Your entries aren’t saved or sent.
For rentals near Main, compare Route 7 at Main and Helena. Its route also lists Eastown Hub and Meijer at State Route 48. Which route helps depends on your destination, the direction and the walk from the apartment—not just distance to downtown.
Start with your hardest journey: the last shift home, a weekend start or a transfer to a suburban job. Check that trip in the operator’s planner before judging the apartment by the six-minute segment. Confirm stop and sidewalk access for any mobility needs.
Forest, Main and Homewood offer different starting points
The city’s Five Oaks map shows the neighborhood and its historic-district overlays. They are different outlines; ZIP code 45405 is not a substitute for either. Place the rental address on that map before borrowing amenities from a broad Dayton search result.

The 600 block of Forest Avenue in September 2011. This dated street view shows the porches and steps; it does not establish present condition or rental availability.
Photographed September 24, 2011. Nyttend / Wikimedia Commons · Public domain. Resized and converted to WebP; framing unchanged.
Forest Avenue and Shaw Avenue
Route 12 names this timetable point. Start here when that route fits your work or school trip.
- What changes the decision
- The departure gaps can matter more than the short ride downtown.
- Try it on a visit
- Walk between the apartment and the stop on the side needed for your trip.
Read all three locations together
Forest Avenue and Shaw Avenue
Route 12 names this timetable point. Start here when that route fits your work or school trip. The departure gaps can matter more than the short ride downtown.
On a visit: Walk between the apartment and the stop on the side needed for your trip. RTA Route 12 schedule.
North Main Street and Helena Street
Route 7 offers a different corridor to compare for an address nearer Main. A useful route still needs a workable crossing and walk from your door.
On a visit: Compare the same departure time and destination on Routes 7 and 12. RTA Route 7 schedule.
Homewood Avenue around Forest Avenue
The dated ad above gives a concrete example of renting one floor of a house in this search area. The street address may cover more than one unit; shared facilities need their own terms.
On a visit: Match the entrance, unit number and basement access to the proposed lease. Dayton neighborhood map.
A downtown apartment and a Five Oaks apartment may both suit a downtown job, but they place the walk and bus wait in different parts of the day. Compare the full journey and the written bills for two actual units. Citywide or mixed-bedroom rent figures cannot tell you which will cost less.
Separate the cash to move from the cost to stay
The Homewood subtotal is money needed near the start of a tenancy. It is not a monthly budget. Keep deposits separate from ongoing rent and bills, and allow for buying laundry equipment if the lease supplies only hookups.
The editable comparison below uses hypothetical apartments, not the Homewood offer: A totals $1,370 a month; B totals $1,260. B’s higher rent is offset by lower assumed utilities and travel, saving $110 monthly. Replace the figures with bills and journeys for your own pair of units.
Put two apartments side by side
These are made-up starting amounts. Enter your own costs, use 0 for anything that doesn’t apply, and leave unknowns blank.
Apartment A
- Recurring monthly total
- $1,370.00
- First-year cost, excluding refundable deposit
- $16,740.00
- First-month cash, including deposit and one-time costs
- $2,570.00
Apartment B
- Recurring monthly total
- $1,260.00
- First-year cost, excluding refundable deposit
- $15,420.00
- First-month cash, including deposit and one-time costs
- $2,610.00
Apartment B costs $1,320.00 less over 12 months, excluding refundable deposits.
Totals assume 12 months at the same costs, with the refundable deposit kept separate. If you have rental assistance, enter your confirmed household payment and expected utility bills. Your agency’s utility allowance is a separate calculation. Check fee rules before including a charge.
The calculator does not save or send the amounts you enter.
Before estimating utilities, identify the heating fuel and which meters serve your unit. Ask for past usage without the previous tenant’s personal details. If you use rental assistance, enter the payment your agency confirms and the bills still payable by you. The move-in assistance guide covers possible help with the separate initial cash requirement.
Gem City Market and the parks need their own routes
Gem City Market is at 324 Salem Avenue, outside Five Oaks. You do not have to buy a co-op membership to shop: the market’s FAQ explicitly welcomes nonmembers. Compare prices for your regular groceries and the trip home with bags, rather than treating a nearby store as automatically walkable from every rental.
Five Oaks Park is the neighborhood option; the city’s reservation listing places it at Five Oaks Avenue and Squirrel Road. Check current facilities if a particular amenity matters to you.

The Gayle B. Price Jr. suspension bridge near Island MetroPark, east of Five Oaks. This is a nearby river destination, not a street within the neighborhood; check current park access before setting out.
Photographed June 17, 2013. Art Anderson / Wikimedia Commons · CC BY-SA 3.0. Resized for display; framing unchanged.
Island MetroPark, at 101 East Helena Street, is a separate river outing east of the neighborhood. The 2013 bridge photograph shows that nearby destination, not a Five Oaks residential street. Trace the route to a park entrance before counting river access as part of a daily walk or bike ride.
A renter’s satisfaction and a former resident’s skepticism
A May 2024 discussion about Five Oaks includes a renter who had just attended a neighborhood party:
“We’re renting and have been there about a year and a half.”
The writer went on to say they liked living there. Another participant challenged the recurring promise that the neighborhood was improving:
“They have said it was up and coming since they blocked off the street.”
That second writer said they had lived there for thirty years and left ten years before posting. The accounts speak to different periods and experiences. Neither establishes current crime levels or predicts your relationship with neighbors. They are public forum posts, not VoucherMatch interviews; the writers’ residency has not been independently verified.
Claims about future improvements deserve the same care. Five Oaks appears among the focus areas in Dayton’s Recovery Plan demolition information. That does not establish a project at your prospective address. Ask for the exact site and current status of any work the landlord mentions, then judge the rental using the services available today.
Look up the unit before relying on fresh paint
Dayton’s Housing and Inspections page links to the Housing Tracker and explains how to ask about open violations. Search the full address, with the unit number available. Distinguish a closed case from an open issue, and ask the city about an unclear match.
Bring relevant findings to the viewing. Ask the owner what was repaired and how completion was documented. See the basement if you would use it for laundry; try doors, windows and heating controls. Identify the person who handles urgent repair calls. An empty search result does not certify the apartment’s condition.
For a divided Homewood property, the apartment you saw, the unit on the lease and the payment recipient must match. Establish who is authorized to rent it before paying. A housing agency’s required inspection or approval is a separate step for an assisted tenancy.
GDPM has separate voucher and agency-owned housing paths
Greater Dayton Premier Management’s voucher program supports eligible private-market tenancies. Its agency-owned housing program has a separate application path. Use the instructions for the program you need and confirm its current application status.
With a voucher, ask GDPM about the proposed rent, bedroom size and utility responsibilities for the actual unit. An ad welcoming Section 8 does not establish agency approval. Without a portable voucher, read the guide to other affordable-housing applications.
VoucherMatch’s Dayton housing page covers the city. It does not offer a dedicated Five Oaks inventory filter. Check each address on the neighborhood map before arranging a viewing.
Explore Dayton-wide housing options or create a tenant account. An account neither reserves a rental nor applies to GDPM.
How this guide was checked
Reviewed October 18, 2026 using Dayton maps and housing records guidance, transit schedules, an advertisement, local operators and public discussions. Prepared with AI assistance and checked against the linked sources; no reporting visit or apartment inspection was conducted. The Forest Avenue and bridge photographs are dated 2011 and 2013. Recheck rental terms and the timetable before planning a move.