ZIP Code Tabulation Area · Ohio

ZIP Code 45409: Kettering, OH

ZIP Code 45409 (Kettering, Montgomery County, Ohio) has an estimated 15,293 residents in 3,063 households. The median household income is $87,283, the median home value is $249,000 and the median gross rent is $1,038/mo. Figures are U.S. Census Bureau American Community Survey 2020–2024 5-year estimates for the matching ZIP Code Tabulation Area.

American Community Survey 2020–2024 5-year estimates · Updated

Total population

15,293

Margin of error ±1,436

Median household income

$87,283

Margin of error ±$12,028

Median home value

$249,000

Margin of error ±$28,123

Median gross rent

$1,038/mo

Margin of error ±$114

Median age

21.0 yrs

Margin of error ±0.4 yrs

Mean travel time to work

16.7 min

Margin of error ±3.5 min

How ZIP 45409 compares with Ohio and the U.S.

State and national figures are the Census Bureau's own estimates for those areas from the same ACS release, not averages of ZIP codes.

Median age

ZIP 4540921.0 yrsOhio39.7 yrsUnited States38.9 yrs

Median household income

ZIP 45409$87,283Ohio$71,389United States$80,734

Per capita income

ZIP 45409$28,871Ohio$40,552United States$44,673

Poverty rate

ZIP 4540916.0%Ohio13.3%United States12.5%

Unemployment rate

ZIP 4540911.1%Ohio4.8%United States5.2%

Bachelor's degree or higher

ZIP 4540962.7%Ohio31.5%United States35.7%

Median home value

ZIP 45409$249,000Ohio$214,800United States$332,700

Median gross rent

ZIP 45409$1,038/moOhio$1,034/moUnited States$1,413/mo

Owner-occupied homes

ZIP 4540972.2%Ohio67.2%United States65.2%

Mean travel time to work

ZIP 4540916.7 minOhio23.4 minUnited States26.4 min

Worked from home

ZIP 4540914.4%Ohio13.0%United States15.1%

All figures for ZIP 45409

Each estimate has a 90% margin of error: the true value is likely within that range. * marks estimates with a large margin of error (a coefficient of variation above 30%, or ±10 percentage points or more for rates).

ZIP 45409 — ACS 2020–2024 5-year estimates
MeasureZIP 45409Margin of errorOhioUnited States
Total population15,293±1,43611,810,293334,922,499
Median age21.0 yrs±0.4 yrs39.7 yrs38.9 yrs
Households3,063±2414,863,191129,227,496
Median household income$87,283±$12,028$71,389$80,734
Per capita income$28,871±$5,635$40,552$44,673
Poverty rate16.0%±4.2 pts13.3%12.5%
Unemployment rate11.1%±2.7 pts4.8%5.2%
Bachelor's degree or higher62.7%±7.9 pts31.5%35.7%
Median home value$249,000±$28,123$214,800$332,700
Median gross rent$1,038/mo±$114$1,034/mo$1,413/mo
Owner-occupied homes72.2%±6.0 pts67.2%65.2%
Mean travel time to work16.7 min±3.5 min23.4 min26.4 min
Worked from home14.4%±3.7 pts13.0%15.1%

Race and Hispanic or Latino origin

Shares of the total population by the Census Bureau's race and Hispanic or Latino origin categories (table B03002), listed in the Census Bureau's order. People self-identify on the survey.

Population by race and Hispanic or Latino origin, ZIP 45409
GroupZIP 45409OhioUnited States
White alone, not Hispanic or Latino82.9%75.8%57.4%
Black or African American alone, not Hispanic or Latino5.8%12.0%11.9%
American Indian and Alaska Native alone, not Hispanic or Latino0.0%0.1%0.5%
Asian alone, not Hispanic or Latino2.2%2.5%5.9%
Native Hawaiian and Other Pacific Islander alone, not Hispanic or Latino0.1%0.0%0.2%
Some other race alone, not Hispanic or Latino0.3%0.4%0.6%
Two or more races, not Hispanic or Latino2.9%4.3%4.3%
Hispanic or Latino (of any race)5.8%4.8%19.3%

Where ZIP 45409 is

State
Ohio
Main county
Montgomery County
Largest overlapping place
Kettering (47% of the ZIP's land area)
Land area
3.68 sq mi· about 4,156 people per sq mi

County and place names come from the Census Bureau's 2020 ZCTA relationship files. A ZIP code's mailing city, set by the U.S. Postal Service, can differ from these names.

Other ZIP codes in Montgomery County

45345 Montgomery County, OH45354 Phillipsburg, OH45377 Vandalia, OH45402 Dayton, OH45403 Dayton, OH45404 Dayton, OH45405 Dayton, OH45406 Dayton, OH45410 Dayton, OH45414 Dayton, OH45415 Clayton, OH45416 Trotwood, OH45417 Dayton, OH45419 Oakwood, OH45420 Kettering, OH45424 Huber Heights, OH45426 Trotwood, OH45428 Dayton, OH45429 Kettering, OH45439 Moraine, OH45449 West Carrollton, OH45458 Centerville, OH45459 Centerville, OH45469 Dayton, OH

See every ZIP code in Ohio, or compare ZIP 45409 with another ZIP code.

Census figures describe residents as a group and cannot tell you about any one home or street. For a specific address, check local government and housing records.

About ZIP codes and ZCTAs: the Census Bureau publishes statistics for ZIP Code Tabulation Areas, which approximate USPS ZIP code delivery areas. Learn how they differ.

Sources

  • U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, detailed tables B01003, B01002, B11001, B19013, B19301, B17001, B23025, B15003, B25077, B25064, B25003, B08013, B08303, B08301, B03002 — snapshot Oct 26, 2026.
  • U.S. Census Bureau, 2020 ZCTA5 relationship files (county and place).
  • Data: U.S. Census Bureau, American Community Survey 5-year estimates (detailed tables) and 2020 Census ZCTA relationship files. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau. These agencies do not endorse OpenZIP.