ZIP Code 45431

With a median household income of $83,175 and per-capita income of $43,597, ZIP code 45431 sits squarely in middle-income territory near Dayton. Homes here carry a median value of $209,500, and the county-level property tax rate of 1.61% means owners pay a meaningful share of that value each year. Add a combined sales tax of 7.25%, and the overall tax picture is steady rather than steep. This isn't an affluent enclave, nor a struggling one — it's a working-to-middle-class area where earnings and housing costs stay roughly in step.