45403 ZIP Code — Dayton, OH

Montgomery County, Ohio

ZIP code 45403 is located in Dayton, Ohio, within Montgomery County. It covers approximately 3.15 square miles and serves a population of 13,002 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45403

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $67,300. Renters make up the majority at 60%, typical of denser urban areas.

Median household income is $32,428. Poverty affects 35% of residents, above the national average. SNAP benefit usage at 26% of households reflects economic stress in the area.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (45%), smoking (34%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 22%.

Overall, ZIP code 45403 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

13,002

population

3.15

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45403 ZIP code map

Cities in ZIP code 45403

Below are the cities the US Postal Service accepts for ZIP code 45403. Using any city not on this list may result in mail delivery delays.

City	Status
Dayton	Preferred

Nearby ZIP codes

45410 Dayton (1.5 mi) 45404 Dayton (1.9 mi) 45448 Dayton (2.3 mi) 45423 Dayton (2.4 mi) 45482 Dayton (2.4 mi) 45481 Dayton (2.4 mi) 45412 Dayton (2.4 mi) 45470 Dayton (2.4 mi) 45422 Dayton (2.5 mi) 45469 Dayton (2.5 mi) 45479 Dayton (2.5 mi) 45402 Dayton (2.6 mi)

Demographics updated 06/2026

Population
Total population	13,002
Population density	4,128 / sq mi
State FIPS	39
County FIPS	113

Geography
Land area	3.15 sq mi
Water area	0.01 sq mi
Latitude	39.7683
Longitude	-84.1488
Timezone	Eastern (ET)
Area code	326/937

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	71.1%	46.3%	43.3%
$50k – $100k	23.3%	30.6%	31.4%
$100k – $200k	5.7%	18.5%	20.0%
Over $200k	0.0%	4.5%	5.2%

Demographics & statistics

13,002

Population

4,128

People per sq mi

36.1

Median age

$32,428

Median household income

$21,392

Per capita income

$67,300

Median home value

$676

Median monthly rent

39.8%

Home ownership

35.4%

Poverty rate

11.9%

Unemployment

3,707

Housing units

11.4%

Bachelor's or higher

Age distribution

Male Female

471

Under 5

440

280

5–9

262

362

10–14

338

474

15–19

443

503

20–24

471

1,178

25–34

1,101

958

35–44

896

661

45–54

619

552

55–59

516

512

60–64

478

343

65–74

320

324

75–84

304

101

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,672	20.6%
18 and over	10,330	79.4%
65 and over	1,487	11.4%
Median age	36.1 years

Race & ethnicity

White 65.3%

Black or African American 13.3%

Hispanic or Latino 7.3%

Two or more races 7.1%

Other race 5%

American Indian / Alaska Native 1.3%

Asian 0.7%

Group	Count	%
White	9,160	65.3%
Black or African American	1,869	13.3%
Hispanic or Latino	1,022	7.3%
Two or more races	995	7.1%
Other race	701	5%
American Indian / Alaska Native	183	1.3%
Asian	94	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	71.1%	46.3%	43.3%
$50k – $100k	23.3%	30.6%	31.4%
$100k – $200k	5.7%	18.5%	20.0%
Over $200k	0.0%	4.5%	5.2%

Under $10k 9.3%

$10k–$15k 14.9%

$15k–$25k 18.4%

$25k–$35k 8.6%

$35k–$50k 14.8%

$50k–$75k 15.6%

$75k–$100k 9.7%

$100k–$150k 7.3%

$150k–$200k 1.1%

$200k+ 0.3%

Range	% of households
Under $10k	9.3%
$10k–$15k	14.9%
$15k–$25k	18.4%
$25k–$35k	8.6%
$35k–$50k	14.8%
$50k–$75k	15.6%
$75k–$100k	9.7%
$100k–$150k	7.3%
$150k–$200k	1.1%
$200k+	0.3%
Median income	$32,428

Housing

Home values

Under $50k 25.7%

$50k–$100k 48.3%

$100k–$150k 10.9%

$150k–$200k 4.0%

$200k–$300k 9.5%

$300k–$500k 1.1%

$500k–$1M 0.3%

Housing overview

Metric	Value
Median home value	$67,300
Median rent / month	$676
Owner occupied	39.8%
Renter occupied	60.2%
Vacant	17.4%
Single-family detached	56.7%
Large apartment buildings	2.0%
Mobile homes	0.4%
Median rooms	5.2
Avg household size (owned)	2.31

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	0.2%
1990–1999	1.3%
1980–1989	3.0%
1970–1979	11.9%
1960–1969	6.1%
1950–1959	22.3%
1940–1949	10.1%
1939 or earlier	45.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	25.4%
2 bedrooms	32.1%
3 bedrooms	34.0%
4 bedrooms	6.2%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	25.2%
1 vehicle	40.6%
2 vehicles	23.4%
3 or more	10.7%

Heating fuel

Fuel type	%
Utility gas	72.6%
Electricity	26.6%
Propane / LP gas	0.5%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	1,362	22.4%
Cohabiting couple	433	7.1%
Male householder, no spouse	2,232	36.7%
Female householder, no spouse	2,063	33.9%
Households with children under 18	1,610	26.4%
Households with seniors (65+)	1,198	19.7%
Average household size	2.11

Marital status

Status	Male	Female
Never married	45.7%	43.9%
Married	25.9%	28.0%
Separated	5.0%	1.6%
Widowed	4.4%	9.9%
Divorced	19.0%	16.6%

Education

Less than 9th grade 5.9%

Some HS, no diploma 16.0%

HS graduate 30.2%

Some college, no degree 24.5%

Associate's degree 11.9%

Bachelor's degree 8.0%

Graduate / professional 3.5%

Metric	%
HS diploma or higher	78.1%
Bachelor's or higher	11.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	81	2.9%
Kindergarten	138	5.0%
Elementary school	1,096	39.9%
High school	717	26.1%
College / grad school	718	26.1%

Employment

Industry of employment

Education & healthcare 21.4%

Manufacturing 13.2%

Arts, food & hospitality 13.1%

Professional & management 11.7%

Transportation & utilities 10.0%

Construction 7.5%

Finance & real estate 7.1%

Retail trade 6.6%

Other services 4.4%

Wholesale trade 1.8%

Information 1.6%

Public administration 1.6%

Occupation

Category	%
Management, business & arts	23.8%
Service	20.4%
Sales & office	23.0%
Natural resources & construction	9.2%
Production & transportation	23.5%

Employment type

Type	%
Private sector	86.6%
Government	7.5%
Self-employed	5.5%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	71.0%
Carpool	14.5%
Public transit	3.8%
Walk	6.2%
Work from home	2.7%
Other means	1.8%
Avg commute (minutes)	24.9

Poverty

All people 35.4%

Under 18 years 64.1%

18 and over 27.9%

Married-couple families 11.2%

Female-led households 55.8%

Income support

Source	% of households
Social Security	29.3%
Retirement income	17.8%
Supplemental Security	17.3%
Cash public assistance	2.7%
Food stamps / SNAP	26.4%

Health indicators

Condition	%
Obesity	44.9%
High blood pressure	38.0%
High cholesterol	32.0%
Diabetes	14.9%
Heart disease	8.7%
Stroke	4.8%
Asthma	12.8%
Arthritis	31.0%
Kidney disease	3.9%
Pulmonary disease	14.3%
Cancer	5.8%

Behavior / access	%
Smoking	33.6%
Binge drinking	17.1%
No physical activity	37.9%
Less than 7 hrs sleep	41.5%
Depression	27.7%
Fair or poor health	27.5%
Poor mental health	21.7%
Poor physical health	16.6%
No health insurance	19.5%
Visited doctor (checkup)	77.3%
Visited dentist	44.2%
Cholesterol screening	82.2%
Teeth loss	29.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	729	7.1%

Disability	%
Any disability	22.4%
Under 18	11.1%
18–64 years	21.4%
65 and over	51.0%

Health insurance coverage

Type	%
Private insurance	40.3%
Public insurance	55.7%
No insurance	10.5%
Uninsured under 19	2.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,091	93.0%
Spanish	713	5.9%
Other Indo-European	509	4.2%
Asian & Pacific Islander	48	0.4%
Other languages	134	1.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,199	93.8%
Born in same state	12,075	92.9%
Born in different state	9,578	73.7%
Foreign born	124	1.0%
Naturalized citizen	803	6.2%
Not a US citizen	267	33.3%

Ancestry

Ancestry	Count	%
Italian	1,941	14.9%
French	611	4.7%
Arab	556	4.3%
English	165	1.3%

Ancestry	Count	%
Irish	47	0.4%
Norwegian	33	0.3%
Polish	25	0.2%

Technology access

Metric	% of households
Computer access	46.8%
Internet access	85.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 45403

What city is ZIP code 45403 in?

ZIP code 45403 is primarily assigned to Dayton, Ohio.

What county is ZIP code 45403 in?

ZIP code 45403 falls within Montgomery County, Ohio.

What is the poverty rate in ZIP code 45403?

35% of residents in ZIP code 45403 live below the poverty line, above the national average.

Is ZIP code 45403 mostly rentals?

60% of occupied units in ZIP code 45403 are renter-occupied.

How educated is the population of ZIP code 45403?

11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 45403?

The median home value in ZIP code 45403 is $67,300.

What timezone is ZIP code 45403 in?

ZIP code 45403 observes the EST timezone.