I willtry to give you an answer....1. Dayton has lost many manufacturing jobs to Mexico and China, many auto companies have gone bust. and companies like NCR moved to places that made them sweet deals..ie NCR moved to Atlanta. 2. Race.....back in the sixties as the gov. tried to improve race relations they had busing of kids from one area to another..trying to force integration.of the racial groups...well in Dayton one of the reactions of wealthier whites was to move out to the suburbs and build private schools..amazing as this sounds in this day and age people gave up on wonderful neighborhoods with large and beautiful homes...to avoid having their kids go to schools with black kids. Well many middle class blacks were able to buy houses in these inner city neighborhoods and for awhile they did very well when the industries in Dayton were still thriving. But as businesses moved manufacturing overseas..unemployment grew in towns like Dayton. 3. Reverse redlining and easy loans ...Banks in the old days would not give minorities bank loans..they would draw redlines on the maps and tell loan brokers not to loan on houses in those sreas...ie where minorities lived. Then in the 80's and 90's thery changed their approach to reverse redling...as their investors wanted to make higher interest on their money the banks realised that minorities in nice areas like Dayton had beautiful houses with lots of equity ...so then they started targeting minority home owners..offering home equity loans at relatively high interest...well the minority groups were not used to this kind of respect and they were excited to have the opportunity to get home equity loans to improve their homes or buy new furnishings or cars. Well eventually they found out that these loans were not that great and they got overextended...maybe they got Adjustable rate mortgages or they got high interest credit cards inaddition to the home equity loans...well as the economy soured and more people lost their jobs...they lost their homes to the banks...once an area has too many closed businesses and empty homes people get nervous and think that it is a bad neighborhood and prices diminish and people move away to California or somewhere with more opportunities. Hope this abswers your question. We are going against this trrend..we have bought 5 homes in Dayton over the last few years and have fixed them up..we do not have any mortgages but get between 500 and 700 /month in rent. You might want to give it a try yourself.