PlainZIP

Dayton, OH · standard

ZIP Code 45440

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

20,734
850/sq mi
$82,383
Median income
$267,900
Median home value
45.5%
Bachelor's or higher

The verdict

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

Top 35%
household income, US ZIPs
Top 39%
home value, US ZIPs
850
people per sq mi
62%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45440 against every reporting US ZIP.

ZIP code 45440 is a densely settled ZIP (a standard USPS delivery area) in Dayton, Montgomery County, Ohio, with 20,734 residents across 24.4 square miles, a density of 850 people per square mile, in the New York time zone.

ZIP 45440 lands in the middle-income range, with a median household income of $82,383 (13% above the Ohio average), while per-capita income is $45,905. Poverty here runs at 11.5%, with unemployment measured at 2.5%. On housing, the median home value is $267,900 (36% above the state average) with median rent at $1,164 per month, and 62.4% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 45.5% of adults hold a bachelor's degree or higher, the median age is 39.9, 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 45440 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 45440

Top 5 sectors by establishment count in Dayton, OH

Which industries have the most business establishments in ZIP 45440.

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 45440, 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

20,734

Population

24.4

Area (sq mi)

850

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 45440?

39.9

Median Age

47.5%

Male

52.5%

Female

5.6%

Foreign-Born

White 82.5%
African American 5.4%
Asian 1.7%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.0%
Hispanic or Latino 5.1%

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?

$82,383

Median Household Income

+13% vs state

$45,905

Per Capita Income

11.5%

Poverty Rate

2.5%

Unemployment Rate

21.2 min

Mean Commute Time

How ZIP 45440 ranks nationally

Dayton, OH household income vs. every US ZIP code

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

$82,383 Top 35% higher than 65% 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 67.8%
Bachelor's Degree or Higher 45.5%

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

What does housing look like?

10,111

Total Housing Units

9,637

Occupied Units

474

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 62.4%
Renter 37.6%

$267,900

Median Home Value

+36% vs state

$1,164

Median Rent

1971

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

+7.6%

YoY Change (2024)

213

HPI Index (2000 = 100)

+113%

Total Change Since 2000

Home values in ZIP 45440 have increased 7.6% over the past year (2024). Since 2000, this ZIP has seen +113% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.4% 144
2021 +12.0% 161
2022 +11.9% 180
2023 +9.9% 198
2024 +7.6% 213

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 500 business establishments in ZIP 45440, employing approximately 8,039 people with a combined annual payroll of $354,642,000.

500

Businesses

8,039

Employees

$354.6M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 88 17.6%
Accommodation and food services 70 14.0%
Health care and social assistance 61 12.2%
Professional, scientific, and technical services 52 10.4%
Other services (except public administration) 52 10.4%
Finance and insurance 40 8.0%
Construction 35 7.0%
Real estate and rental and leasing 23 4.6%
Administrative and support and waste management and remediation services 23 4.6%
Manufacturing 13 2.6%
Wholesale trade 11 2.2%
Educational services 9 1.8%
Arts, entertainment, and recreation 9 1.8%
Information 8 1.6%
Transportation and warehousing 3 0.6%
Management of companies and enterprises 3 0.6%

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 45440 vs 45430 →

ZIP 45440 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 45440 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 45440 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 45440 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
45430 Dayton, OH 7,402 2.8 mi
45305 Bellbrook, OH 10,712 2.9 mi
45429 Dayton, OH 25,885 3.4 mi
45420 Dayton, OH 25,438 3.6 mi
45432 Dayton, OH 15,288 4.5 mi
45459 Dayton, OH 27,749 4.2 mi
45419 Dayton, OH 15,159 4.5 mi
45431 Dayton, OH 26,315 6.3 mi
45301 Alpha, OH 130 4.8 mi
45434 Dayton, OH 12,163 5.0 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 45440 in? ▼
ZIP code 45440 (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 45440? ▼
ZIP code 45440 in Dayton, OH has a population of 20,734 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45440? ▼
The median household income in ZIP 45440 is $82,383, which is 8% above the national average of $76,288.
What is the average home value in ZIP 45440? ▼
The median home value in ZIP 45440 is $267,900, which is 4% below the national average of $278,155.
What is the demographic makeup of ZIP 45440? ▼
The largest racial group in ZIP 45440 is White at 82.5%. Hispanic or Latino residents make up 5.1% of the population.
How many businesses are in ZIP code 45440? ▼
ZIP code 45440 has 500 business establishments employing approximately 8,039 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45440? ▼
The top industries by establishment count in ZIP 45440 are: Retail trade (88), Accommodation and food services (70), Health care and social assistance (61). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45440? ▼
According to the FHFA House Price Index, home values in ZIP 45440 increased by 7.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 113%. 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 45440? ▼
In ZIP code 45440, 67.8% of residents aged 25+ have a high school diploma or higher, and 45.5% 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 45440? ▼
The mean commute time for workers in ZIP code 45440 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 45440? ▼
In ZIP code 45440, 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 45440? ▼
The poverty rate in ZIP code 45440 is 11.5% 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.