Medicare in ZIP Code
45402
—
Dayton
9964
Population
39.7563
Latitude
-84.1895
Longitude
Demographic Data
ZIP code 45402 is located in Montgomery County, Ohio, centered near Dayton, with a total population of 9,964 and a median age of 35.9. This is a urban community where 12.6% of residents are 65 or older (approximately 1,259 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 32.9% White, 56.8% Black/African American, 5.4% Hispanic/Latino. About 29.7% of adults hold a bachelor's degree or higher.
Economic Metrics
The median household income is $45,386, below the national median. Lower-income Medicare beneficiaries may qualify for Medicare Savings Programs (MSPs) that help pay Part B premiums, or Extra Help (Low-Income Subsidy) to reduce Part D prescription drug costs. With a poverty rate of 24.5%, a significant portion of residents may qualify for dual eligibility (Medicare and Medicaid), which provides additional benefits including dental, vision, and transportation assistance. The unemployment rate of 7.0% is above the national average, which may indicate a greater need for social safety net programs including Medicare-Medicaid dual eligibility. The median home value is $105,900 and median monthly rent is $921. 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.