Best Places45435, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45435, 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.
45435 ranks 21,699th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on heat safety by a wide margin, and civic engagement ranks lowest.
The best neighborhoods in 45435
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.
45435's strengths and weaknesses
Where 45435 ranks high
- Heat safetyBetter than 97% of zip codes
- Short commute14.7 minutes each way, better than 97% of zip codes
- Cheap car insuranceBetter than 95% of zip codes
- Health outlookBetter than 93% of zip codes
- TransitBetter than 92% of zip codes
Where 45435 ranks low
- Voter turnoutBetter than only 2% of zip codes
- Local economyBetter than only 2% of zip codes
- Cost of living vs incomeBetter than only 3% of zip codes
- Household income$36,297 median, better than only 3% of zip codes
- Housing crash safetyBetter than only 7% of zip codes
What it costs to buy a home in 45435
A household needs to earn about $44,000 a year to comfortably buy the median 45435 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $36,297, so buying stretches a typical household.
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 45435's effective rate of 1.48%, 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 5 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 45435
45435 runs younger than the country, 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 45435.
Who works in 45435, and how
Work in 45435 centers on education and hospitality & food. Unemployment runs well above the national rate, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 68%
- Work from home 8%
- Transit, walk, or bike 23%
Life in 45435
The map and measures below break down dining, culture, and green space by neighborhood across 45435.
What the weather is like in 45435, month by month
45435 sees roughly 59 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° | 31° | 22° |
| April | 67° | 53° | 40° |
| July | 87° | 76° | 65° |
| October | 70° | 57° | 45° |
Flying in and out of 45435
The nearest airport, James M Cox Dayton International, is about 12 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 60 miles away.
The best schools in and around 45435
Schools across 45435 average a B, better than 67% of zip codes.
Top elementary schools
- Shaw Elementary SchoolA · 67% proficient
- Fairborn Intermediate SchoolB · 45% proficient
Top middle schools
- Jacob Coy Middle SchoolA+ · 78% proficient
- Baker Middle SchoolB · 45% proficient
Top high schools
- Beavercreek High SchoolA · 69% proficient
- Fairborn High SchoolB+ · 51% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45435 school and its grade on SchoolGrade.
45435 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 45435 against the other 33,109 zip codes.
Common questions about living in 45435
Is 45435 a good place to live?
Using BestNeighborhood's default rankings, 45435 ranks 21,699th of 33,110 zip codes. It scores highest on heat safety, short commutes, and cheap car insurance, and lowest on civic engagement and a weak job market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45435 expensive to live in?
The median home is worth $154,900. The overall cost of living runs about 13% below the national average. Set against a $36,297 median income, cost of living beats 3% of zip codes.
Is 45435 safe?
Yes, 45435 is safer than 65% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $240 per resident a year.
Compare 45435 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45435. Scores are absolute rather than ranked, which means a 60 in 45435 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.
45435 detail on BestNeighborhood maps:
- Walk Grade for 45435: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45435: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45435: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45435: carrier by carrier coverage behind the cell score.
45435 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.