Dayton, OH · standard
ZIP Code 45431
Montgomery County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 26,315
- 887/sq mi High-density area
- $83,175
- Median income Near-median income area
- $209,500
- Median home value Near-median home value
- 36.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Dayton pairs an above-median household income with below-median home values, in a low-density, mixed-tenure area.
- Top 34%
- household income, US ZIPs
- 46th pct
- home value, US ZIPs
- 887
- people per sq mi
- 50%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45431 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45431 (Dayton, OH) rose +7.8% from 2023 to 2024. The all-transactions index moved from 185.8 in 2023 to 200.4 in 2024 (2000 = 100).
ZIP code 45431 is a densely settled ZIP (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, with 26,315 residents across 29.7 square miles, a density of 887 people per square mile, in the New York time zone.
ZIP 45431 lands in the middle-income range, with a median household income of $83,175 (14% above the average Ohio ZIP), while per-capita income is $43,597. The poverty rate is 9.0%, with unemployment at 3.4%; those measures add context to the income figure. Median home value is $209,500 (6% above the average Ohio ZIP) and median rent is $1,327; 50.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 36.0% of adults hold a bachelor's degree or higher, the median age is 35.4, and the average commute is 20 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 45431 can be compared with both its immediate and county-level context.
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 45431
Top 5 sectors by establishment count in Dayton, OH
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$43,597
Per Capita Income
9.0%
Poverty Rate
3.4%
Unemployment Rate
19.6 min
Mean Commute Time
How ZIP 45431 ranks among Ohio ZIPs
Dayton, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$83,175 Top 27% higher than 73% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
13,565housing units
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 ZIP avg
$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 45431 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45431
Dayton (45431)
26,315 residents
- 45420
Dayton (45420)
25,438 residents
- 45440
Dayton (45440)
20,734 residents
- 45410
Dayton (45410)
15,339 residents
- 45432
Dayton (45432)
15,288 residents
- 45403
Dayton (45403)
15,006 residents
- 45434
Dayton (45434)
12,163 residents
- 45404
Dayton (45404)
10,833 residents
- 45430 7,402
Dayton (45430)
7,402 residents
What this shows Among its immediate neighbors, ZIP 45431 ranks the most populous - useful context the national average alone can't give.
ZIP 45431 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45434
Dayton (45434)
$135,948 median income
- 45430
Dayton (45430)
$115,461 median income
- 45433
Dayton (45433)
$89,615 median income
- 45431
Dayton (45431)
$83,175 median income
- 45432
Dayton (45432)
$83,115 median income
- 45440
Dayton (45440)
$82,383 median income
- 45420
Dayton (45420)
$60,588 median income
- 45410 $46,651
Dayton (45410)
$46,651 median income
- 45404 $38,874
Dayton (45404)
$38,874 median income
What this shows By household income, ZIP 45431 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45431, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (26,315 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 45431 in?
ZIP code 45431 (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 45431?
ZIP code 45431 in Dayton, OH has a population of 26,315 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45431?
The median household income in ZIP 45431 is $83,175, which is 9% above the national average of $76,288.
What is the average home value in ZIP 45431?
The median home value in ZIP 45431 is $209,500, which is 25% below the national average of $278,155.
What is the demographic makeup of ZIP 45431?
The largest racial group in ZIP 45431 is White at 81.0%. Hispanic or Latino residents make up 5.1% of the population.
How many businesses are in ZIP code 45431?
ZIP code 45431 has 626 business establishments employing approximately 13,891 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45431?
The top industries by establishment count in ZIP 45431 are: Retail trade (146), Professional, scientific, and technical services (109), Accommodation and food services (92). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45431?
According to the FHFA House Price Index, home values in ZIP 45431 increased by 7.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 100%. 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 45431?
In ZIP code 45431, 62.0% of residents aged 25+ have a high school diploma or higher, and 36.0% 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 45431?
The mean commute time for workers in ZIP code 45431 is 19.6 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 45431?
In ZIP code 45431, approximately 50.4% of occupied housing units are owner-occupied and 49.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45431?
The poverty rate in ZIP code 45431 is 9.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 45431's numbers, next.
- See how ZIP 45431 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Dayton, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.