Medicare in ZIP Code
45426
—
Trotwood
13582
Population
39.7982
Latitude
-84.3211
Longitude
Demographic Data
ZIP code 45426 is located in Montgomery County, Ohio, centered near Trotwood, with a total population of 13,582 and a median age of 44.0. This is a urban community where 23.5% of residents are 65 or older (approximately 3,191 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 21.8% White, 69.1% Black/African American, 1.4% Hispanic/Latino, 1.7% Asian. Approximately 20.7% 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 $51,538, 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 21.0%, 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 10.1% 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 $111,900 and median monthly rent is $927. 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.