Medicare in ZIP Code
45428
—
Dayton
274
Population
39.7467
Latitude
-84.2593
Longitude
Demographic Data
ZIP code 45428 is located in Montgomery County, Ohio, centered near Dayton, with a total population of 274 and a median age of 73.2. This is a urban community with a notably high senior population — 60.2% of residents are 65 or older (approximately 165 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 66.1% White, 25.2% Black/African American, 5.1% Hispanic/Latino, 2.2% Asian. Approximately 21.9% 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
Income data is not currently available for ZIP code 45428. With a poverty rate of 49.3%, 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 21.1% is above the national average, which may indicate a greater need for social safety net programs including Medicare-Medicaid dual eligibility. 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.