PlainZIP

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
$54,485
Median income
$182,300
Median home value
23.7%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $36,803. Local economic indicators show a 19.5% poverty rate alongside 6.0% unemployment. Median home value sits at $182,300 (8% below the state average), median rent at $904 a month, and owner-occupancy at 69.7%.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45414, 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 45414

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45414.

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 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

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 45414?

43.2

Median Age

46.5%

Male

53.5%

Female

3.2%

Foreign-Born

White 74.9%
African American 17.5%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 3.6%

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

$36,803

Per Capita Income

19.5%

Poverty Rate

6.0%

Unemployment Rate

22.3 min

Mean Commute Time

How ZIP 45414 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$54,485 20th percentile higher than 20% 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 54.9%
Bachelor's Degree or Higher 23.7%

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

What does housing look like?

10,060

Total Housing Units

9,677

Occupied Units

383

Vacant Units

2.17

Avg Household Size

Occupancy Type

Owner 69.7%
Renter 30.3%

$182,300

Median Home Value

-8% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45414 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 45414 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 45414 ranks #5 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
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

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 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.

Read our methodology to see how this data is sourced, computed, and verified.