PlainZIP

Dayton, OH · standard

ZIP Code 45406

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

21,914
1,691/sq mi
$41,796
Median income
$85,000
Median home value
20.2%
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.

7th pct
household income, US ZIPs
5th pct
home value, US ZIPs
1,691
people per sq mi
47%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45406 against every reporting US ZIP.

ZIP code 45406 is a densely settled ZIP (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, with 21,914 residents across 13.0 square miles, a density of 1,691 people per square mile, in the New York time zone.

ZIP 45406 reports a modest median household income of $41,796 (43% below the Ohio average), while per-capita income is $30,100. Poverty here runs at 24.6%, with unemployment measured at 15.1%. On housing, the median home value is $85,000 (57% below the state average) with median rent at $941 per month, and 47.1% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 20.2% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 19 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45406, plus 6 more within Montgomery County, give a clearer read than the 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 45406

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45406.

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 45406, 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

21,914

Population

13.0

Area (sq mi)

1,691

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 45406?

37.4

Median Age

48.5%

Male

51.5%

Female

3.1%

Foreign-Born

White 15.9%
African American 77.7%
Asian 0.5%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.7%
Hispanic or Latino 2.5%

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?

$41,796

Median Household Income

-43% vs state

$30,100

Per Capita Income

24.6%

Poverty Rate

15.1%

Unemployment Rate

18.6 min

Mean Commute Time

How ZIP 45406 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$41,796 7th percentile higher than 7% 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 53.4%
Bachelor's Degree or Higher 20.2%

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

What does housing look like?

10,777

Total Housing Units

8,954

Occupied Units

1,823

Vacant Units

2.20

Avg Household Size

Occupancy Type

Owner 47.1%
Renter 52.9%

$85,000

Median Home Value

-57% vs state

$941

Median Rent

1954

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

+8.6%

YoY Change (2024)

152

HPI Index (2000 = 100)

+52%

Total Change Since 2000

Home values in ZIP 45406 have increased 8.6% over the past year (2024). Since 2000, this ZIP has seen +52% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.2% 96
2021 +15.8% 111
2022 +19.7% 132
2023 +5.7% 140
2024 +8.6% 152

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 181 business establishments in ZIP 45406, employing approximately 2,043 people with a combined annual payroll of $69,122,000.

181

Businesses

2,043

Employees

$69.1M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 46 25.4%
Retail trade 37 20.4%
Other services (except public administration) 23 12.7%
Accommodation and food services 17 9.4%
Real estate and rental and leasing 15 8.3%
Construction 8 4.4%
Finance and insurance 7 3.9%
Transportation and warehousing 5 2.8%
Information 5 2.8%
Administrative and support and waste management and remediation services 5 2.8%
Professional, scientific, and technical services 4 2.2%

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 45406 vs 45405 →

ZIP 45406 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 45406 ranks #2 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 45406 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 45406 ranks #8 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
45405 Dayton, OH 18,948 1.5 mi
45416 Dayton, OH 5,740 1.8 mi
45402 Dayton, OH 11,420 2.4 mi
45428 Dayton, OH 240 3.0 mi
45415 Dayton, OH 12,631 3.6 mi
45404 Dayton, OH 10,833 4.3 mi
45414 Dayton, OH 21,055 4.3 mi
45426 Dayton, OH 15,239 4.1 mi
45417 Dayton, OH 31,281 4.1 mi
45439 Dayton, OH 10,000 5.9 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 45406 in? ▼
ZIP code 45406 (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 45406? ▼
ZIP code 45406 in Dayton, OH has a population of 21,914 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45406? ▼
The median household income in ZIP 45406 is $41,796, which is 45% below the national average of $76,288.
What is the average home value in ZIP 45406? ▼
The median home value in ZIP 45406 is $85,000, which is 69% below the national average of $278,155.
What is the demographic makeup of ZIP 45406? ▼
The largest racial group in ZIP 45406 is African American at 77.7%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 45406? ▼
ZIP code 45406 has 181 business establishments employing approximately 2,043 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45406? ▼
The top industries by establishment count in ZIP 45406 are: Health care and social assistance (46), Retail trade (37), Other services (except public administration) (23). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 45406? ▼
According to the FHFA House Price Index, home values in ZIP 45406 increased by 8.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 52%. 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 45406? ▼
In ZIP code 45406, 53.4% of residents aged 25+ have a high school diploma or higher, and 20.2% 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 45406? ▼
The mean commute time for workers in ZIP code 45406 is 18.6 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 45406? ▼
In ZIP code 45406, approximately 47.1% of occupied housing units are owner-occupied and 52.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45406? ▼
The poverty rate in ZIP code 45406 is 24.6% 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.