PlainZIP

Dayton, OH · standard

ZIP Code 45432

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

15,288
785/sq mi
$83,115
Median income
$183,300
Median home value
37.1%
Bachelor's or higher

The verdict

Dayton pairs an above-median household income with below-median home values, in a low-density, homeowner-dominated area.

Top 34%
household income, US ZIPs
39th pct
home value, US ZIPs
785
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45432 against every reporting US ZIP.

ZIP code 45432 is a mid-sized community (a standard USPS delivery area) in Dayton, Greene County, Ohio, home to 15,288 residents across 19.5 square miles, a density of 785 people per square mile, in the New York time zone.

ZIP 45432 lands in the middle-income range, with a median household income of $83,115 (14% above the Ohio average), while per-capita income is $39,973. Poverty here runs at 11.8%, with unemployment measured at 4.1%. The typical home here is valued at $183,300 (7% below the state average); renters pay a median of $872 monthly, and 78.8% of units are owner-occupied.

A solid share of residents have a four-year degree: 37.1% of adults hold a bachelor's degree or higher, the median age is 40, and the average commute is 21 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45432, plus 6 more within Greene 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 45432

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45432.

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 45432, 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

15,288

Population

19.5

Area (sq mi)

785

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 45432?

40.0

Median Age

47.4%

Male

52.6%

Female

4.5%

Foreign-Born

White 83.6%
African American 3.4%
Asian 4.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 6.5%
Hispanic or Latino 3.4%

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?

$83,115

Median Household Income

+14% vs state

$39,973

Per Capita Income

11.8%

Poverty Rate

4.1%

Unemployment Rate

21.0 min

Mean Commute Time

How ZIP 45432 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$83,115 Top 34% higher than 66% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 61.9%
Bachelor's Degree or Higher 37.1%

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

What does housing look like?

6,617

Total Housing Units

6,467

Occupied Units

150

Vacant Units

2.31

Avg Household Size

Occupancy Type

Owner 78.8%
Renter 21.2%

$183,300

Median Home Value

-7% vs state

$872

Median Rent

1960

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

+4.0%

YoY Change (2024)

191

HPI Index (2000 = 100)

+91%

Total Change Since 2000

Home values in ZIP 45432 have increased 4.0% over the past year (2024). Since 2000, this ZIP has seen +91% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.2% 138
2021 +9.9% 152
2022 +9.7% 167
2023 +10.2% 184
2024 +4.0% 191

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 331 business establishments in ZIP 45432, employing approximately 4,073 people with a combined annual payroll of $213,166,000.

331

Businesses

4,073

Employees

$213.2M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 63 19.0%
Retail trade 46 13.9%
Other services (except public administration) 40 12.1%
Accommodation and food services 32 9.7%
Professional, scientific, and technical services 29 8.8%
Construction 28 8.5%
Finance and insurance 20 6.0%
Administrative and support and waste management and remediation services 19 5.7%
Manufacturing 13 3.9%
Real estate and rental and leasing 11 3.3%
Wholesale trade 10 3.0%
Arts, entertainment, and recreation 6 1.8%
Transportation and warehousing 5 1.5%
Educational services 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 45432 vs 45430 →

ZIP 45432 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 45432 ranks #5 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 45432 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 45432 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
45430 Dayton, OH 7,402 1.8 mi
45431 Dayton, OH 26,315 1.8 mi
45420 Dayton, OH 25,438 2.7 mi
45434 Dayton, OH 12,163 3.2 mi
45440 Dayton, OH 20,734 4.5 mi
45410 Dayton, OH 15,339 3.9 mi
45301 Alpha, OH 130 3.9 mi
45403 Dayton, OH 15,006 3.9 mi
45433 Dayton, OH 2,011 5.3 mi
45419 Dayton, OH 15,159 4.7 mi

More ZIP Codes in Greene County

45324 standard
Fairborn, OH
Pop: 40,529
45385 standard
Xenia, OH
Pop: 37,247
45434 standard
Dayton, OH
Pop: 12,163
45305 standard
Bellbrook, OH
Pop: 10,712
45430 standard
Dayton, OH
Pop: 7,402
45335 standard
Jamestown, OH
Pop: 6,939

Related Areas

Greene County Dayton, OH Ohio

Frequently Asked Questions

What county is ZIP code 45432 in? ▼
ZIP code 45432 (Dayton) is located in Greene County, Ohio. Greene County contains multiple ZIP codes, see the full list at /counties/greene-oh.
What is the population of ZIP code 45432? ▼
ZIP code 45432 in Dayton, OH has a population of 15,288 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45432? ▼
The median household income in ZIP 45432 is $83,115, which is 9% above the national average of $76,288.
What is the average home value in ZIP 45432? ▼
The median home value in ZIP 45432 is $183,300, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 45432? ▼
The largest racial group in ZIP 45432 is White at 83.6%. Hispanic or Latino residents make up 3.4% of the population.
How many businesses are in ZIP code 45432? ▼
ZIP code 45432 has 331 business establishments employing approximately 4,073 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45432? ▼
The top industries by establishment count in ZIP 45432 are: Health care and social assistance (63), Retail trade (46), Other services (except public administration) (40). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 45432? ▼
According to the FHFA House Price Index, home values in ZIP 45432 increased by 4.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 91%. 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 45432? ▼
In ZIP code 45432, 61.9% of residents aged 25+ have a high school diploma or higher, and 37.1% 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 45432? ▼
The mean commute time for workers in ZIP code 45432 is 21.0 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 45432? ▼
In ZIP code 45432, approximately 78.8% of occupied housing units are owner-occupied and 21.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45432? ▼
The poverty rate in ZIP code 45432 is 11.8% 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.