Medicare in ZIP Code
45409
—
Dayton
15677
Population
39.7238
Latitude
-84.1854
Longitude
Demographic Data
ZIP code 45409 is located in Montgomery County, Ohio, centered near Dayton, with a total population of 15,677 and a median age of 20.9. This is a urban community where 7.8% of the population is 65 or older (approximately 1,220 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 85.4% White, 5.4% Black/African American, 5.5% Hispanic/Latino, 2.9% Asian. The community is highly educated, with 64.7% 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 $84,000, 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. With a poverty rate of 18.6%, 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 12.9% 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 $230,800 and median monthly rent is $1,055. 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.