Dayton, OH · standard
ZIP Code 45414
Montgomery County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 21,055
- 358/sq mi High-density area
- $54,485
- Median income Below-median income area
- $182,300
- Median home value Near-median home value
- 23.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Dayton pairs one of the lowest household incomes in the country with below-median home values, in a low-density, homeowner-dominated area.
- 20th pct
- household income, US ZIPs
- 39th pct
- home value, US ZIPs
- 358
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45414 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45414 (Dayton, OH) rose +6.9% from 2023 to 2024. The all-transactions index moved from 166.1 in 2023 to 177.6 in 2024 (2000 = 100).
ZIP code 45414 is a densely settled ZIP (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, with 21,055 residents across 58.8 square miles, a density of 358 people per square mile, in the New York time zone.
ZIP 45414 reports a modest median household income of $54,485 (25% below the average Ohio ZIP), while per-capita income is $36,803. The poverty rate is 19.5%, with unemployment at 6.0%; those measures add context to the income figure. Median home value is $182,300 (8% below the average Ohio ZIP) and median rent is $904; 69.7% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 23.7% of adults hold a bachelor's degree or higher, the median age is 43.2, and the average commute is 22 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 45414 can be compared with both its immediate and county-level context.
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 45414
Top 5 sectors by establishment count in Dayton, OH
Which industries have the most business establishments in ZIP 45414.
- Manufacturing
Manufacturing
98 establishments
- Retail trade
Retail trade
97 establishments
- Accommodation and food services
Accommodation and food services
87 establishments
- Wholesale trade
Wholesale trade
82 establishments
- Other services (except public administration)
Other services (except public administration)
81 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45414, 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
21,055
Population
58.8
Area (sq mi)
358
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45414?
43.2
Median Age
46.5%
Male
53.5%
Female
3.2%
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?
$54,485
Median Household Income
-25% vs state ZIP avg
$36,803
Per Capita Income
19.5%
Poverty Rate
6.0%
Unemployment Rate
22.3 min
Mean Commute Time
How ZIP 45414 ranks among Ohio ZIPs
Dayton, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$54,485 20th percentile higher than 20% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
10,060housing units
10,060
Total Housing Units
9,677
Occupied Units
383
Vacant Units
2.17
Avg Household Size
Occupancy Type
$182,300
Median Home Value
-8% vs state ZIP avg
$904
Median Rent
1966
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
+6.9%
YoY Change (2024)
178
HPI Index (2000 = 100)
+78%
Total Change Since 2000
Home values in ZIP 45414 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +78% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.8% | 116 |
| 2021 | +13.0% | 131 |
| 2022 | +15.9% | 152 |
| 2023 | +9.6% | 166 |
| 2024 | +6.9% | 178 |
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 812 business establishments in ZIP 45414, employing approximately 16,243 people with a combined annual payroll of $867,427,000.
812
Businesses
16,243
Employees
$867.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Manufacturing | 98 | 12.1% |
| Retail trade | 97 | 11.9% |
| Accommodation and food services | 87 | 10.7% |
| Wholesale trade | 82 | 10.1% |
| Other services (except public administration) | 81 | 10.0% |
| Health care and social assistance | 72 | 8.9% |
| Construction | 69 | 8.5% |
| Administrative and support and waste management and remediation services | 48 | 5.9% |
| Finance and insurance | 41 | 5.0% |
| Professional, scientific, and technical services | 37 | 4.6% |
| Real estate and rental and leasing | 34 | 4.2% |
| Transportation and warehousing | 31 | 3.8% |
| Educational services | 11 | 1.4% |
| Management of companies and enterprises | 9 | 1.1% |
| Information | 8 | 1.0% |
| Arts, entertainment, and recreation | 6 | 0.7% |
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 45414 vs 45415 →
ZIP 45414 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45424
Dayton (45424)
49,930 residents
- 45406
Dayton (45406)
21,914 residents
- 45414
Dayton (45414)
21,055 residents
- 45405 18,948
Dayton (45405)
18,948 residents
- 45377 15,215
Vandalia (45377)
15,215 residents
- 45403 15,006
Dayton (45403)
15,006 residents
- 45415 12,631
Dayton (45415)
12,631 residents
- 45402 11,420
Dayton (45402)
11,420 residents
- 45404 10,833
Dayton (45404)
10,833 residents
What this shows Among its immediate neighbors, ZIP 45414 ranks #3 by population - useful context the national average alone can't give.
ZIP 45414 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45315
Clayton (45315)
$92,333 median income
- 45415
Dayton (45415)
$81,176 median income
- 45424
Dayton (45424)
$80,605 median income
- 45377
Vandalia (45377)
$77,398 median income
- 45414
Dayton (45414)
$54,485 median income
- 45402
Dayton (45402)
$48,401 median income
- 45416
Dayton (45416)
$46,174 median income
- 45405
Dayton (45405)
$43,973 median income
- 45406
Dayton (45406)
$41,796 median income
What this shows By household income, ZIP 45414 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45415 | Dayton, OH | 12,631 | 2.4 mi |
| 45405 | Dayton, OH | 18,948 | 3.5 mi |
| 45377 | Vandalia, OH | 15,215 | 3.8 mi |
| 45416 | Dayton, OH | 5,740 | 3.4 mi |
| 45402 | Dayton, OH | 11,420 | 5.7 mi |
| 45406 | Dayton, OH | 21,914 | 4.3 mi |
| 45404 | Dayton, OH | 10,833 | 4.5 mi |
| 45424 | Dayton, OH | 49,930 | 5.4 mi |
| 45403 | Dayton, OH | 15,006 | 6.1 mi |
| 45315 | Clayton, OH | 4,377 | 6.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45414, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (21,055 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 45414 in?
ZIP code 45414 (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 45414?
ZIP code 45414 in Dayton, OH has a population of 21,055 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45414?
The median household income in ZIP 45414 is $54,485, which is 29% below the national average of $76,288.
What is the average home value in ZIP 45414?
The median home value in ZIP 45414 is $182,300, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 45414?
The largest racial group in ZIP 45414 is White at 74.9%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 45414?
ZIP code 45414 has 812 business establishments employing approximately 16,243 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45414?
The top industries by establishment count in ZIP 45414 are: Manufacturing (98), Retail trade (97), Accommodation and food services (87). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45414?
According to the FHFA House Price Index, home values in ZIP 45414 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 78%. 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 45414?
In ZIP code 45414, 54.9% of residents aged 25+ have a high school diploma or higher, and 23.7% 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 45414?
The mean commute time for workers in ZIP code 45414 is 22.3 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 45414?
In ZIP code 45414, approximately 69.7% of occupied housing units are owner-occupied and 30.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45414?
The poverty rate in ZIP code 45414 is 19.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 45414's numbers, next.
- See how ZIP 45414 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Dayton, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.