ZIP Code 45440
standardSource:
Dayton · Montgomery County · Ohio
- Population
- 20,734
- Median income
- $82,383
- Median home value
- $267,900
- Bachelor's or higher
- 45.5%
- Land area
- 24.4 sq mi
850/sq mi
▲ 8% vs US
higher than 65% of US ZIPs
▼ 4% vs US
higher than 61% of US ZIPs
Median age 39.9
New York
ZIP code 45440 in Dayton, Ohio has a population of 20,734. The median household income is $82,383, which is 8% above the national average. Median home value is $267,900, 4% below the US average. 45.5% of residents hold a bachelor's degree or higher.
ZIP code 45440 is classified by USPS as a standard delivery area and covers roughly 24.4 square miles in Dayton, Montgomery County, Ohio. The area is home to 20,734 residents, producing a population density of 850 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 45440 against Ohio and the nation.
On the economic side, the median household income for ZIP 45440 sits at $82,383 (13% above the Ohio average), while per-capita income is $45,905. The poverty rate stands at 11.5% and the unemployment rate 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 direct signal of whether 45440 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 45.5% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is 21 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 45440 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 45440
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 45440.
- Retail trade
Retail trade
88 establishments
- Accommodation and food services
Accommodation and food services
70 establishments
- Health care and social assistance
Health care and social assistance
61 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
52 establishments
- Other services (except public administration)
Other services (except public administration)
52 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 45440, 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
20,734
Population
24.4
Area (sq mi)
850
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45440?
39.9
Median Age
47.5%
Male
52.5%
Female
5.6%
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?
$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
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?
10,111
Total Housing Units
9,637
Occupied Units
474
Vacant Units
2.29
Avg Household Size
Occupancy Type
$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 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
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Frequently Asked Questions
What county is ZIP code 45440 in? ▼
What is the population of ZIP code 45440? ▼
What is the median household income in ZIP 45440? ▼
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What is the demographic makeup of ZIP 45440? ▼
How many businesses are in ZIP code 45440? ▼
What are the main industries in ZIP code 45440? ▼
How have home values changed in ZIP code 45440? ▼
What is the education level in ZIP code 45440? ▼
What is the average commute time in ZIP 45440? ▼
What percentage of residents own vs. rent in ZIP 45440? ▼
What is the poverty rate in ZIP code 45440? ▼
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.