PlainZIP

Dayton, OH · standard

ZIP Code 45416

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

5,740
1,194/sq mi
$46,174
Median income
$81,100
Median home value
12.5%
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, homeowner-dominated area.

10th pct
household income, US ZIPs
5th pct
home value, US ZIPs
1,194
people per sq mi
66%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45416 against every reporting US ZIP.

ZIP code 45416 is a mid-sized community (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, home to 5,740 residents across 4.8 square miles, a density of 1,194 people per square mile, in the New York time zone.

ZIP 45416 reports a modest median household income of $46,174 (37% below the Ohio average), while per-capita income is $26,450. The poverty rate stands at 29.9% and the unemployment rate at 3.6%. On housing, the median home value is $81,100 (59% below the state average) with median rent at $1,190 per month, and 66.3% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 12.5% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 22 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45416, 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 45416

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45416.

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 45416, 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

5,740

Population

4.8

Area (sq mi)

1,194

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 45416?

41.7

Median Age

40.9%

Male

59.1%

Female

1.7%

Foreign-Born

White 15.3%
African American 67.5%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.3%
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?

$46,174

Median Household Income

-37% vs state

$26,450

Per Capita Income

29.9%

Poverty Rate

3.6%

Unemployment Rate

22.1 min

Mean Commute Time

How ZIP 45416 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$46,174 10th percentile higher than 10% 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 51.4%
Bachelor's Degree or Higher 12.5%

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

What does housing look like?

2,661

Total Housing Units

2,352

Occupied Units

309

Vacant Units

2.31

Avg Household Size

Occupancy Type

Owner 66.3%
Renter 33.7%

$81,100

Median Home Value

-59% vs state

$1,190

Median Rent

1959

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

+0.6%

YoY Change (2024)

174

HPI Index (2000 = 100)

+74%

Total Change Since 2000

Home values in ZIP 45416 have increased 0.6% over the past year (2024). Since 2000, this ZIP has seen +74% cumulative appreciation.

Year Annual Change HPI Index
2020 +19.4% 93
2021 +8.8% 101
2022 +38.9% 140
2023 +23.3% 173
2024 +0.6% 174

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 54 business establishments in ZIP 45416, employing approximately 860 people with a combined annual payroll of $26,942,000.

54

Businesses

860

Employees

$26.9M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Retail trade 17 31.5%
Health care and social assistance 12 22.2%
Other services (except public administration) 12 22.2%
Professional, scientific, and technical services 3 5.6%
Accommodation and food services 3 5.6%

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 45416 vs 45415 →

ZIP 45416 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 45416 ranks #0 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 45416 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 45416 ranks #6 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 1.9 mi
45406 Dayton, OH 21,914 1.8 mi
45405 Dayton, OH 18,948 2.5 mi
45426 Dayton, OH 15,239 3.0 mi
45428 Dayton, OH 240 4.4 mi
45414 Dayton, OH 21,055 3.4 mi
45402 Dayton, OH 11,420 4.2 mi
45417 Dayton, OH 31,281 5.1 mi
45404 Dayton, OH 10,833 5.2 mi
45377 Vandalia, OH 15,215 6.4 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 45416 in? ▼
ZIP code 45416 (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 45416? ▼
ZIP code 45416 in Dayton, OH has a population of 5,740 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45416? ▼
The median household income in ZIP 45416 is $46,174, which is 39% below the national average of $76,288.
What is the average home value in ZIP 45416? ▼
The median home value in ZIP 45416 is $81,100, which is 71% below the national average of $278,155.
What is the demographic makeup of ZIP 45416? ▼
The largest racial group in ZIP 45416 is African American at 67.5%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 45416? ▼
ZIP code 45416 has 54 business establishments employing approximately 860 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45416? ▼
The top industries by establishment count in ZIP 45416 are: Retail trade (17), Health care and social assistance (12), Other services (except public administration) (12). There are 5 industry sectors represented in total.
How have home values changed in ZIP code 45416? ▼
According to the FHFA House Price Index, home values in ZIP 45416 increased by 0.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 74%. 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 45416? ▼
In ZIP code 45416, 51.4% of residents aged 25+ have a high school diploma or higher, and 12.5% 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 45416? ▼
The mean commute time for workers in ZIP code 45416 is 22.1 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 45416? ▼
In ZIP code 45416, approximately 66.3% of occupied housing units are owner-occupied and 33.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45416? ▼
The poverty rate in ZIP code 45416 is 29.9% 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.