45402 Property Tax Rate
Dayton, Ohio · Part of Montgomery County
Effective Tax Rate
1.29%
40.6% below state avgMedian Annual Tax
$1,368
$114/mo escrow
Estimate Your Tax
Annual Tax
$1,368
Monthly
$114
Eff. Rate
1.29%
Buyer decision brief
What ZIP 45402 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$114/mo
Based on median annual tax paid
State context
0.05 percentage points above the Ohio average
Ohio average: 1.24%
Data confidence
Moderate confidenceThe Census margin of error is $236, about 17% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Montgomery County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
Similar in-state ZIPs in this comparison set do not show a lower effective rate. Use the state table to widen the search.
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 45402 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Moderate ACS confidence
$236 tax MOE, 17% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Montgomery County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 45402
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $105,900, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.29%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Ohio and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $114 per month before insurance, HOA dues, or special assessments.
Assessor verification
Montgomery County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 45402 Compares
Median Annual Property Tax
ZIP 45402
1.29%
Effective rate
Ohio Avg
1.24%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Ohio
Higher than 64% of ZIP codes in Ohio(64th percentile, 1,116 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 45402
Property owners in ZIP code 45402 (Dayton, Ohio) pay a median of $1,368/year in property taxes on homes valued at $105,900. This translates to an effective tax rate of 1.29%, which is 4% above the Ohio state average of 1.24%.
The monthly property tax burden for a median-valued home in 45402 is approximately $114, which factors into escrow payments on mortgages. This ZIP code is located within Montgomery County. This is $936 less than the Ohio average of $2,304/year.
Compared to similar ZIP codes in Ohio, 45402 has higher property taxes. ZIP codes with similar effective rates include 45102 (1.29%) and 43570 (1.29%).
In Dayton, property taxes represent approximately 3.0% of the median household income of $45,386, providing context for the relative tax burden on homeowners in this area.
Ohio reassesses property values triennially by county auditor, and your home will be revalued at purchase price when you buy; the 2.5% Owner-Occupancy Credit applies to primary residences, reducing your effective tax rate. If you are 65 or older or disabled, file for the Homestead Exemption with the Montgomery County Auditor to exclude up to $35,000 of assessed value from taxation. Contact the Montgomery County Auditor's office immediately after closing to claim your Owner-Occupancy Credit and verify your primary residence status on the tax record.
Frequently Asked Questions
What is the property tax rate in ZIP code 45402?
How much are property taxes in Dayton, OH (45402)?
How does ZIP 45402 compare to the Ohio average?
What is the median home value in ZIP 45402?
What county is ZIP code 45402 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$236. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 45402 is part of Montgomery County, Ohio. View the full county profile for broader context and more data.
View Montgomery County on TaxByCounty →Explore Dayton, OH
View all 25 ZIP codes in Dayton with property tax comparisons.
View Dayton Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 45402
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
45430
Dayton, OH
$155,800 higher median home value than ZIP 45402.
Rate
1.96%
Tax
$5,125
Quality
94
45431
Dayton, OH
$91,700 higher median home value than ZIP 45402.
Rate
1.77%
Tax
$3,499
Quality
94
45432
Dayton, OH
$76,000 higher median home value than ZIP 45402.
Rate
1.91%
Tax
$3,471
Quality
94
45434
Dayton, OH
$184,600 higher median home value than ZIP 45402.
Rate
2.04%
Tax
$5,940
Quality
94
45440
Dayton, OH
$142,300 higher median home value than ZIP 45402.
Rate
1.90%
Tax
$4,719
Quality
94
45243
Cincinnati, OH
$511,000 higher median home value than ZIP 45402.
Rate
1.50%
Tax
$9,278
Quality
94
45174
Terrace Park, OH
$475,100 higher median home value than ZIP 45402.
Rate
1.72%
Tax
$10,001
Quality
70
43021
Galena, OH
$418,900 higher median home value than ZIP 45402.
Rate
1.61%
Tax
$8,475
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.