Tammy, grew up in Dayton, attended the Dayton Public Schools and Graduated Patterson Cooperative High School. She began a graphics presentation company out of high school and understands what it takes for a business to be successful.
Her career in real estate began while living away in Arizona, but it was inevitable that she would return home to the Dayton area. Tammy has now worked in real estate since 2001 and truly enjoys the opportunities (and challenges) that are a part of the real estate markets.
RH2L was established with the passion for service that is an integral and often missing piece to our industry. Tammy works endlessly to ensure that each of the Realtors within RH2L is also dedicated to providing the highest level of professional service to our clients.
RH2L is honored to be the Dayton Area Board of Realtors BROKER / OWNER of the Year! We will continue our excellence in service for those in real estate need.
Welcome to 2219 Bradley Court, a charming brick ranch located on a quiet cul-de-sac in a convenient area of Bellbrook.This home offers a comfortable and inviting layout with a natural flow between the main living spaces.
Welcome to “Warm and Cheerful Centerville,” a property that perfectly blends peaceful living with the convenience of one of Centerville’s most active community districts.Situated on a spacious .63-acre cul-de-sac lot, this charming brick ranch offers privacy, mature trees, and outdoor spaces designed for relaxation.
WELCOME to this beautifully maintained Maronda Homes of Cincinnati build, completed in 2021 and offering over 2,700+ square feet of living space. Located in the highly sought-after Ponde Creek Subdivision and situated on a .312-acre cul-de-sac lot, this home features a flexible layout with 3 bedrooms plus a loft, providing an ideal bonus space for recreation, work, or relaxation.
1 W Main Street, Spring Valley, OHNow Available for Lease – Mixed-Use Living & Business OpportunityImagine the possibilities of being able to LIVE, WORK, and RELAX all in the same space — right in the heart of historic Spring Valley! That’s just one of the many opportunities presented by this beautifully restored two-story brick home, now available for lease.
Charming Brick Ranch in West Carrollton – Estate Pre-Sale OpportunityWelcome to this well-loved 3 bedroom, 2 bath brick ranch offering 1,473 square feet of comfortable living space in a convenient West Carrollton location.Inside, you’ll find a formal living and dining area, a kitchen with an eat-in counter, and a cozy family room with a fireplace (never used).
Two Dwellings with a total of 5,188 sq. ft. - 3 bed/3 bath in Barndominium and 4 bed/1.5 bath in farmhouse on over 9 Acres!! Discover this one-of-a-kind property nestled in the serene countryside of Hillsboro, Ohio. Offering two distinctive dwellings on just over 9 acres, this is the perfect place for anyone seeking a unique blend of charm, space, and modern comfort.
Welcome to low-maintenance living at its finest in this stunning second-level condo in the sought-after Waterside at Settlers Walk! The original owner spared no expense when choosing upgrades in this Fischer Homes Baypoint II floor plan, creating an open and inviting layout perfect for modern living.
Welcome to Wolf Creek Run and this delightful ranch home that is just waiting for YOU! Picture perfect moments await as the open living to kitchen comes complete with a large island that allows for gathering while prepping and staying apart of the activities with friends and family.
Welcome to this beautifully updated two-story home that seamlessly blends modern comfort with timeless design. Situated in a desirable neighborhood, this home offers over 2,000 square feet of thoughtfully designed living space, perfect for today’s lifestyle.
Sales Ease Seasonally While Prices Continue to Rise
As we moved deeper into fall, the Dayton housing market showed a familiar seasonal pattern in November — slower sales activity paired with continued price strength. According to the latest data from Dayton REALTORS®, buyer demand softened modestly, but home values remained firmly on an upward trajectory.
📉 Fewer Sales, Stable Dollar Volume
November recorded 1,049 closed sales, down 6.8% compared to November 2024. Despite fewer transactions, the total dollar volume reached $312 million, essentially flat year-over-year.
This balance between fewer sales and steady volume highlights an important trend: homes are selling for more, even as activity slows.
💰 Prices Continue to Appreciate
Home values remained strong throughout November:
Average sale price: $297,596 (+7.5%)
Median sale price: $259,900 (+4%)
These gains reinforce what we’ve seen all year — Dayton remains a market where homeownership continues to build equity, even amid changing market conditions.
🏠 Inventory Grows, Market Becomes More Balanced
New listings: 1,169 (down 2.7% from last year)
Active inventory: 2,518 homes available
Months of supply:2.4 months, up from 1.9 months last November
While still firmly a seller’s market, the increase in inventory and supply suggests a slight shift toward balance, offering buyers a bit more breathing room than earlier in the year.
What This Means for Buyers & Sellers
Sellers: Prices remain strong, and homes continue to sell close to list price. Proper pricing and presentation still matter greatly.
Buyers: Increased inventory and a more balanced pace provide opportunity — especially for those prepared and working with a local expert.
As we approach the close of 2025, the Dayton market reflects stability, sustainability, and long-term value rather than the extremes seen in recent years.
Gratitude sits at the center of everything we do. We are thankful for:
Our clients, past and present, who become part of our extended RH2L family
Our colleagues and industry partners who share knowledge, integrity, and collaboration
Our local communities throughout the Miami Valley that inspire us daily
The opportunity to serve in leadership, education, and advocacy roles that push our industry forward
Every conversation, referral, review, and handshake reminds us that trust is earned — and we never take that lightly.
Always of Service
At RH2L, service doesn’t end when the transaction closes. Whether you’re a homeowner concerned about rising costs, a buyer planning for the future, a seller navigating timing, or a neighbor simply seeking clarity — our door is always open.
We believe real estate professionals should be educators, advocates, and steady guides. Our commitment is to meet people where they are, listen first, and offer honest, thoughtful support — not pressure.
Looking Ahead
As we step into a new year, our focus remains clear:
Serve with integrity
Advocate for homeowners and communities
Educate with clarity and transparency
Build relationships that last beyond the sale
From our hearts to yours, we wish you a season filled with warmth, peace, and meaningful moments — whether spent around a holiday table, in a new home, or within the comfort of familiar walls.
Thank you for allowing us to be part of your journey.
With gratitude and holiday cheer, Tammy Murphy & the RH2L Team ❤️
When you’re preparing to buy a home in the Dayton region, choosing the best local mortgage lenders in Dayton Ohio is one of the most important early steps. Getting pre-approved not only strengthens your position as a buyer—it also helps you compare loan programs, rates, and fees to ensure you’re choosing the lender that’s truly the best fit for you.
Because of this, we encourage buyers to speak with 2–3 lenders as they begin the process. Comparing options helps ensure you get the best interest rate, lowest fees, strongest loan program, and highest level of service—all of which impact your financial future for years.
Are you a ?
• New buyers looking for a trusted starting point
• First-time buyers unsure which lender or program best fits
• Current homeowners interested in refinancing, lowering monthly payments, or exploring home equity options
No matter your situation, the right lending partner makes a meaningful difference.
Real estate is always moving, and so is the lending market. It’s common for lenders to:
Transition to new mortgage companies
Gain access to improved or specialized loan programs
Update phone numbers, email addresses, or office locations
Offer new products such as first-time buyer grants, renovation loans, HELOCs, or refinancing opportunities
Because these changes can directly affect your financing options, we regularly refresh the lenders we recommend. These professionals have consistently delivered excellent communication, reliable service, and successful results for our clients.
Why Working With Local Mortgage Lenders in Dayton Ohio Matters
Your mortgage isn’t just an approval—it’s a long-term financial commitment. Taking the time now to compare lenders helps you understand differences in:
Interest rates and loan terms
Closing costs and fee structures
Available programs based on income, down payment, credit score, or property type
Personal service and communication speed
Flexibility during underwriting and closing
While large national online lenders may offer quick approvals, we consistently see better outcomes—stronger offers, fewer delays, and smoother closings—with local lenders who provide personalized support and real-time communication.
The Bottom Line
Whether you’re:
Buying your first home
Moving up or downsizing
Reinvesting through a refinance
Accessing equity for renovations or future plans
…your lender plays an essential role in the process.
Market conditions evolve, programs change, and your financial needs shift. Having trusted, current, and local lender options ensures you’re positioned to make the best decisions for your future.
If you’re ready to explore your buying power or want guidance on refinancing or equity solutions, we’re here to help you navigate every step with confidence.
The Dayton region’s housing market continued to show strength in October, with rising sales, steady price growth, and an increase in available listings. According to the latest report from Dayton REALTORS®, both sales and dollar volume outpaced last year’s performance — a clear sign that the local market remains active and resilient.
❤️ A Balanced End to a Steady Year
The Dayton area continues to be a standout in the Ohio housing market — with affordability, stability, and community appeal driving ongoing activity. The data shows a healthy, sustainable pace of growth where both buyers and sellers can find success with the right strategy.
As 2025 winds down, this is an ideal time to review your real estate goals. Whether you’re considering a move, exploring investment opportunities, or just curious about your home’s current value — local insight matters.
Sales & Prices Continue to Rise
In October, the total sales volume reached $377 million, marking a 5.7% increase compared to the same month in 2024.
Closed sales: 1,319 homes (up 3%)
Average sale price: $285,825 (up 2.5%)
Median sale price: $252,900 (up 3%)
Both single-family and condominium sales contributed to the month’s growth, with steady buyer demand continuing to drive activity across the Miami Valley.
Takeaway: Even with higher prices, buyers are staying engaged — a reflection of Dayton’s ongoing affordability and value compared to many larger markets.
Year-to-Date Sales Edge Ahead of 2024
After trailing slightly most of the year, 2025 finally overtook 2024 in total home sales by the end of October.
Total YTD sales: 12,330 (up 0.1%)
Total dollar volume: $3.6 billion (up 5.6%)
The average year-to-date price sits at $293,461 (up 5%), while the median year-to-date price reached $255,000 (up 6.2%).
Takeaway: This milestone marks a welcome shift — despite early-year headwinds, the market regained momentum and continues to trend upward through fall.
Listings & Inventory See Modest Growth
October brought more listings to the market, giving buyers a few more options heading into the colder months:
New listings: 1,667 (up 6%)
Total listings YTD: 15,749 (up 4.7%)
Active inventory: 2,623 homes (up from 2,169 last year)
Months of supply: 1.9 months — still a strong seller’s market
Takeaway: Inventory growth is positive, but supply remains tight. Homes that are move-in ready and well-priced continue to sell quickly and attract multiple offers.
Let’s Talk About Your Next Move
Market conditions change with the season — make sure you’re ready for what’s next. Let’s connect to review your options and plan a strategy that fits your goals for 2026.
Contact Tammy Murphy, Broker/Owner – RH2L Real Estate ❤️ Call or text: (937) 838-0997 www.RealHomesToLove.com
New Listing Spotlight: A Lease Opportunity That’s Truly One-of-a-Kind
I don’t always send out blog updates like this, but when a space as special as this comes along, I know it’s worth sharing — not just as a real estate opportunity, but as a moment where historic charm meets modern-day flexibility.
Let me introduce you to 1 W Main Street in Spring Valley, OH — a newly renovated, mixed-use lease property that’s truly unlike anything else in the region.
A Home with History — and a Vision for What’s Next
This two-story brick beauty was originally built in the 1850s, and it’s been lovingly refreshed with new windows, fresh paint, updated kitchen and baths, and energy-efficient upgrades — all while maintaining the charm of its original black walnut staircase, high ceilings, and cozy fireplaces. SEE MORE DETAILS HERE
But what really sets it apart is this:
You can LIVE, WORK, and RELAX all in the same space.
Yes, it’s zoned for both residential and commercial use — opening the door for a variety of unique tenant possibilities.
Who This Might Be Perfect For:
A traveling nurse looking for quiet, character-rich short-term housing
An entrepreneur ready to launch a boutique, gallery, or therapy studio downstairs while living upstairs
Someone looking to host creative workshops or events in a charming small-town setting
A small business owner needing office visibility and walkable foot traffic
Or even a couple just wanting to live in a home that feels like something from a storybook
Here’s How You Can Help
Know someone looking for a unique rental or flexible space? Please forward this!
Interested yourself? Reach out and let’s talk about what might be possible.
Want to share this opportunity with your online community? I’d be so grateful.
Let’s find the perfect fit for this one-of-a-kind space. Maybe it’s you. Maybe it’s someone you know. Either way, thank you for helping me continue to match Real Homes to Love with amazing people across our community. 😉
The real estate brokerage with a heart! Helping you as buyers and sellers in today's real estate market. RH2L is "Real Homes To Love" and your choice for professional real estate services in today's market! Office hours by appointment.
