45404 ZIP Code — Dayton, OH

Montgomery County, Ohio

ZIP code 45404 is located in Dayton, Ohio, within Montgomery County. It covers approximately 7.56 square miles and serves a population of 10,380 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45404

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 $68,200. Renters make up the majority at 58%, typical of denser urban areas.

Median household income is $34,805. Poverty affects 37% of residents, above the national average. SNAP benefit usage at 31% of households reflects economic stress in the area. 39% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 21 minutes is near the national average.

College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (31%) compared to national benchmarks.

Overall, ZIP code 45404 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

10,380

population

7.56

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45404 ZIP code map

Cities in ZIP code 45404

Below are the cities the US Postal Service accepts for ZIP code 45404. Using any city not on this list may result in mail delivery delays.

City	Status
Dayton	Acceptable
Dayton	Preferred

Nearby ZIP codes

45403 Dayton (1.9 mi) 45448 Dayton (2.8 mi) 45405 Dayton (2.9 mi) 45470 Dayton (2.9 mi) 45412 Dayton (2.9 mi) 45482 Dayton (2.9 mi) 45481 Dayton (2.9 mi) 45422 Dayton (3 mi) 45402 Dayton (3 mi) 45479 Dayton (3 mi) 45469 Dayton (3 mi) 45423 Dayton (3 mi)

Demographics updated 05/2026

Population
Total population	10,380
Population density	1,373 / sq mi
State FIPS	39
County FIPS	113

Geography
Land area	7.56 sq mi
Water area	0.36 sq mi
Latitude	39.7943
Longitude	-84.1616
Timezone	Eastern (ET)
Area code	326/937

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	71.7%	46.3%	43.3%
$50k – $100k	22.8%	30.6%	31.4%
$100k – $200k	5.5%	18.5%	20.0%
Over $200k	0.0%	4.5%	5.2%

Demographics & statistics

10,380

Population

1,373

People per sq mi

32.1

Median age

$34,805

Median household income

$17,842

Per capita income

$68,200

Median home value

$884

Median monthly rent

41.9%

Home ownership

36.5%

Poverty rate

10.1%

Unemployment

2,353

Housing units

5.7%

Bachelor's or higher

Age distribution

Male Female

351

Under 5

310

524

5–9

462

561

10–14

495

315

15–19

278

410

20–24

363

767

25–34

678

619

35–44

546

416

45–54

368

355

55–59

313

505

60–64

446

495

65–74

437

123

75–84

109

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	3,097	29.8%
18 and over	7,283	70.2%
65 and over	1,298	12.5%
Median age	32.1 years

Race & ethnicity

White 77.9%

Black or African American 15.1%

Two or more races 4.7%

Asian 1.1%

Hispanic or Latino 1%

Other race 0.3%

Group	Count	%
White	8,164	77.9%
Black or African American	1,585	15.1%
Two or more races	489	4.7%
Asian	114	1.1%
Hispanic or Latino	103	1%
Other race	28	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	71.7%	46.3%	43.3%
$50k – $100k	22.8%	30.6%	31.4%
$100k – $200k	5.5%	18.5%	20.0%
Over $200k	0.0%	4.5%	5.2%

Under $10k 14.3%

$10k–$15k 11.5%

$15k–$25k 13.1%

$25k–$35k 11.4%

$35k–$50k 13.1%

$50k–$75k 20.3%

$75k–$100k 8.7%

$100k–$150k 6.7%

$200k+ 0.9%

Range	% of households
Under $10k	14.3%
$10k–$15k	11.5%
$15k–$25k	13.1%
$25k–$35k	11.4%
$35k–$50k	13.1%
$50k–$75k	20.3%
$75k–$100k	8.7%
$100k–$150k	6.7%
$200k+	0.9%
Median income	$34,805

Housing

Home values

Under $50k 35.1%

$50k–$100k 42.6%

$100k–$150k 16.0%

$150k–$200k 2.8%

$200k–$300k 2.7%

$300k–$500k 0.8%

Housing overview

Metric	Value
Median home value	$68,200
Median rent / month	$884
Owner occupied	41.9%
Renter occupied	58.1%
Vacant	13.4%
Single-family detached	64.4%
Large apartment buildings	5.8%
Mobile homes	1.9%
Median rooms	5.4
Avg household size (owned)	2.36

Year built

Era	%
2020 or later	0.0%
2010–2019	3.3%
2000–2009	3.9%
1990–1999	4.4%
1980–1989	6.1%
1970–1979	9.8%
1960–1969	9.0%
1950–1959	15.1%
1940–1949	13.9%
1939 or earlier	34.5%

Bedrooms

Size	% of units
No bedroom (studio)	4.0%
1 bedroom	9.6%
2 bedrooms	32.1%
3 bedrooms	41.3%
4 bedrooms	9.3%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	16.7%
1 vehicle	33.0%
2 vehicles	32.7%
3 or more	17.6%

Heating fuel

Fuel type	%
Utility gas	71.1%
Electricity	27.1%
Propane / LP gas	0.2%
Fuel oil	0.8%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	967	23.6%
Cohabiting couple	505	12.3%
Male householder, no spouse	1,100	26.8%
Female householder, no spouse	1,532	37.3%
Households with children under 18	1,302	31.7%
Households with seniors (65+)	1,104	26.9%
Average household size	2.53

Marital status

Status	Male	Female
Never married	51.7%	39.4%
Married	26.1%	26.5%
Separated	0.9%	2.1%
Widowed	3.5%	11.1%
Divorced	17.7%	21.0%

Education

Less than 9th grade 4.2%

Some HS, no diploma 10.5%

HS graduate 47.6%

Some college, no degree 25.6%

Associate's degree 6.4%

Bachelor's degree 4.6%

Graduate / professional 1.0%

Metric	%
HS diploma or higher	85.3%
Bachelor's or higher	5.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	239	8.5%
Kindergarten	189	6.7%
Elementary school	1,487	53.0%
High school	530	18.9%
College / grad school	361	12.9%

Employment

Industry of employment

Manufacturing 17.4%

Arts, food & hospitality 15.6%

Transportation & utilities 14.6%

Education & healthcare 14.6%

Professional & management 12.2%

Retail trade 11.2%

Construction 4.3%

Finance & real estate 3.3%

Public administration 2.6%

Other services 2.4%

Wholesale trade 1.7%

Occupation

Category	%
Management, business & arts	17.2%
Service	20.7%
Sales & office	23.0%
Natural resources & construction	7.0%
Production & transportation	32.1%

Employment type

Type	%
Private sector	89.2%
Government	5.6%
Self-employed	5.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.4%
Carpool	13.2%
Public transit	1.4%
Walk	2.8%
Work from home	1.9%
Other means	1.3%
Avg commute (minutes)	21.1

Poverty

All people 36.5%

Under 18 years 48.9%

18 and over 31.3%

Married-couple families 12.1%

Female-led households 49.6%

Income support

Source	% of households
Social Security	38.6%
Retirement income	21.9%
Supplemental Security	15.7%
Cash public assistance	4.1%
Food stamps / SNAP	30.7%

Health indicators

Condition	%
Obesity	43.5%
High blood pressure	38.4%
High cholesterol	33.6%
Diabetes	14.6%
Heart disease	8.6%
Stroke	4.6%
Asthma	12.4%
Arthritis	31.8%
Kidney disease	3.8%
Pulmonary disease	13.5%
Cancer	6.4%

Behavior / access	%
Smoking	31.1%
Binge drinking	16.8%
No physical activity	35.9%
Less than 7 hrs sleep	40.8%
Depression	26.7%
Fair or poor health	24.9%
Poor mental health	20.5%
Poor physical health	15.5%
No health insurance	16.8%
Visited doctor (checkup)	78.3%
Visited dentist	48.4%
Cholesterol screening	84.5%
Teeth loss	25.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	473	6.5%

Disability	%
Any disability	20.9%
Under 18	4.5%
18–64 years	24.5%
65 and over	43.1%

Health insurance coverage

Type	%
Private insurance	32.0%
Public insurance	66.3%
No insurance	10.0%
Uninsured under 19	5.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,719	93.6%
Spanish	529	5.4%
Other Indo-European	72	0.7%
Asian & Pacific Islander	112	1.2%
Other languages	33	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,530	91.8%
Born in same state	9,470	91.2%
Born in different state	7,792	75.1%
Foreign born	60	0.6%
Naturalized citizen	850	8.2%
Not a US citizen	348	40.9%

Ancestry

Ancestry	Count	%
Italian	671	6.5%
French	580	5.6%
Arab	537	5.2%
English	415	4%

Ancestry	Count	%
Irish	72	0.7%
Norwegian	44	0.4%
Dutch	16	0.2%
Polish	10	0.1%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	90.6%

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

Frequently asked questions about ZIP code 45404

What city is ZIP code 45404 in?

ZIP code 45404 is primarily assigned to Dayton, Ohio.

What county is ZIP code 45404 in?

ZIP code 45404 falls within Montgomery County, Ohio.

What is the poverty rate in ZIP code 45404?

37% of residents in ZIP code 45404 live below the poverty line, above the national average.

How educated is the population of ZIP code 45404?

6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 45404 mostly rentals?

58% of occupied units in ZIP code 45404 are renter-occupied.

Does ZIP code 45404 have a large retiree population?

39% of households in ZIP code 45404 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 45404 in?

ZIP code 45404 observes the EST timezone.