Medicare in ZIP Code
45439
—
West Carrollton
12246
Population
39.701
Latitude
-84.2187
Longitude
Demographic Data
ZIP code 45439 is located in Montgomery County, Ohio, centered near West Carrollton, with a total population of 12,246 and a median age of 33.8. This is a urban community where 14.7% of residents are 65 or older (approximately 1,797 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 72.3% White, 15.0% Black/African American, 9.2% Hispanic/Latino, 1.7% Asian. Approximately 16.9% 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
The median household income is $47,788, 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 28.5%, 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 is 6.2%. The median home value is $120,100 and median monthly rent is $1,001. 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.