45440 ZIP Code — Dayton, OH
Montgomery County, Ohio
ZIP code 45440 is located in Dayton, Ohio, within Montgomery County. It covers approximately 9.20 square miles and serves a population of 22,256 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.
About ZIP code 45440
The housing stock consists of a mix of housing types. Most homes were built in the 1960s, giving the area an established character. Median home value is $229,700. Owner-occupancy sits near the national average at 63%.
Median household income is $79,388.
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.
Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.
22,256
population
9.20
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
45440 ZIP code map
Cities in ZIP code 45440
Below are the cities the US Postal Service accepts for ZIP code 45440. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Dayton | Acceptable |
| Dayton | Acceptable |
| Dayton | Preferred |
Nearby ZIP codes
45305 Bellbrook (2.6 mi)
45430 Dayton (3.3 mi)
45459 Dayton (4 mi)
45420 Dayton (4.1 mi)
45429 Dayton (4.2 mi)
45434 Dayton (4.6 mi)
45370 Spring Valley (4.7 mi)
45432 Dayton (4.9 mi)
45419 Dayton (5.1 mi)
45419 Dayton (5.1 mi)
45458 Dayton (6.2 mi)
45409 Dayton (6.3 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 22,256 |
| Population density | 2,419 / sq mi |
| State FIPS | 39 |
| County FIPS | 113 |
| Geography | |
|---|---|
| Land area | 9.20 sq mi |
| Water area | 0.02 sq mi |
| Latitude | 39.6692 |
| Longitude | -84.0903 |
| 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 | 33.5% | 46.3% | 43.3% |
| $50k – $100k | 32.5% | 30.6% | 31.4% |
| $100k – $200k | 25.2% | 18.5% | 20.0% |
| Over $200k | 8.8% | 4.5% | 5.2% |
Demographics & statistics
22,256
Population
2,419
People per sq mi
40.5
Median age
$79,388
Median household income
$45,118
Per capita income
$229,700
Median home value
$1,070
Median monthly rent
62.8%
Home ownership
10.3%
Poverty rate
2.5%
Unemployment
6,488
Housing units
45.9%
Bachelor's or higher
Age distribution
Male
Female
678
Under 5
697
561
5–9
575
856
10–14
878
650
15–19
667
508
20–24
522
1,415
25–34
1,453
1,455
35–44
1,493
1,408
45–54
1,446
672
55–59
689
457
60–64
470
1,239
65–74
1,272
719
75–84
738
364
85+
374
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 5,087 | 22.9% |
| 18 and over | 17,169 | 77.1% |
| 65 and over | 4,706 | 21.1% |
| Median age | 40.5 years | |
Race & ethnicity
White
81.1%
Two or more races
5.7%
Black or African American
5.6%
Hispanic or Latino
3.4%
Asian
3.1%
Other race
1%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 18,690 | 81.1% |
| Two or more races | 1,308 | 5.7% |
| Black or African American | 1,280 | 5.6% |
| Hispanic or Latino | 781 | 3.4% |
| Asian | 711 | 3.1% |
| Other race | 224 | 1% |
| American Indian / Alaska Native | 43 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 33.5% | 46.3% | 43.3% |
| $50k – $100k | 32.5% | 30.6% | 31.4% |
| $100k – $200k | 25.2% | 18.5% | 20.0% |
| Over $200k | 8.8% | 4.5% | 5.2% |
Under $10k
3.8%
$10k–$15k
1.8%
$15k–$25k
7.7%
$25k–$35k
6.0%
$35k–$50k
12.3%
$50k–$75k
13.7%
$75k–$100k
16.7%
$100k–$150k
18.1%
$150k–$200k
8.4%
$200k+
11.6%
| Range | % of households |
|---|---|
| Under $10k | 3.8% |
| $10k–$15k | 1.8% |
| $15k–$25k | 7.7% |
| $25k–$35k | 6.0% |
| $35k–$50k | 12.3% |
| $50k–$75k | 13.7% |
| $75k–$100k | 16.7% |
| $100k–$150k | 18.1% |
| $150k–$200k | 8.4% |
| $200k+ | 11.6% |
| Median income | $79,388 |
Housing
Home values
Under $50k
1.9%
$50k–$100k
1.8%
$100k–$150k
10.1%
$150k–$200k
21.5%
$200k–$300k
43.4%
$300k–$500k
15.0%
$500k–$1M
5.5%
$1M+
0.8%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $229,700 |
| Median rent / month | $1,070 |
| Owner occupied | 62.8% |
| Renter occupied | 37.2% |
| Vacant | 5.9% |
| Single-family detached | 58.8% |
| Large apartment buildings | 7.7% |
| Mobile homes | 0.4% |
| Median rooms | 6.2 |
| Avg household size (owned) | 2.52 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.2% |
| 2010–2019 | 5.5% |
| 2000–2009 | 12.0% |
| 1990–1999 | 12.0% |
| 1980–1989 | 8.6% |
| 1970–1979 | 15.4% |
| 1960–1969 | 29.4% |
| 1950–1959 | 13.1% |
| 1940–1949 | 0.7% |
| 1939 or earlier | 3.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.0% |
| 1 bedroom | 11.9% |
| 2 bedrooms | 21.4% |
| 3 bedrooms | 40.9% |
| 4 bedrooms | 20.2% |
| 5+ bedrooms | 3.8% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.3% |
| 1 vehicle | 34.7% |
| 2 vehicles | 41.6% |
| 3 or more | 18.4% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 62.4% |
| Electricity | 35.3% |
| Propane / LP gas | 1.6% |
| Fuel oil | 0.4% |
| No fuel used | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,643 | 49.5% |
| Cohabiting couple | 557 | 5.9% |
| Male householder, no spouse | 1,663 | 17.7% |
| Female householder, no spouse | 2,525 | 26.9% |
| Households with children under 18 | 2,751 | 29.3% |
| Households with seniors (65+) | 3,228 | 34.4% |
| Average household size | 2.34 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 31.6% | 21.2% |
| Married | 54.8% | 51.9% |
| Separated | 0.2% | 1.9% |
| Widowed | 4.2% | 9.7% |
| Divorced | 9.2% | 15.2% |
Education
Less than 9th grade
0.4%
Some HS, no diploma
1.8%
HS graduate
22.0%
Some college, no degree
20.0%
Associate's degree
9.9%
Bachelor's degree
24.7%
Graduate / professional
21.1%
| Metric | % |
|---|---|
| HS diploma or higher | 97.8% |
| Bachelor's or higher | 45.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 285 | 5.5% |
| Kindergarten | 259 | 5.0% |
| Elementary school | 2,317 | 44.7% |
| High school | 1,266 | 24.4% |
| College / grad school | 1,059 | 20.4% |
Employment
Industry of employment
Education & healthcare
28.8%
Manufacturing
13.3%
Retail trade
13.1%
Professional & management
12.9%
Arts, food & hospitality
6.8%
Public administration
5.5%
Finance & real estate
4.6%
Other services
4.3%
Construction
3.7%
Transportation & utilities
3.4%
Information
1.9%
Wholesale trade
1.1%
Agriculture & mining
0.5%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 52.3% |
| Service | 10.9% |
| Sales & office | 19.6% |
| Natural resources & construction | 3.0% |
| Production & transportation | 14.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 81.4% |
| Government | 13.9% |
| Self-employed | 4.1% |
| Unpaid family workers | 0.6% |
Commute
| Method | % |
|---|---|
| Drive alone | 80.8% |
| Carpool | 5.9% |
| Public transit | 1.0% |
| Walk | 1.5% |
| Work from home | 10.5% |
| Other means | 0.3% |
| Avg commute (minutes) | 21.4 |
Poverty
All people
10.3%
Under 18 years
14.5%
18 and over
9.0%
Married-couple families
1.8%
Female-led households
29.1%
Income support
| Source | % of households |
|---|---|
| Social Security | 28.9% |
| Retirement income | 30.3% |
| Supplemental Security | 3.1% |
| Cash public assistance | 3.0% |
| Food stamps / SNAP | 5.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 33.0% |
| High blood pressure | 32.7% |
| High cholesterol | 32.1% |
| Diabetes | 10.0% |
| Heart disease | 6.7% |
| Stroke | 2.9% |
| Asthma | 9.5% |
| Arthritis | 27.2% |
| Kidney disease | 2.8% |
| Pulmonary disease | 7.1% |
| Cancer | 7.9% |
| Behavior / access | % |
|---|---|
| Smoking | 15.2% |
| Binge drinking | 16.9% |
| No physical activity | 21.0% |
| Less than 7 hrs sleep | 32.8% |
| Depression | 21.6% |
| Fair or poor health | 11.9% |
| Poor mental health | 14.3% |
| Poor physical health | 8.8% |
| No health insurance | 8.9% |
| Visited doctor (checkup) | 79.1% |
| Visited dentist | 71.0% |
| Cholesterol screening | 90.6% |
| Teeth loss | 10.3% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,683 | 10.0% |
| Disability | % |
|---|---|
| Any disability | 13.4% |
| Under 18 | 4.6% |
| 18–64 years | 8.8% |
| 65 and over | 36.1% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 78.7% |
| Public insurance | 32.1% |
| No insurance | 3.6% |
| Uninsured under 19 | 1.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 20,881 | 93.8% |
| Spanish | 409 | 2.0% |
| Other Indo-European | 129 | 0.6% |
| Asian & Pacific Islander | 101 | 0.5% |
| Other languages | 81 | 0.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 20,944 | 94.1% |
| Born in same state | 20,515 | 92.2% |
| Born in different state | 14,481 | 65.1% |
| Foreign born | 429 | 1.9% |
| Naturalized citizen | 1,312 | 5.9% |
| Not a US citizen | 796 | 60.7% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 3,405 | 15.3% |
| Italian | 2,905 | 13.1% |
| Arab | 1,745 | 7.8% |
| Irish | 239 | 1.1% |
| Polish | 176 | 0.8% |
| Ancestry | Count | % |
|---|---|---|
| English | 130 | 0.6% |
| German | 49 | 0.2% |
| Dutch | 44 | 0.2% |
| Norwegian | 25 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 42.2% |
| Internet access | 96.4% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 45440
What city is ZIP code 45440 in?
ZIP code 45440 is primarily assigned to Dayton, Ohio.
What county is ZIP code 45440 in?
ZIP code 45440 falls within Montgomery County, Ohio.
How educated is the population of ZIP code 45440?
46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Does ZIP code 45440 have a large veteran population?
10% of civilians in ZIP code 45440 are veterans, above the national average of ~7%.
What is the population of ZIP code 45440?
ZIP code 45440 has an estimated population of 22,256 residents, with a density of 2,420 people per square mile.
What is the typical home value in ZIP code 45440?
The median home value in ZIP code 45440 is $229,700.
What timezone is ZIP code 45440 in?
ZIP code 45440 observes the EST timezone.