Medicare in ZIP Code
45406
—
Dayton
20261
Population
39.7821
Latitude
-84.2373
Longitude
Demographic Data
ZIP code 45406 is located in Montgomery County, Ohio, centered near Dayton, with a total population of 20,261 and a median age of 38.3. This is a urban community where 17.4% of residents are 65 or older (approximately 3,521 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 16.2% White, 75.2% Black/African American, 2.9% Hispanic/Latino. Approximately 21.1% 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 $43,241, 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 22.6%, 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 12.8% 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 $82,300 and median monthly rent is $879. 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.