Medicare in ZIP Code
45420
—
Kettering
23956
Population
39.7171
Latitude
-84.1342
Longitude
Demographic Data
ZIP code 45420 is located in Montgomery County, Ohio, centered near Kettering, with a total population of 23,956 and a median age of 39.8. This is a urban community where 16.4% of residents are 65 or older (approximately 3,938 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 83.6% White, 7.3% Black/African American, 2.7% Hispanic/Latino, 2.5% Asian. About 27.2% of adults hold a bachelor's degree or higher.
Economic Metrics
The median household income is $56,670, 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. The poverty rate is 12.6%. The unemployment rate is 4.5%. The median home value is $116,200 and median monthly rent is $918. 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.