Medicare in ZIP Code
45315
—
Clayton
4804
Population
39.8551
Latitude
-84.3399
Longitude
Demographic Data
ZIP code 45315 is located in Montgomery County, Ohio, centered near Clayton, with a total population of 4,804 and a median age of 49.0. This is a urban community with a notably high senior population — 26.1% of residents are 65 or older (approximately 1,256 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 71.8% White, 20.2% Black/African American, 2.1% Hispanic/Latino. The community is highly educated, with 41.4% of adults holding a bachelor's degree or higher, which often correlates with greater health literacy and proactive engagement with Medicare plan selection.
Economic Metrics
The median household income is $84,186, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. The poverty rate is relatively low at 4.7%. The unemployment rate is 1.8%. The median home value is $183,900 and median monthly rent is $948. Medicare beneficiaries in Montgomery County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Ohio SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.