ZIP Code 45406
standardSource:
Dayton · Montgomery County · Ohio
- Population
- 21,914
- Median income
- $41,796
- Median home value
- $85,000
- Bachelor's or higher
- 20.2%
- Land area
- 13.0 sq mi
1,691/sq mi
▼ 45% vs US
higher than 7% of US ZIPs
▼ 69% vs US
higher than 5% of US ZIPs
Median age 37.4
New York
ZIP code 45406 in Dayton, Ohio has a population of 21,914. The median household income is $41,796, which is 45% below the national average. Median home value is $85,000, 69% below the US average. 20.2% of residents hold a bachelor's degree or higher.
ZIP code 45406 is classified by USPS as a standard delivery area and covers roughly 13.0 square miles in Dayton, Montgomery County, Ohio. The area is home to 21,914 residents, producing a population density of 1,691 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 45406 against Ohio and the nation.
On the economic side, the median household income for ZIP 45406 sits at $41,796 (43% below the Ohio average), while per-capita income is $30,100. The poverty rate stands at 24.6% and the unemployment rate 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, a direct signal of whether 45406 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 20.2% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 19 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 45406 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 45406
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 45406.
- Health care and social assistance
Health care and social assistance
46 establishments
- Retail trade
Retail trade
37 establishments
- Other services (except public administration)
Other services (except public administration)
23 establishments
- Accommodation and food services 17
Accommodation and food services
17 establishments
- Real estate and rental and leasing 15
Real estate and rental and leasing
15 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 45406?
37.4
Median Age
48.5%
Male
51.5%
Female
3.1%
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?
$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
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?
10,777
Total Housing Units
8,954
Occupied Units
1,823
Vacant Units
2.20
Avg Household Size
Occupancy Type
$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 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
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Frequently Asked Questions
What county is ZIP code 45406 in? ▼
What is the population of ZIP code 45406? ▼
What is the median household income in ZIP 45406? ▼
What is the average home value in ZIP 45406? ▼
What is the demographic makeup of ZIP 45406? ▼
How many businesses are in ZIP code 45406? ▼
What are the main industries in ZIP code 45406? ▼
How have home values changed in ZIP code 45406? ▼
What is the education level in ZIP code 45406? ▼
What is the average commute time in ZIP 45406? ▼
What percentage of residents own vs. rent in ZIP 45406? ▼
What is the poverty rate in ZIP code 45406? ▼
ZIP Code Research Guides
Official Data Resources for Dayton, OH
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.