Medicare in ZIP Code
45404
—
Dayton
10762
Population
39.7862
Latitude
-84.1622
Longitude
Demographic Data
ZIP code 45404 is located in Montgomery County, Ohio, centered near Dayton, with a total population of 10,762 and a median age of 33.9. This is a urban community where 12.7% of residents are 65 or older (approximately 1,362 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 72.3% White, 19.0% Black/African American, 4.0% Hispanic/Latino, 1.3% Asian. Approximately 8.5% 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 $35,286, 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 37.0%, 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 9.7% 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 $82,400 and median monthly rent is $871. 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.