Best Places45406, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45406, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
45406 ranks 29,776th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on transit by a wide margin, and a weak job market ranks lowest.
The best neighborhoods in 45406
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
45406's strengths and weaknesses
Where 45406 ranks high
- TransitBetter than 94% of zip codes
- Short commute18.6 minutes each way, better than 90% of zip codes
- Disaster safetyBetter than 89% of zip codes
- BikingBetter than 82% of zip codes
- Cell coverageBetter than 80% of zip codes
Where 45406 ranks low
- Local economyBetter than only 3% of zip codes
- Crime safetyBetter than only 3% of zip codes
- Nice weatherabout 57 pleasant days a year, better than only 4% of zip codes
- Household income$48,037 median, better than only 9% of zip codes
- Low property taxBetter than only 10% of zip codes
What it costs to buy a home in 45406
A household needs to earn about $24,000 a year to comfortably buy the median 45406 home, at 20% down and today's 30-year rate. That is below the area's own median income of $48,037, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 45406's effective rate of 1.59%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 2 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 45406
45406's age mix sits close to the national median, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45406.
Who works in 45406, and how
Work in 45406 centers on health care & social and manufacturing. Unemployment runs well above the national rate, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 80%
- Work from home 11%
- Transit, walk, or bike 10%
Life in 45406
45406 has fewer places to eat and drink per resident than most zip codes and more parkland per resident than 73% of zip codes. Dining, parks, and nightlife concentrates in some parts of 45406 and thins out in others, which the map shows.
What the weather is like in 45406, month by month
45406 sees roughly 57 pleasant days a year. July highs average about 87 degrees. January highs sit near 40, with lows near 22. The comfortable stretch runs May, June, and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 40° | 30° | 22° |
| April | 67° | 53° | 41° |
| July | 87° | 76° | 66° |
| October | 70° | 57° | 46° |
Flying in and out of 45406
The nearest airport, James M Cox Dayton International, is about 8 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 56 miles away.
The best schools in and around 45406
Schools across 45406 average a C+, better than 47% of zip codes.
Top elementary schools
- Ruskin Elementary SchoolD+ · 23% proficient
- Charity Adams Earley Girls AcademyD · 18% proficient
- Westbrooke VillageD · 18% proficient
Top middle schools
- Trotwood-madison Middle SchoolD− · 15% proficient
- Wogaman Middle SchoolF · 9% proficient
Top high schools
- Stivers School For The ArtsB+ · 54% proficient
- Trotwood-madison High SchoolD · 19% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45406 school and its grade on SchoolGrade.
45406 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 45406 against the other 33,109 zip codes.
Who 45406 suits
Remote workers
Internet is fast and widely advertised and 11% already work from home.
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 45406
Is 45406 a good place to live?
Using BestNeighborhood's default rankings, 45406 ranks 29,776th of 33,110 zip codes. It scores highest on transit, short commutes, and low disaster risk, and lowest on a weak job market and crime. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45406 expensive to live in?
The median home is worth $81,287. The overall cost of living runs about 17% below the national average. Set against a $48,037 median income, cost of living beats 12% of zip codes.
Is 45406 safe?
45406 is safer than 3% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $761 per resident a year.
What is the weather like in 45406?
July highs average about 87 degrees, and January highs near 40 with lows near 22. That works out to about 57 pleasant days a year, more than 4% of zip codes.
Is 45406 good for families?
Schools beat 47% of zip codes, crime safety beats 3%, and childcare runs $1,273 a month.
Compare 45406 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45406. Scores are absolute rather than ranked, which means a 60 in 45406 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
45406 detail on BestNeighborhood maps:
- Walk Grade for 45406: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45406: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45406: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45406: carrier by carrier coverage behind the cell score.
45406 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.