Residential delivery area · Ohio
ZIP Code 45440: Dayton, OH
ZIP code 45440 uses the postal name Dayton, Ohio and lies mostly in Greene County (64% of its land) with the rest in Montgomery County (Census 2020 ZIP-county file). About 22,000 people live there (Census Bureau, ACS 2020-2024), the 8th most populous of Dayton's 30 residential ZIP codes. Median household income is $82,383 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Kettering (34%), Beavercreek (27%) and Centerville (7%), and under 1% in smaller places; 31% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Dayton · 30 residential ZIPs
- County
- Greene County (64%); Montgomery County (36%)
- Census places
- Kettering (34%); Beavercreek (27%); Centerville (7%)
- Metro area
- Dayton-Kettering-Beavercreek, OH
- House district
- OH-10 119th Congress
- State
- Ohio
- Time zone
- Eastern
- Land area
- 9.2 sq mi · 2,431 people per sq mi
- PO Box ZIPs
- 13 more ZIP codes use the name Dayton for PO boxes or single organizations
Where is ZIP code 45440?
45440 centers on 39.673°, -84.100° and covers 9.2 square miles of land plus 0.0 of water. It borders 7 ZIP codes: 45305, 45430, 45429, 45420, 45459, 45434, 45385.
The map draws ZIP code areas only. For the streets inside 45440, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 45440 compare with the rest of Dayton?
| Measure | 45440 | In Dayton | In Greene County | In OH |
|---|---|---|---|---|
| People (ACS 2020-2024) | 22,358 | 8th of 30 | 7th of 25 | 177th of 1,233 |
| Median household income | $82k | 9th of 25 | 11th of 17 | 231st of 755 |
| Median home value | $268k | 5th of 25 | 9th of 18 | 166th of 810 |
Its median household income is higher than in 65% of U.S. residential ZIP codes, and it is denser than 86% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 45440?
The 2020 Census counted 22,676 people in 45440; the ACS, which samples households over 2020-2024, estimates 22,358. Between the 2010 and 2020 censuses its population grew 9.4% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 22,358
- 2020 Census count
- 22,676+9.4% since 2010 (20,734)
- Households
- 9,637
- Median age
- 39.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 45440?
Of the 22,358 people the ACS estimates in 45440, 22.2% are under 18 and 20.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.8%).
- Under 1822.2%
- 18 to 6457.0%
- 65 and older20.8%
- White, not Hispanic81.8%
- Other or two or more6.1%
- Black, not Hispanic5.4%
- Hispanic or Latino5.1%
- Asian, not Hispanic1.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 45440 earn?
Median household income is $82,383 (ACS 2020-2024), the 11th highest of the 17 ranked ZIP codes in Greene County. It fell from $92,800 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $82,383
- Income per person
- $45,905
- Below the poverty line
- 11.5%
- Unemployed (of the labor force)
- 2.5%
- Adults 25+ with a bachelor's degree
- 45.5%
- Adjusted gross income per tax return, 2022
- $87,99211,530 returns; wages 67% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 45440?
FHFA's house price index for 45440, built from repeat sales and appraisals of the same homes, rose 94% from 2015 to 2025 and rose 51% from 2020 to 2025, and moved +3.3% in 2025.
- Median home value (owners' estimate)
- $267,900
- Median gross rent
- $1,164
- Homes owned by their occupants
- 62.4%
- Housing units
- 10,111
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 45440?
500 business establishments had a location in this ZIP code in 2023, 33 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade88
- Accommodation and food services70
- Health care and social assistance61
- Professional, scientific, and technical services52
- Other services (except public administration)52
- Finance and insurance40
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 45440?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 45305 | Bellbrook | 11,498 | $123k | 2.4 mi |
| 45430 | Dayton | 7,371 | $116k | 3.3 mi |
| 45429 | Dayton | 26,347 | $80k | 3.4 mi |
| 45420 | Dayton | 24,411 | $61k | 3.5 mi |
| 45459 | Dayton | 28,553 | $90k | 4.0 mi |
| 45434 | Dayton | 12,529 | $136k | 4.9 mi |
| 45385 | Xenia | 40,617 | $77k | 9.9 mi |
| 45419 | Dayton | 17,008 | $92k | 4.6 mi (near) |
| 45432 | Dayton | 15,055 | $83k | 4.6 mi (near) |
| 45301 | Alpha | 224 | – | 4.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.