ZIP Code 45426 — Trotwood city, OH Demographics & Data

ZIP code 45426 covers Trotwood, OH in Montgomery County with a population of about 13,582.

At a glance, the area shows median age of 44.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 326, 937; U.S. House district OH-10; the DAYTON media market.

Trotwood, OH sits in a university / college context (near united theological seminary (2.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 45426 is about $51,538 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.0%; unemployment rate near 10.1%; 20.7% of adults with a bachelor’s degree or higher (about 13.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Transportation; about 6.8% of workers reporting work-from-home (about 8.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $111,900 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $773 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 54.6% (about 10.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45426 in Trotwood, OH, a household would need roughly $31,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $719. That sits below the local median household income ($51,538), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Trotwood city, OH as Relatively Moderate (composite score 92.7), which is among the highest nationally. The strongest component scores on US5 are flood (95.5) and hurricane (49.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Trotwood city, OH show little to no average snow and around 41.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 576 for ZIP 45426 (Trotwood city, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.