PlainZIP

Dayton, OH · standard

ZIP Code 45405

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

18,948
1,859/sq mi
$43,973
Median income
$84,200
Median home value
20.7%
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.

8th pct
household income, US ZIPs
5th pct
home value, US ZIPs
1,859
people per sq mi
36%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45405 against every reporting US ZIP.

ZIP code 45405 is a mid-sized community (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, home to 18,948 residents across 10.2 square miles, a density of 1,859 people per square mile, in the New York time zone.

ZIP 45405 reports a modest median household income of $43,973 (40% below the Ohio average), while per-capita income is $25,140. Poverty here runs at 25.8%, with unemployment measured at 12.4%. On housing, the median home value is $84,200 (57% below the state average) with median rent at $934 per month, and 36.0% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 20.7% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is 19 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Montgomery County, letting you compare 45405 to its immediate surroundings rather than a national baseline 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 45405

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45405.

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 45405, 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

18,948

Population

10.2

Area (sq mi)

1,859

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 45405?

39.9

Median Age

48.2%

Male

51.8%

Female

3.2%

Foreign-Born

White 28.3%
African American 63.9%
Asian 0.2%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.3%
Hispanic or Latino 2.9%

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?

$43,973

Median Household Income

-40% vs state

$25,140

Per Capita Income

25.8%

Poverty Rate

12.4%

Unemployment Rate

18.5 min

Mean Commute Time

How ZIP 45405 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$43,973 8th percentile higher than 8% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $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 56.0%
Bachelor's Degree or Higher 20.7%

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

What does housing look like?

11,695

Total Housing Units

8,903

Occupied Units

2,792

Vacant Units

2.09

Avg Household Size

Occupancy Type

Owner 36.0%
Renter 64.0%

$84,200

Median Home Value

-57% vs state

$934

Median Rent

1947

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

-9.0%

YoY Change (2024)

136

HPI Index (2000 = 100)

+36%

Total Change Since 2000

Home values in ZIP 45405 have decreased 9.0% over the past year (2024). Since 2000, this ZIP has seen +36% cumulative appreciation.

Year Annual Change HPI Index
2020 +13.9% 97
2021 +9.1% 106
2022 +15.8% 123
2023 +21.1% 149
2024 -9.0% 136

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 180 business establishments in ZIP 45405, employing approximately 3,630 people with a combined annual payroll of $202,488,000.

180

Businesses

3,630

Employees

$202.5M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 43 23.9%
Retail trade 40 22.2%
Other services (except public administration) 20 11.1%
Accommodation and food services 16 8.9%
Finance and insurance 13 7.2%
Administrative and support and waste management and remediation services 12 6.7%
Professional, scientific, and technical services 7 3.9%
Construction 5 2.8%
Manufacturing 4 2.2%
Real estate and rental and leasing 4 2.2%
Educational services 4 2.2%
Arts, entertainment, and recreation 4 2.2%
Wholesale trade 3 1.7%
Information 3 1.7%

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 45405 vs 45406 →

ZIP 45405 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 45405 ranks #3 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 45405 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 45405 ranks #7 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
45406 Dayton, OH 21,914 1.5 mi
45402 Dayton, OH 11,420 2.3 mi
45414 Dayton, OH 21,055 3.5 mi
45404 Dayton, OH 10,833 2.9 mi
45416 Dayton, OH 5,740 2.5 mi
45415 Dayton, OH 12,631 3.6 mi
45403 Dayton, OH 15,006 4.0 mi
45439 Dayton, OH 10,000 6.3 mi
45428 Dayton, OH 240 4.2 mi
45409 Dayton, OH 12,868 4.9 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 45405 in? ▼
ZIP code 45405 (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 45405? ▼
ZIP code 45405 in Dayton, OH has a population of 18,948 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45405? ▼
The median household income in ZIP 45405 is $43,973, which is 42% below the national average of $76,288.
What is the average home value in ZIP 45405? ▼
The median home value in ZIP 45405 is $84,200, which is 70% below the national average of $278,155.
What is the demographic makeup of ZIP 45405? ▼
The largest racial group in ZIP 45405 is African American at 63.9%. Hispanic or Latino residents make up 2.9% of the population.
How many businesses are in ZIP code 45405? ▼
ZIP code 45405 has 180 business establishments employing approximately 3,630 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45405? ▼
The top industries by establishment count in ZIP 45405 are: Health care and social assistance (43), Retail trade (40), Other services (except public administration) (20). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 45405? ▼
According to the FHFA House Price Index, home values in ZIP 45405 decreased by 9.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 36%. 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 45405? ▼
In ZIP code 45405, 56.0% of residents aged 25+ have a high school diploma or higher, and 20.7% 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 45405? ▼
The mean commute time for workers in ZIP code 45405 is 18.5 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 45405? ▼
In ZIP code 45405, approximately 36.0% of occupied housing units are owner-occupied and 64.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45405? ▼
The poverty rate in ZIP code 45405 is 25.8% 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.