PlainZIP

Dayton, OH · standard

ZIP Code 45403

Montgomery County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

15,006
1,492/sq mi
$38,323
Median income
$87,500
Median home value
13.3%
Bachelor's or higher

The verdict

Dayton pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, renter-heavy area.

5th pct
household income, US ZIPs
6th pct
home value, US ZIPs
1,492
people per sq mi
40%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45403 against every reporting US ZIP.

ZIP code 45403 is a mid-sized community (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, home to 15,006 residents across 10.1 square miles, a density of 1,492 people per square mile, in the New York time zone.

ZIP 45403 sits on the lower end of the income spectrum: median household income is $38,323 (48% below the Ohio average), while per-capita income is $22,632. Local economic indicators show a 35.1% poverty rate alongside 9.9% unemployment. On housing, the median home value is $87,500 (56% below the state average) with median rent at $779 per month, and 40.0% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 13.3% of adults hold a bachelor's degree or higher, the median age is 35, and the average commute is 25 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 45403 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 45403

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45403.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45403, Dayton, OH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

15,006

Population

10.1

Area (sq mi)

1,492

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 45403?

35.0

Median Age

53.5%

Male

46.5%

Female

11.1%

Foreign-Born

White 65.6%
African American 16.6%
Asian 0.9%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.0%
Hispanic or Latino 14.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$38,323

Median Household Income

-48% vs state

$22,632

Per Capita Income

35.1%

Poverty Rate

9.9%

Unemployment Rate

24.9 min

Mean Commute Time

How ZIP 45403 ranks nationally

Dayton, OH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$38,323 5th percentile higher than 5% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 46.3%
Bachelor's Degree or Higher 13.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

7,310

Total Housing Units

6,247

Occupied Units

1,063

Vacant Units

2.16

Avg Household Size

Occupancy Type

Owner 40.0%
Renter 60.0%

$87,500

Median Home Value

-56% vs state

$779

Median Rent

1948

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+4.5%

YoY Change (2024)

176

HPI Index (2000 = 100)

+76%

Total Change Since 2000

Home values in ZIP 45403 have increased 4.5% over the past year (2024). Since 2000, this ZIP has seen +76% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.1% 127
2021 +10.4% 141
2022 +15.1% 162
2023 +4.3% 169
2024 +4.5% 176

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 216 business establishments in ZIP 45403, employing approximately 2,898 people with a combined annual payroll of $141,727,000.

216

Businesses

2,898

Employees

$141.7M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 38 17.6%
Manufacturing 34 15.7%
Retail trade 31 14.3%
Construction 24 11.1%
Health care and social assistance 21 9.7%
Accommodation and food services 17 7.9%
Wholesale trade 16 7.4%
Transportation and warehousing 8 3.7%
Administrative and support and waste management and remediation services 7 3.2%
Real estate and rental and leasing 6 2.8%
Finance and insurance 4 1.9%
Professional, scientific, and technical services 4 1.9%
Educational services 4 1.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 45403 vs 45410 →

ZIP 45403 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 45403 ranks #8 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45403 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 45403 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
45410 Dayton, OH 15,339 1.5 mi
45404 Dayton, OH 10,833 1.7 mi
45420 Dayton, OH 25,438 3.5 mi
45402 Dayton, OH 11,420 3.4 mi
45431 Dayton, OH 26,315 3.6 mi
45419 Dayton, OH 15,159 4.0 mi
45409 Dayton, OH 12,868 3.7 mi
45432 Dayton, OH 15,288 3.9 mi
45405 Dayton, OH 18,948 4.0 mi
45429 Dayton, OH 25,885 5.8 mi

More ZIP Codes in Montgomery County

45424 standard
Dayton, OH
Pop: 49,930
45342 standard
Miamisburg, OH
Pop: 36,784
45417 standard
Dayton, OH
Pop: 31,281
45458 standard
Dayton, OH
Pop: 29,880
45459 standard
Dayton, OH
Pop: 27,749
45431 standard
Dayton, OH
Pop: 26,315

Related Areas

Montgomery County Dayton, OH Ohio

Frequently Asked Questions

What county is ZIP code 45403 in? ▼
ZIP code 45403 (Dayton) is located in Montgomery County, Ohio. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-oh.
What is the population of ZIP code 45403? ▼
ZIP code 45403 in Dayton, OH has a population of 15,006 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45403? ▼
The median household income in ZIP 45403 is $38,323, which is 50% below the national average of $76,288.
What is the average home value in ZIP 45403? ▼
The median home value in ZIP 45403 is $87,500, which is 69% below the national average of $278,155.
What is the demographic makeup of ZIP 45403? ▼
The largest racial group in ZIP 45403 is White at 65.6%. Hispanic or Latino residents make up 14.6% of the population.
How many businesses are in ZIP code 45403? ▼
ZIP code 45403 has 216 business establishments employing approximately 2,898 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45403? ▼
The top industries by establishment count in ZIP 45403 are: Other services (except public administration) (38), Manufacturing (34), Retail trade (31). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 45403? ▼
According to the FHFA House Price Index, home values in ZIP 45403 increased by 4.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 76%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 45403? ▼
In ZIP code 45403, 46.3% of residents aged 25+ have a high school diploma or higher, and 13.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 45403? ▼
The mean commute time for workers in ZIP code 45403 is 24.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 45403? ▼
In ZIP code 45403, approximately 40.0% of occupied housing units are owner-occupied and 60.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45403? ▼
The poverty rate in ZIP code 45403 is 35.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.