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 High-density area
- $38,323
- Median income Below-median income area
- $87,500
- Median home value Below-median home value
- 13.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45403 (Dayton, OH) rose +4.5% from 2023 to 2024. The all-transactions index moved from 168.8 in 2023 to 176.5 in 2024 (2000 = 100).
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 average Ohio ZIP), while per-capita income is $22,632. The poverty rate is 35.1%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $87,500 (56% below the average Ohio ZIP), and median rent is $779; owner occupancy is 40.0%.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 45403 can be compared with both its immediate and county-level context.
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.
- Other services (except public administration)
Other services (except public administration)
38 establishments
- Manufacturing
Manufacturing
34 establishments
- Retail trade
Retail trade
31 establishments
- Construction
Construction
24 establishments
- Health care and social assistance
Health care and social assistance
21 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, 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
Who lives in ZIP 45403?
35.0
Median Age
53.5%
Male
46.5%
Female
11.1%
Foreign-Born
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 ZIP avg
$22,632
Per Capita Income
35.1%
Poverty Rate
9.9%
Unemployment Rate
24.9 min
Mean Commute Time
How ZIP 45403 ranks among Ohio ZIPs
Dayton, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$38,323 4th percentile higher than 4% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
7,310housing units
7,310
Total Housing Units
6,247
Occupied Units
1,063
Vacant Units
2.16
Avg Household Size
Occupancy Type
$87,500
Median Home Value
-56% vs state ZIP avg
$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.
- 45431
Dayton (45431)
26,315 residents
- 45429
Dayton (45429)
25,885 residents
- 45420
Dayton (45420)
25,438 residents
- 45405
Dayton (45405)
18,948 residents
- 45410
Dayton (45410)
15,339 residents
- 45432
Dayton (45432)
15,288 residents
- 45419
Dayton (45419)
15,159 residents
- 45403
Dayton (45403)
15,006 residents
- 45409
Dayton (45409)
12,868 residents
What this shows Among its immediate neighbors, ZIP 45403 ranks #8 by population - useful context the national average alone can't give.
ZIP 45403 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45419
Dayton (45419)
$92,264 median income
- 45409
Dayton (45409)
$87,283 median income
- 45431
Dayton (45431)
$83,175 median income
- 45432
Dayton (45432)
$83,115 median income
- 45429
Dayton (45429)
$80,210 median income
- 45420
Dayton (45420)
$60,588 median income
- 45402
Dayton (45402)
$48,401 median income
- 45410
Dayton (45410)
$46,651 median income
- 45405
Dayton (45405)
$43,973 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45403, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (15,006 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
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.
Related
Take this with you
What to do with ZIP 45403's numbers, next.
- See how ZIP 45403 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Dayton, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.