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Dayton: Economy & Jobs

Median household income in Dayton is $45,247 (1.5× below Montgomery County median $66,139; 1.6× below Ohio median $71,389), with homes at a median value of $100,600. The surrounding county supports 80,197 jobs (avg $72,302).

Income & Affordability

Median household income $45,247 — below the Ohio median ($66,082). Poverty rate 26.9% (U.S. average ~12.5%). 44% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).

Affordability · Home Price To Income2.2×
Affordability · Home Affordabilityaffordable
Affordability · Rent Pct Income23.0%
Affordability · Rent Affordabilityaffordable
Affordability · Pct Severely Rent Burdened44.5%
Affordability · Poverty Rate26.9%
Affordability · Property Tax Pct Income3.7%
Irs Income · IRS tax returns filed$80,440
Irs Income · Total Adjusted Gross Income (thousands)$6,798,122
Irs Income · Average AGI per return$84,512 (vs Ohio $78,408)
Irs Income · Year2022
Income Estimate$49,516
Median Household Income$45,247 (vs Ohio $66,082)
Poverty Rate26.9%

Sources: IRS SOI 2022 · Census ACS 5-Year 2023  ·  Refreshed 2026-04-12

Economic Character

Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.

Economic Character · Workforcemixed
Economic Character · Top IndustryEducation Healthcare
Economic Character · Income Levelworking-class
Economic Character · Median Income$45,247

Employment & Workforce

Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 5.3% — above the U.S. average of ~4%. 10% work from home (U.S. average ~15%).

Commuter Profile · Mean Commute Min20.30
Commuter Profile · Work From Home Pct9.7%
Commuter Profile · Profileshort commute
Employment · Avg annual employment (county)80,197
Employment · Total annual wages (county)$5,798,356,661
Employment · Average annual pay$72,302
Employment · Year2024
State Occupation Wages · Year2023
State Occupation Wages · All Occupations · Soc Code00-0000
State Occupation Wages · All Occupations · TitleAll Occupations
State Occupation Wages · All Occupations · Employment5,469,160
Unemployment Rate5.3% (vs Ohio 3.4%)

Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023  ·  Refreshed 2026-04-12

Industry Sectors

Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.

Agriculture · Total Farms766
Agriculture · Land In Farms Acres35,530
Agriculture · Avg Farm Size Acres46.40
Agriculture · Top CommoditiesCrop Totals, Grain, Corn, Soybeans, Animal Totals
Agriculture · Year2022
Business Patterns · Establishments (employer count)3,261
Business Patterns · Total Employees56,027
Business Patterns · Annual Payroll Thousands2,913,315
Business Patterns · Year2022

Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match

Local Business Mix

Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.

Local Businesses · Grocery Stores19
Local Businesses · Convenience Stores16
Local Businesses · Liquor Stores9
Local Businesses · Gas Stations47
Local Businesses · Department Stores4
Local Businesses · General Merchandise21
Local Businesses · Clothing Stores23
Local Businesses · Pet Stores11

Sources: Census CBP — NAICS detail codes

Dining Scene

Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.

Dining Scene · Full Service Restaurants118
Dining Scene · Fast Food157
Dining Scene · Bars14
Dining Scene · Coffee Snacks39

Sources: Census CBP NAICS 722

Banking

FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.

Branches (20)

Minster Bank
VANDALIA-BUTLER BRANCH · 8530 N Dixie Dr · 45414
Fifth Third Bank, National Association
OAKWOOD BANKING CENTER · 2601 Far Hills Ave · 45419
Fifth Third Bank, National Association
TOWN & COUNTRY BANKING CENTER · 4120far Hills Ave · 45429
Fifth Third Bank, National Association
DAYTON MALL BANKING CENTER · 2096 Miamisburg Centerville Rd · 45459
PNC Bank, National Association
LYONS ROAD BRANCH · 1165 Miamisburg Centerville Rd · 45459
JPMorgan Chase Bank, National Association
WASHINGTON PARK BRANCH · 7990 Washington Village Dr · 45459
KeyBank National Association
NORTHRIDGE BRANCH · 4600 N Dixie Dr · 45414
Fifth Third Bank, National Association
HUBER HEIGHTS BRANCH · 7601 Troy Pike · 45424
Civista Bank
WHIPP ROAD BRANCH · 29 W Whipp Rd · 45459
PNC Bank, National Association
DAYTON DOWNTOWN BRANCH · 312 N Patterson Blvd · 45402
The Huntington National Bank
ALEX-BELL AND S.R. 741 BRANCH · 5900 Springboro Pike · 45449
The Huntington National Bank
OAKWOOD OFFICE BRANCH · 2401 Far Hills Ave · 45419
PNC Bank, National Association
FOREST PARK PLAZA BRANCH · 4490 N Main St · 45405
JPMorgan Chase Bank, National Association
FAR HILLS AVENUE BRANCH · 2800 Far Hills Ave · 45419
First Financial Bank
DAYTON BRANCH · 4801 N Main St · 45405
JPMorgan Chase Bank, National Association
SUGARCREEK BANKING CENTER BRANCH · 6460 Wilmington Pike · 45459
WesBanco Bank, Inc.
BEAVERCREEK BRANCH · 1243 N Fairfield Rd · 45432
The Old Fort Banking Company
SUGARCREEK TOWNSHIP BRANCH · 6430 Wilmington Pike · 45459
The Huntington National Bank
SIEBENTHALER BRANCH · 3504 W Siebenthaler Ave · 45406
Woodforest National Bank
MIAMISBURG-DAYTON OH WALMART BRANCH · 8800 Kingsridge Dr · 45458

SNAP & Food Access

USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.

Sample (5)

Fresh Halal Market
Grocery Store · 721 Lyons Rd
Smith's Carry Out
Convenience Store · 260 Lorenz Ave
Hope African Market Llc
Grocery Store · 2601 Stanley Ave
Sunoco Food Mart
Convenience Store · 4774 Taylorsville Rd
Meijer Inc 103
Super Store · 5858 Springboro Pike
Nearest Snap · NameFresh Halal Market
Nearest Snap · Total In Area310

Sources: USDA SNAP API — state+city name match

Chamber of Commerce

IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.

Chamber Of Commerce · NameDAYTON AREA CHAMBER OF COMMERCE

Sources: IRS EO BMF  ·  Refreshed 2026-04-12

Spending & Tax

Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).

Federal Spending · Federal Spending Fy2024$3,149,405,455
Federal Spending · Per Capita18,750.26 (vs Ohio $6,792)
Federal Spending · Population167,966 people (vs Ohio 29,269)

Sources: USAspending API

Other

Job Training · Total count10
Pct Drove Alone72.2%
Pct Public Transit4.3%
Pct Walked9.7%
Retirement Score · Median age34.1 years (vs Ohio 38.1y)
Retirement Score · Ss Household Pct28.9%
Retirement Score · Hospitals Nearby3
Retirement Score · Va AccessYes
Retirement Score · Factorshospital access, VA nearby
Retirement Score · Ratingfair

Sources: IRS BMF keyword search · Census ACS 5-Year 2023  ·  Refreshed 2026-04-12