PlainZIP

Dayton, OH · standard

ZIP Code 45404

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

10,833
678/sq mi
$38,874
Median income
$86,900
Median home value
10.2%
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, mixed-tenure area.

5th pct
household income, US ZIPs
6th pct
home value, US ZIPs
678
people per sq mi
44%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45404 against every reporting US ZIP.

ZIP code 45404 is a mid-sized community (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, home to 10,833 residents across 16.0 square miles, a density of 678 people per square mile, in the New York time zone.

ZIP 45404 sits on the lower end of the income spectrum: median household income is $38,874 (47% below the Ohio average), while per-capita income is $20,337. The poverty rate stands at 34.5% and the unemployment rate at 9.3%. Median home value sits at $86,900 (56% below the state average), median rent at $884 a month, and owner-occupancy at 44.1%.

Formal educational attainment runs low here: just 10.2% of adults hold a bachelor's degree or higher, the median age is 35.7, and the average commute is 22 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 45404 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 45404

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45404.

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 45404, 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

10,833

Population

16.0

Area (sq mi)

678

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 45404?

35.7

Median Age

50.4%

Male

49.6%

Female

11.7%

Foreign-Born

White 70.9%
African American 20.2%
Asian 1.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.9%
Hispanic or Latino 7.7%

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?

$38,874

Median Household Income

-47% vs state

$20,337

Per Capita Income

34.5%

Poverty Rate

9.3%

Unemployment Rate

21.8 min

Mean Commute Time

How ZIP 45404 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$38,874 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 50.4%
Bachelor's Degree or Higher 10.2%

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

What does housing look like?

4,781

Total Housing Units

4,280

Occupied Units

501

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 44.1%
Renter 55.9%

$86,900

Median Home Value

-56% vs state

$884

Median Rent

1950

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

+20.1%

YoY Change (2024)

161

HPI Index (2000 = 100)

+61%

Total Change Since 2000

Home values in ZIP 45404 have increased 20.1% over the past year (2024). Since 2000, this ZIP has seen +61% cumulative appreciation.

Year Annual Change HPI Index
2020 +14.5% 105
2021 +10.0% 116
2022 +22.7% 142
2023 -5.2% 134
2024 +20.1% 161

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 345 business establishments in ZIP 45404, employing approximately 13,607 people with a combined annual payroll of $830,090,000.

345

Businesses

13,607

Employees

$830.1M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Manufacturing 80 23.2%
Wholesale trade 41 11.9%
Other services (except public administration) 37 10.7%
Construction 33 9.6%
Retail trade 31 9.0%
Health care and social assistance 31 9.0%
Transportation and warehousing 25 7.3%
Administrative and support and waste management and remediation services 24 7.0%
Accommodation and food services 20 5.8%
Information 5 1.4%
Professional, scientific, and technical services 4 1.2%
Educational services 4 1.2%
Finance and insurance 3 0.9%
Real estate and rental and leasing 3 0.9%
Management of companies and enterprises 3 0.9%

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 45404 vs 45403 →

ZIP 45404 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 45404 ranks #0 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 45404 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 45404 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
45403 Dayton, OH 15,006 1.7 mi
45410 Dayton, OH 15,339 2.9 mi
45405 Dayton, OH 18,948 2.9 mi
45402 Dayton, OH 11,420 3.3 mi
45419 Dayton, OH 15,159 5.3 mi
45406 Dayton, OH 21,914 4.3 mi
45409 Dayton, OH 12,868 4.8 mi
45420 Dayton, OH 25,438 5.2 mi
45414 Dayton, OH 21,055 4.5 mi
45429 Dayton, OH 25,885 7.3 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 45404 in? ▼
ZIP code 45404 (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 45404? ▼
ZIP code 45404 in Dayton, OH has a population of 10,833 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45404? ▼
The median household income in ZIP 45404 is $38,874, which is 49% below the national average of $76,288.
What is the average home value in ZIP 45404? ▼
The median home value in ZIP 45404 is $86,900, which is 69% below the national average of $278,155.
What is the demographic makeup of ZIP 45404? ▼
The largest racial group in ZIP 45404 is White at 70.9%. Hispanic or Latino residents make up 7.7% of the population.
How many businesses are in ZIP code 45404? ▼
ZIP code 45404 has 345 business establishments employing approximately 13,607 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45404? ▼
The top industries by establishment count in ZIP 45404 are: Manufacturing (80), Wholesale trade (41), Other services (except public administration) (37). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45404? ▼
According to the FHFA House Price Index, home values in ZIP 45404 increased by 20.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 61%. 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 45404? ▼
In ZIP code 45404, 50.4% of residents aged 25+ have a high school diploma or higher, and 10.2% 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 45404? ▼
The mean commute time for workers in ZIP code 45404 is 21.8 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 45404? ▼
In ZIP code 45404, approximately 44.1% of occupied housing units are owner-occupied and 55.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45404? ▼
The poverty rate in ZIP code 45404 is 34.5% 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.