45406 ZIP Code — Dayton, OH

Montgomery County, Ohio

ZIP code 45406 is located in Dayton, Ohio, within Montgomery County. It covers approximately 4.98 square miles and serves a population of 19,954 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45406

The housing stock consists of a mix of housing types. Most homes were built in the 1950s, giving the area an established character. Median home value is $75,200. Owner-occupancy sits near the national average at 48%.

Median household income is $37,630. Poverty affects 25% 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 21 minutes is near the national average.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (51%), diabetes (20%), smoking (26%) compared to national benchmarks.

Overall, ZIP code 45406 reflects a community defined by economic challenges above the national average and elevated reliance on food assistance.

19,954

population

4.98

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45406 ZIP code map

Cities in ZIP code 45406

Below are the cities the US Postal Service accepts for ZIP code 45406. Using any city not on this list may result in mail delivery delays.

City	Status
Dayton	Acceptable
Dayton	Preferred

Nearby ZIP codes

45405 Dayton (1.4 mi) 45416 Dayton (1.9 mi) 45417 Dayton (2.3 mi) 45402 Dayton (2.8 mi) 45422 Dayton (3 mi) 45479 Dayton (3 mi) 45469 Dayton (3 mi) 45482 Dayton (3.1 mi) 45412 Dayton (3.1 mi) 45481 Dayton (3.1 mi) 45470 Dayton (3.1 mi) 45448 Dayton (3.1 mi)

Demographics updated 05/2026

Population
Total population	19,954
Population density	4,007 / sq mi
State FIPS	39
County FIPS	113

Geography
Land area	4.98 sq mi
Water area	0.01 sq mi
Latitude	39.7819
Longitude	-84.2416
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	68.2%	46.3%	43.3%
$50k – $100k	22.0%	30.6%	31.4%
$100k – $200k	8.7%	18.5%	20.0%
Over $200k	1.1%	4.5%	5.2%

Demographics & statistics

19,954

Population

4,007

People per sq mi

38.5

Median age

$37,630

Median household income

$28,272

Per capita income

$75,200

Median home value

$847

Median monthly rent

48.2%

Home ownership

24.8%

Poverty rate

13.0%

Unemployment

6,212

Housing units

20.6%

Bachelor's or higher

Age distribution

Male Female

622

Under 5

714

510

5–9

585

640

10–14

735

611

15–19

700

522

20–24

599

1,479

25–34

1,696

1,025

35–44

1,176

994

45–54

1,140

592

55–59

678

660

60–64

757

991

65–74

1,137

502

75–84

576

146

85+

167

← Male

Female →

Age summary

Group	Count	%
Under 18	4,772	23.9%
18 and over	15,182	76.1%
65 and over	3,519	17.6%
Median age	38.5 years

Race & ethnicity

Black or African American 71.9%

White 17.1%

Two or more races 6%

Hispanic or Latino 3.2%

Other race 1.4%

Asian 0.2%

Group	Count	%
Black or African American	14,837	71.9%
White	3,530	17.1%
Two or more races	1,244	6%
Hispanic or Latino	668	3.2%
Other race	285	1.4%
Asian	49	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	68.2%	46.3%	43.3%
$50k – $100k	22.0%	30.6%	31.4%
$100k – $200k	8.7%	18.5%	20.0%
Over $200k	1.1%	4.5%	5.2%

Under $10k 10.5%

$10k–$15k 9.5%

$15k–$25k 12.5%

$25k–$35k 13.5%

$35k–$50k 14.8%

$50k–$75k 15.1%

$75k–$100k 9.7%

$100k–$150k 7.7%

$150k–$200k 3.8%

$200k+ 2.8%

Range	% of households
Under $10k	10.5%
$10k–$15k	9.5%
$15k–$25k	12.5%
$25k–$35k	13.5%
$35k–$50k	14.8%
$50k–$75k	15.1%
$75k–$100k	9.7%
$100k–$150k	7.7%
$150k–$200k	3.8%
$200k+	2.8%
Median income	$37,630

Housing

Home values

Under $50k 19.9%

$50k–$100k 51.4%

$100k–$150k 15.3%

$150k–$200k 9.8%

$200k–$300k 2.3%

$300k–$500k 1.0%

$500k–$1M 0.4%

Housing overview

Metric	Value
Median home value	$75,200
Median rent / month	$847
Owner occupied	48.2%
Renter occupied	51.8%
Vacant	17.9%
Single-family detached	69.9%
Large apartment buildings	8.8%
Mobile homes	0.0%
Median rooms	5.3
Avg household size (owned)	2.27

Year built

Era	%
2020 or later	0.1%
2010–2019	0.9%
2000–2009	1.6%
1990–1999	1.1%
1980–1989	4.9%
1970–1979	7.6%
1960–1969	14.1%
1950–1959	26.4%
1940–1949	17.8%
1939 or earlier	25.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.1%
1 bedroom	15.0%
2 bedrooms	24.9%
3 bedrooms	40.0%
4 bedrooms	14.8%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	18.8%
1 vehicle	45.1%
2 vehicles	20.9%
3 or more	15.2%

Heating fuel

Fuel type	%
Utility gas	71.6%
Electricity	25.3%
Propane / LP gas	1.0%
No fuel used	1.8%

Households & families

Household type	Count	%
Married-couple family	1,971	22.2%
Cohabiting couple	645	7.3%
Male householder, no spouse	2,005	22.6%
Female householder, no spouse	4,241	47.9%
Households with children under 18	2,532	28.6%
Households with seniors (65+)	2,602	29.4%
Average household size	2.22

Marital status

Status	Male	Female
Never married	53.0%	43.7%
Married	30.8%	26.0%
Separated	2.4%	4.6%
Widowed	4.0%	7.6%
Divorced	9.8%	18.0%

Education

Less than 9th grade 2.6%

Some HS, no diploma 9.4%

HS graduate 31.9%

Some college, no degree 28.4%

Associate's degree 7.1%

Bachelor's degree 12.7%

Graduate / professional 7.9%

Metric	%
HS diploma or higher	88.0%
Bachelor's or higher	20.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	189	4.4%
Kindergarten	333	7.7%
Elementary school	1,847	42.9%
High school	1,321	30.7%
College / grad school	617	14.3%

Employment

Industry of employment

Education & healthcare 28.8%

Manufacturing 13.7%

Transportation & utilities 13.4%

Professional & management 9.7%

Retail trade 9.2%

Arts, food & hospitality 8.3%

Other services 4.7%

Finance & real estate 4.5%

Public administration 3.0%

Construction 2.6%

Information 1.1%

Wholesale trade 1.0%

Occupation

Category	%
Management, business & arts	31.0%
Service	19.4%
Sales & office	18.7%
Natural resources & construction	6.0%
Production & transportation	25.0%

Employment type

Type	%
Private sector	80.0%
Government	14.4%
Self-employed	5.5%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	63.7%
Carpool	13.6%
Public transit	9.2%
Walk	3.8%
Work from home	8.2%
Other means	1.4%
Avg commute (minutes)	20.9

Poverty

All people 24.8%

Under 18 years 37.8%

18 and over 20.7%

Married-couple families 9.1%

Female-led households 29.7%

Income support

Source	% of households
Social Security	29.6%
Retirement income	25.6%
Supplemental Security	10.5%
Cash public assistance	3.8%
Food stamps / SNAP	26.4%

Health indicators

Condition	%
Obesity	51.3%
High blood pressure	48.2%
High cholesterol	31.9%
Diabetes	20.4%
Heart disease	8.1%
Stroke	5.9%
Asthma	13.6%
Arthritis	33.0%
Kidney disease	4.5%
Pulmonary disease	10.7%
Cancer	6.0%

Behavior / access	%
Smoking	26.1%
Binge drinking	12.3%
No physical activity	37.6%
Less than 7 hrs sleep	47.5%
Depression	20.8%
Fair or poor health	27.1%
Poor mental health	18.5%
Poor physical health	14.8%
No health insurance	16.4%
Visited doctor (checkup)	85.0%
Visited dentist	48.5%
Cholesterol screening	90.0%
Teeth loss	24.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,257	8.3%

Disability	%
Any disability	19.3%
Under 18	5.0%
18–64 years	18.7%
65 and over	41.7%

Health insurance coverage

Type	%
Private insurance	47.5%
Public insurance	56.6%
No insurance	9.6%
Uninsured under 19	6.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	18,618	93.3%
Spanish	143	0.8%
Other Indo-European	51	0.3%
Asian & Pacific Islander	50	0.3%
Other languages	41	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	19,474	97.6%
Born in same state	19,419	97.3%
Born in different state	14,780	74.1%
Foreign born	55	0.3%
Naturalized citizen	480	2.4%
Not a US citizen	295	61.5%

Ancestry

Ancestry	Count	%
Arab	785	3.9%
French	681	3.4%
Italian	605	3%

Ancestry	Count	%
English	28	0.1%
Irish	23	0.1%
Polish	4	0%

Technology access

Metric	% of households
Computer access	44.4%
Internet access	92.0%

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

Frequently asked questions about ZIP code 45406

What city is ZIP code 45406 in?

ZIP code 45406 is primarily assigned to Dayton, Ohio.

What county is ZIP code 45406 in?

ZIP code 45406 falls within Montgomery County, Ohio.

What is the poverty rate in ZIP code 45406?

25% of residents in ZIP code 45406 live below the poverty line, above the national average.

What are the health statistics for ZIP code 45406?

Health data for ZIP code 45406 shows elevated rates of obesity (51%) and diabetes (20%) and smoking (26%) compared to national benchmarks.

What is the typical home value in ZIP code 45406?

The median home value in ZIP code 45406 is $75,200.

What is the median household income in ZIP code 45406?

The median household income in ZIP code 45406 is $37,630, below the national median of ~$75,000.

What timezone is ZIP code 45406 in?

ZIP code 45406 observes the EST timezone.