ZIP Code 45420
standardSource:
Dayton · Montgomery County · Ohio
- Population
- 25,438
- Median income
- $60,588
- Median home value
- $131,300
- Bachelor's or higher
- 27.9%
- Land area
- 16.0 sq mi
1,586/sq mi
▼ 21% vs US
higher than 30% of US ZIPs
▼ 53% vs US
higher than 20% of US ZIPs
Median age 36.8
New York
ZIP code 45420 in Dayton, Ohio has a population of 25,438. The median household income is $60,588, which is 21% below the national average. Median home value is $131,300, 53% below the US average. 27.9% of residents hold a bachelor's degree or higher.
ZIP code 45420 is classified by USPS as a standard delivery area and covers roughly 16.0 square miles in Dayton, Montgomery County, Ohio. The area is home to 25,438 residents, producing a population density of 1,586 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 45420 against Ohio and the nation.
On the economic side, the median household income for ZIP 45420 sits at $60,588 (17% below the Ohio average), while per-capita income is $35,342. The poverty rate stands at 13.2% and the unemployment rate at 4.5%. On housing, the median home value is $131,300 (33% below the state average) with median rent at $985 per month, and 62.4% of occupied units are owner-occupied, a direct signal of whether 45420 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 27.9% of adults hold a bachelor's degree or higher, the median age is 36.8, and the average commute is 21 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 45420 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 45420
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 45420.
- Retail trade
Retail trade
64 establishments
- Health care and social assistance
Health care and social assistance
47 establishments
- Accommodation and food services
Accommodation and food services
45 establishments
- Other services (except public administration)
Other services (except public administration)
41 establishments
- Professional, scientific, and technical services 24
Professional, scientific, and technical services
24 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 45420, 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
25,438
Population
16.0
Area (sq mi)
1,586
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45420?
36.8
Median Age
49.5%
Male
50.5%
Female
6.4%
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?
$60,588
Median Household Income
-17% vs state
$35,342
Per Capita Income
13.2%
Poverty Rate
4.5%
Unemployment Rate
21.2 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?
12,450
Total Housing Units
11,985
Occupied Units
465
Vacant Units
2.03
Avg Household Size
Occupancy Type
$131,300
Median Home Value
-33% vs state
$985
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
+9.7%
YoY Change (2024)
197
HPI Index (2000 = 100)
+97%
Total Change Since 2000
Home values in ZIP 45420 have increased 9.7% over the past year (2024). Since 2000, this ZIP has seen +97% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +11.7% | 128 |
| 2021 | +13.8% | 146 |
| 2022 | +14.4% | 167 |
| 2023 | +7.6% | 179 |
| 2024 | +9.7% | 197 |
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 329 business establishments in ZIP 45420, employing approximately 7,240 people with a combined annual payroll of $372,748,000.
329
Businesses
7,240
Employees
$372.7M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 64 | 19.4% |
| Health care and social assistance | 47 | 14.3% |
| Accommodation and food services | 45 | 13.7% |
| Other services (except public administration) | 41 | 12.5% |
| Professional, scientific, and technical services | 24 | 7.3% |
| Administrative and support and waste management and remediation services | 17 | 5.2% |
| Real estate and rental and leasing | 15 | 4.6% |
| Construction | 13 | 4.0% |
| Arts, entertainment, and recreation | 12 | 3.6% |
| Finance and insurance | 11 | 3.3% |
| Manufacturing | 10 | 3.0% |
| Wholesale trade | 8 | 2.4% |
| Educational services | 7 | 2.1% |
| Transportation and warehousing | 6 | 1.8% |
| Information | 5 | 1.5% |
| Management of companies and enterprises | 4 | 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 45420 vs 45419 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45419 | Dayton, OH | 15,159 | 2.0 mi |
| 45430 | Dayton, OH | 7,402 | 2.5 mi |
| 45410 | Dayton, OH | 15,339 | 2.5 mi |
| 45409 | Dayton, OH | 12,868 | 3.0 mi |
| 45432 | Dayton, OH | 15,288 | 2.7 mi |
| 45429 | Dayton, OH | 25,885 | 2.9 mi |
| 45403 | Dayton, OH | 15,006 | 3.5 mi |
| 45440 | Dayton, OH | 20,734 | 3.6 mi |
| 45431 | Dayton, OH | 26,315 | 4.1 mi |
| 45404 | Dayton, OH | 10,833 | 5.2 mi |
More ZIP Codes in Montgomery County
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Frequently Asked Questions
What county is ZIP code 45420 in? ▼
What is the population of ZIP code 45420? ▼
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What is the demographic makeup of ZIP 45420? ▼
How many businesses are in ZIP code 45420? ▼
What are the main industries in ZIP code 45420? ▼
How have home values changed in ZIP code 45420? ▼
What is the education level in ZIP code 45420? ▼
What is the average commute time in ZIP 45420? ▼
What percentage of residents own vs. rent in ZIP 45420? ▼
What is the poverty rate in ZIP code 45420? ▼
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.