ZIP Code 45428 — Dayton city, OH Demographics & Data

ZIP code 45428 covers Dayton, OH in Montgomery County with a population of about 274.

At a glance, the area shows median age of 73.2 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.

Dayton, OH reads as a military / base-oriented community on US5’s intent model (elevated veteran share (65.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 49.3%; unemployment rate near 21.1%; 21.9% of adults with a bachelor’s degree or higher (about 11.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Healthcare, and Other services; about 45.5% of workers reporting work-from-home (about 30.3 points above the U.S. share (15.2%)); a mean commute of about 6.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 0.0% (about 65.4 points below the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Dayton 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 Dayton 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 12 for ZIP 45428 (Dayton 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.