ZIP Code 45431
standardSource:
Dayton · Montgomery County · Ohio
- Population
- 26,315
- Median income
- $83,175
- Median home value
- $209,500
- Bachelor's or higher
- 36.0%
- Land area
- 29.7 sq mi
887/sq mi
▲ 9% vs US
higher than 66% of US ZIPs
▼ 25% vs US
higher than 46% of US ZIPs
Median age 35.4
New York
ZIP code 45431 in Dayton, Ohio has a population of 26,315. The median household income is $83,175, which is 9% above the national average. Median home value is $209,500, 25% below the US average. 36.0% of residents hold a bachelor's degree or higher.
ZIP code 45431 is classified by USPS as a standard delivery area and covers roughly 29.7 square miles in Dayton, Montgomery County, Ohio. The area is home to 26,315 residents, producing a population density of 887 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 45431 against Ohio and the nation.
On the economic side, the median household income for ZIP 45431 sits at $83,175 (14% above the Ohio average), while per-capita income is $43,597. The poverty rate stands at 9.0% and the unemployment rate at 3.4%. On housing, the median home value is $209,500 (6% above the state average) with median rent at $1,327 per month, and 50.4% of occupied units are owner-occupied, a direct signal of whether 45431 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 36.0% of adults hold a bachelor's degree or higher, the median age is 35.4, and the average commute is 20 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 45431 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 45431
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 45431.
- Retail trade
Retail trade
146 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
109 establishments
- Accommodation and food services
Accommodation and food services
92 establishments
- Health care and social assistance
Health care and social assistance
76 establishments
- Other services (except public administration) 51
Other services (except public administration)
51 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 45431, 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
26,315
Population
29.7
Area (sq mi)
887
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45431?
35.4
Median Age
50.9%
Male
49.1%
Female
6.0%
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?
$83,175
Median Household Income
+14% vs state
$43,597
Per Capita Income
9.0%
Poverty Rate
3.4%
Unemployment Rate
19.6 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?
13,565
Total Housing Units
12,529
Occupied Units
1,036
Vacant Units
2.22
Avg Household Size
Occupancy Type
$209,500
Median Home Value
+6% vs state
$1,327
Median Rent
1976
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
+7.8%
YoY Change (2024)
200
HPI Index (2000 = 100)
+100%
Total Change Since 2000
Home values in ZIP 45431 have increased 7.8% over the past year (2024). Since 2000, this ZIP has seen +100% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.5% | 137 |
| 2021 | +17.1% | 160 |
| 2022 | +8.7% | 174 |
| 2023 | +7.0% | 186 |
| 2024 | +7.8% | 200 |
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 626 business establishments in ZIP 45431, employing approximately 13,891 people with a combined annual payroll of $898,356,000.
626
Businesses
13,891
Employees
$898.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 146 | 23.3% |
| Professional, scientific, and technical services | 109 | 17.4% |
| Accommodation and food services | 92 | 14.7% |
| Health care and social assistance | 76 | 12.1% |
| Other services (except public administration) | 51 | 8.2% |
| Finance and insurance | 32 | 5.1% |
| Construction | 25 | 4.0% |
| Administrative and support and waste management and remediation services | 20 | 3.2% |
| Real estate and rental and leasing | 18 | 2.9% |
| Information | 13 | 2.1% |
| Wholesale trade | 10 | 1.6% |
| Arts, entertainment, and recreation | 10 | 1.6% |
| Manufacturing | 9 | 1.4% |
| Transportation and warehousing | 7 | 1.1% |
| Educational services | 5 | 0.8% |
| Management of companies and enterprises | 3 | 0.5% |
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 45431 vs 45432 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45432 | Dayton, OH | 15,288 | 1.8 mi |
| 45430 | Dayton, OH | 7,402 | 3.6 mi |
| 45433 | Dayton, OH | 2,011 | 3.5 mi |
| 45403 | Dayton, OH | 15,006 | 3.6 mi |
| 45434 | Dayton, OH | 12,163 | 4.0 mi |
| 45410 | Dayton, OH | 15,339 | 4.3 mi |
| 45420 | Dayton, OH | 25,438 | 4.1 mi |
| 45404 | Dayton, OH | 10,833 | 4.7 mi |
| 45440 | Dayton, OH | 20,734 | 6.3 mi |
| 45301 | Alpha, OH | 130 | 4.8 mi |
More ZIP Codes in Montgomery County
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Frequently Asked Questions
What county is ZIP code 45431 in? ▼
What is the population of ZIP code 45431? ▼
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What is the demographic makeup of ZIP 45431? ▼
How many businesses are in ZIP code 45431? ▼
What are the main industries in ZIP code 45431? ▼
How have home values changed in ZIP code 45431? ▼
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What is the average commute time in ZIP 45431? ▼
What percentage of residents own vs. rent in ZIP 45431? ▼
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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.