45409 ZIP Code — Dayton, OH

Montgomery County, Ohio

ZIP code 45409 is located in Dayton, Ohio, within Montgomery County. It covers approximately 3.68 square miles and serves a population of 15,788 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45409

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 $210,700. Owner-occupancy sits near the national average at 69%.

The gap between median ($74,375) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 22% of residents, above the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 15 minutes is near the national average.

Educational attainment is high — 62% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Health indicators show elevated rates of poor mental health (23%) compared to national benchmarks.

Overall, ZIP code 45409 reflects a community defined by a highly educated population and economic challenges above the national average.

15,788

population

3.68

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45409 ZIP code map

Cities in ZIP code 45409

Below are the cities the US Postal Service accepts for ZIP code 45409. Using any city not on this list may result in mail delivery delays.

City	Status
Dayton	Acceptable
Dayton	Acceptable
Dayton	Preferred

Nearby ZIP codes

45419 Dayton (1.2 mi) 45419 Dayton (1.2 mi) 45419 Dayton (1.2 mi) 45419 Dayton (1.2 mi) 45423 Dayton (2.3 mi) 45423 Dayton (2.3 mi) 45410 Dayton (2.3 mi) 45410 Dayton (2.3 mi) 45479 Dayton (2.4 mi) 45479 Dayton (2.4 mi) 45469 Dayton (2.4 mi) 45469 Dayton (2.4 mi)

Demographics updated 06/2026

Population
Total population	15,788
Population density	4,290 / sq mi
State FIPS	39
County FIPS	113

Geography
Land area	3.68 sq mi
Water area	0.04 sq mi
Latitude	39.7239
Longitude	-84.1859
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	38.1%	46.3%	43.3%
$50k – $100k	30.4%	30.6%	31.4%
$100k – $200k	19.8%	18.5%	20.0%
Over $200k	11.7%	4.5%	5.2%

Demographics & statistics

15,788

Population

4,290

People per sq mi

20.8

Median age

$74,375

Median household income

$23,416

Per capita income

$210,700

Median home value

$1,063

Median monthly rent

69.1%

Home ownership

22.2%

Poverty rate

12.5%

Unemployment

2,612

Housing units

62.0%

Bachelor's or higher

Age distribution

Male Female

101

Under 5

102

107

5–9

108

226

10–14

227

2,590

15–19

2,605

2,604

20–24

2,620

445

25–34

448

324

35–44

325

475

45–54

478

289

55–59

291

112

60–64

113

331

65–74

334

168

75–84

169

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,228	7.8%
18 and over	14,560	92.2%
65 and over	1,198	7.6%
Median age	20.8 years

Race & ethnicity

White 83.9%

Black or African American 4.8%

Two or more races 4.8%

Hispanic or Latino 3%

Asian 2.9%

Other race 0.7%

Group	Count	%
White	13,653	83.9%
Black or African American	777	4.8%
Two or more races	776	4.8%
Hispanic or Latino	481	3%
Asian	474	2.9%
Other race	108	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.1%	46.3%	43.3%
$50k – $100k	30.4%	30.6%	31.4%
$100k – $200k	19.8%	18.5%	20.0%
Over $200k	11.7%	4.5%	5.2%

Under $10k 11.6%

$10k–$15k 4.4%

$15k–$25k 8.1%

$25k–$35k 6.5%

$35k–$50k 9.8%

$50k–$75k 10.0%

$75k–$100k 10.5%

$100k–$150k 16.8%

$150k–$200k 8.2%

$200k+ 14.1%

Range	% of households
Under $10k	11.6%
$10k–$15k	4.4%
$15k–$25k	8.1%
$25k–$35k	6.5%
$35k–$50k	9.8%
$50k–$75k	10.0%
$75k–$100k	10.5%
$100k–$150k	16.8%
$150k–$200k	8.2%
$200k+	14.1%
Median income	$74,375

Housing

Home values

Under $50k 0.2%

$50k–$100k 6.7%

$100k–$150k 21.3%

$150k–$200k 18.4%

$200k–$300k 26.0%

$300k–$500k 22.0%

$500k–$1M 4.3%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$210,700
Median rent / month	$1,063
Owner occupied	69.1%
Renter occupied	30.9%
Vacant	14.8%
Single-family detached	63.2%
Large apartment buildings	10.2%
Mobile homes	0.0%
Median rooms	5.8
Avg household size (owned)	2.39

Year built

Era	%
2020 or later	0.0%
2010–2019	2.4%
2000–2009	8.4%
1990–1999	3.0%
1980–1989	2.3%
1970–1979	5.3%
1960–1969	11.2%
1950–1959	14.7%
1940–1949	21.2%
1939 or earlier	31.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.2%
1 bedroom	11.9%
2 bedrooms	29.8%
3 bedrooms	38.1%
4 bedrooms	12.7%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	7.4%
1 vehicle	32.7%
2 vehicles	37.7%
3 or more	22.1%

Heating fuel

Fuel type	%
Utility gas	77.6%
Electricity	21.4%
Propane / LP gas	1.0%

Households & families

Household type	Count	%
Married-couple family	1,343	44.5%
Cohabiting couple	95	3.1%
Male householder, no spouse	707	23.4%
Female householder, no spouse	876	29.0%
Households with children under 18	700	23.2%
Households with seniors (65+)	820	27.1%
Average household size	2.30

Marital status

Status	Male	Female
Never married	78.7%	71.8%
Married	18.1%	19.4%
Separated	0.3%	0.5%
Widowed	0.2%	3.1%
Divorced	2.7%	5.2%

Education

Less than 9th grade 0.5%

Some HS, no diploma 3.1%

HS graduate 10.1%

Some college, no degree 18.7%

Associate's degree 5.5%

Bachelor's degree 36.9%

Graduate / professional 25.1%

Metric	%
HS diploma or higher	96.4%
Bachelor's or higher	62.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	47	0.4%
Kindergarten	10	0.1%
Elementary school	589	5.3%
High school	410	3.7%
College / grad school	10,055	90.5%

Employment

Industry of employment

Education & healthcare 34.0%

Retail trade 13.8%

Arts, food & hospitality 13.3%

Manufacturing 9.2%

Professional & management 8.6%

Finance & real estate 5.2%

Other services 4.0%

Public administration 3.3%

Transportation & utilities 2.5%

Information 2.5%

Construction 2.4%

Wholesale trade 1.0%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	43.5%
Service	21.6%
Sales & office	24.0%
Natural resources & construction	2.9%
Production & transportation	7.9%

Employment type

Type	%
Private sector	83.4%
Government	12.3%
Self-employed	4.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	54.0%
Carpool	4.4%
Public transit	1.8%
Walk	27.7%
Work from home	12.0%
Other means	0.1%
Avg commute (minutes)	15.4

Poverty

All people 22.2%

Under 18 years 9.7%

18 and over 24.9%

Married-couple families 1.6%

Female-led households 44.2%

Income support

Source	% of households
Social Security	26.9%
Retirement income	18.8%
Supplemental Security	3.5%
Cash public assistance	0.9%
Food stamps / SNAP	4.5%

Health indicators

Condition	%
Obesity	32.4%
High blood pressure	20.8%
High cholesterol	20.0%
Diabetes	5.7%
Heart disease	3.5%
Stroke	1.7%
Asthma	12.3%
Arthritis	15.3%
Kidney disease	1.9%
Pulmonary disease	5.6%
Cancer	3.5%

Behavior / access	%
Smoking	17.3%
Binge drinking	21.3%
No physical activity	23.2%
Less than 7 hrs sleep	35.5%
Depression	27.7%
Fair or poor health	13.0%
Poor mental health	22.6%
Poor physical health	8.4%
No health insurance	12.1%
Visited doctor (checkup)	75.8%
Visited dentist	58.9%
Cholesterol screening	74.8%
Teeth loss	11.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	423	2.9%

Disability	%
Any disability	6.2%
Under 18	2.6%
18–64 years	4.7%
65 and over	28.5%

Health insurance coverage

Type	%
Private insurance	89.1%
Public insurance	14.2%
No insurance	2.0%
Uninsured under 19	3.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,585	98.7%
Spanish	330	2.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	102	0.7%
Other languages	194	1.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	15,181	96.2%
Born in same state	15,027	95.2%
Born in different state	8,577	54.3%
Foreign born	154	1.0%
Naturalized citizen	607	3.8%
Not a US citizen	213	35.1%

Ancestry

Ancestry	Count	%
Italian	3,048	19.3%
French	1,126	7.1%
Arab	408	2.6%
Irish	348	2.2%
Polish	225	1.4%

Ancestry	Count	%
English	111	0.7%
Dutch	95	0.6%
Norwegian	81	0.5%
German	18	0.1%

Technology access

Metric	% of households
Computer access	19.1%
Internet access	95.8%

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

Frequently asked questions about ZIP code 45409

What city is ZIP code 45409 in?

ZIP code 45409 is primarily assigned to Dayton, Ohio.

What county is ZIP code 45409 in?

ZIP code 45409 falls within Montgomery County, Ohio.

How educated is the population of ZIP code 45409?

62% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the poverty rate in ZIP code 45409?

22% of residents in ZIP code 45409 live below the poverty line, above the national average.

What is the population of ZIP code 45409?

ZIP code 45409 has an estimated population of 15,788 residents, with a density of 4,294 people per square mile.

What is the typical home value in ZIP code 45409?

The median home value in ZIP code 45409 is $210,700.

What timezone is ZIP code 45409 in?

ZIP code 45409 observes the EST timezone.