Medicare in ZIP Code
45403
—
Dayton
13831
Population
39.7617
Latitude
-84.1498
Longitude
Demographic Data
ZIP code 45403 is located in Montgomery County, Ohio, centered near Dayton, with a total population of 13,831 and a median age of 35.4. This is a urban community where 11.3% of the population is 65 or older (approximately 1,556 individuals). While the senior share is below the national average, Medicare beneficiaries in this area still access quality healthcare options. The racial and ethnic composition includes 68.3% White, 14.3% Black/African American, 14.9% Hispanic/Latino. Approximately 10.8% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
Economic Metrics
The median household income is $36,250, 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 36.2%, 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 9.9% 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 $73,900 and median monthly rent is $742. 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.