ZIP 45305 vs ZIP 45440

This side-by-side compares ZIP 45305 (Bellbrook, OH) and ZIP 45440 (Dayton, OH) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 45305 has a population of 10,712 at 286 people per square mile, while ZIP 45440 has 20,734 at 850 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 45305 reports a median household income of $123,045 against $82,383 in ZIP 45440, with per-capita income of $54,633 vs $45,905. The share of adults holding a bachelor's degree or higher is 52.7% in 45305 and 45.5% in 45440. Poverty rate reads 4.0% vs 11.5%, and unemployment 0.7% vs 2.5% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $329,500 in 45305 versus $267,900 in 45440, with median rent of $1,355 and $1,164 per month respectively. Homeownership rate is 81.5% vs 62.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.