PlainZIP

Dayton, OH · standard

ZIP Code 45420

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

25,438
1,586/sq mi
$60,588
Median income
$131,300
Median home value
27.9%
Bachelor's or higher

The verdict

Dayton pairs a below-median household income with among the most affordable home values nationally, in a low-density, homeowner-dominated area.

30th pct
household income, US ZIPs
20th pct
home value, US ZIPs
1,586
people per sq mi
62%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45420 against every reporting US ZIP.

ZIP code 45420 is a densely settled ZIP (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, with 25,438 residents across 16.0 square miles, a density of 1,586 people per square mile, in the New York time zone.

ZIP 45420 reports a modest median household income of $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%. Median home value sits at $131,300 (33% below the state average), median rent at $985 a month, and owner-occupancy at 62.4%.

Educational attainment sits below the national norm: 27.9% of adults hold a bachelor's degree or higher, the median age is 36.8, and the average commute is 21 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 45420 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 45420

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45420.

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 45420, 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

25,438

Population

16.0

Area (sq mi)

1,586

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 45420?

36.8

Median Age

49.5%

Male

50.5%

Female

6.4%

Foreign-Born

White 82.2%
African American 6.3%
Asian 3.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.5%
Hispanic or Latino 3.8%

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?

$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

How ZIP 45420 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$60,588 30th percentile higher than 30% 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%). This entry sits in this band. $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 57.1%
Bachelor's Degree or Higher 27.9%

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

Owner 62.4%
Renter 37.6%

$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 45420 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 45420 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 45420 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 45420 ranks #8 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 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

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 45420 in? ▼
ZIP code 45420 (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 45420? ▼
ZIP code 45420 in Dayton, OH has a population of 25,438 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45420? ▼
The median household income in ZIP 45420 is $60,588, which is 21% below the national average of $76,288.
What is the average home value in ZIP 45420? ▼
The median home value in ZIP 45420 is $131,300, which is 53% below the national average of $278,155.
What is the demographic makeup of ZIP 45420? ▼
The largest racial group in ZIP 45420 is White at 82.2%. Hispanic or Latino residents make up 3.8% of the population.
How many businesses are in ZIP code 45420? ▼
ZIP code 45420 has 329 business establishments employing approximately 7,240 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45420? ▼
The top industries by establishment count in ZIP 45420 are: Retail trade (64), Health care and social assistance (47), Accommodation and food services (45). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45420? ▼
According to the FHFA House Price Index, home values in ZIP 45420 increased by 9.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 97%. 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 45420? ▼
In ZIP code 45420, 57.1% of residents aged 25+ have a high school diploma or higher, and 27.9% 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 45420? ▼
The mean commute time for workers in ZIP code 45420 is 21.2 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 45420? ▼
In ZIP code 45420, approximately 62.4% of occupied housing units are owner-occupied and 37.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45420? ▼
The poverty rate in ZIP code 45420 is 13.2% 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.