PlainZIP

Dayton, OH · standard

ZIP Code 45409

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

12,868
1,435/sq mi
$87,283
Median income
$249,000
Median home value
62.7%
Bachelor's or higher

The verdict

Dayton pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.

Top 30%
household income, US ZIPs
Top 43%
home value, US ZIPs
1,435
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45409 against every reporting US ZIP.

ZIP code 45409 is a mid-sized community (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, home to 12,868 residents across 9.0 square miles, a density of 1,435 people per square mile, in the New York time zone.

ZIP 45409 lands in the middle-income range, with a median household income of $87,283 (20% above the Ohio average), while per-capita income is $28,871. Poverty here runs at 16.0%, with unemployment measured at 11.1%. Median home value sits at $249,000 (26% above the state average), median rent at $1,038 a month, and owner-occupancy at 72.2%.

This is a highly-educated ZIP: 62.7% of adults hold a bachelor's degree or higher, the median age is 21, and the average commute is 17 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 45409 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 45409

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45409.

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 45409, 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

12,868

Population

9.0

Area (sq mi)

1,435

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 45409?

21.0

Median Age

47.7%

Male

52.3%

Female

3.7%

Foreign-Born

White 85.3%
African American 5.9%
Asian 2.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 5.8%
Hispanic or Latino 5.8%

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?

$87,283

Median Household Income

+20% vs state

$28,871

Per Capita Income

16.0%

Poverty Rate

11.1%

Unemployment Rate

16.7 min

Mean Commute Time

How ZIP 45409 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$87,283 Top 30% higher than 70% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 73.4%
Bachelor's Degree or Higher 62.7%

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

What does housing look like?

3,372

Total Housing Units

3,063

Occupied Units

309

Vacant Units

2.23

Avg Household Size

Occupancy Type

Owner 72.2%
Renter 27.8%

$249,000

Median Home Value

+26% vs state

$1,038

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

+4.6%

YoY Change (2024)

196

HPI Index (2000 = 100)

+96%

Total Change Since 2000

Home values in ZIP 45409 have increased 4.6% over the past year (2024). Since 2000, this ZIP has seen +96% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.8% 138
2021 +10.4% 153
2022 +12.8% 172
2023 +8.9% 188
2024 +4.6% 196

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 256 business establishments in ZIP 45409, employing approximately 4,820 people with a combined annual payroll of $338,749,000.

256

Businesses

4,820

Employees

$338.7M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 67 26.2%
Accommodation and food services 46 18.0%
Professional, scientific, and technical services 27 10.6%
Other services (except public administration) 25 9.8%
Retail trade 17 6.6%
Finance and insurance 13 5.1%
Manufacturing 12 4.7%
Construction 9 3.5%
Real estate and rental and leasing 9 3.5%
Administrative and support and waste management and remediation services 9 3.5%
Wholesale trade 5 1.9%
Transportation and warehousing 5 1.9%
Information 4 1.6%
Educational services 4 1.6%
Arts, entertainment, and recreation 3 1.2%

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 45409 vs 45419 →

ZIP 45409 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 45409 ranks #7 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 45409 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 45409 ranks #3 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
45419 Dayton, OH 15,159 1.3 mi
45410 Dayton, OH 15,339 2.3 mi
45439 Dayton, OH 10,000 2.3 mi
45402 Dayton, OH 11,420 2.7 mi
45420 Dayton, OH 25,438 3.0 mi
45429 Dayton, OH 25,885 3.1 mi
45403 Dayton, OH 15,006 3.7 mi
45428 Dayton, OH 240 4.1 mi
45404 Dayton, OH 10,833 4.8 mi
45459 Dayton, OH 27,749 5.4 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 45409 in? ▼
ZIP code 45409 (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 45409? ▼
ZIP code 45409 in Dayton, OH has a population of 12,868 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45409? ▼
The median household income in ZIP 45409 is $87,283, which is 14% above the national average of $76,288.
What is the average home value in ZIP 45409? ▼
The median home value in ZIP 45409 is $249,000, which is 10% below the national average of $278,155.
What is the demographic makeup of ZIP 45409? ▼
The largest racial group in ZIP 45409 is White at 85.3%. Hispanic or Latino residents make up 5.8% of the population.
How many businesses are in ZIP code 45409? ▼
ZIP code 45409 has 256 business establishments employing approximately 4,820 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45409? ▼
The top industries by establishment count in ZIP 45409 are: Health care and social assistance (67), Accommodation and food services (46), Professional, scientific, and technical services (27). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45409? ▼
According to the FHFA House Price Index, home values in ZIP 45409 increased by 4.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 96%. 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 45409? ▼
In ZIP code 45409, 73.4% of residents aged 25+ have a high school diploma or higher, and 62.7% 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 45409? ▼
The mean commute time for workers in ZIP code 45409 is 16.7 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 45409? ▼
In ZIP code 45409, approximately 72.2% of occupied housing units are owner-occupied and 27.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45409? ▼
The poverty rate in ZIP code 45409 is 16.0% 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.