45424 Property Tax Rate
Dayton, Ohio · Part of Montgomery County
Effective Tax Rate
1.66%
21.8% above state avgMedian Annual Tax
$2,806
$234/mo escrow
Estimate Your Tax
Annual Tax
$2,806
Monthly
$234
Eff. Rate
1.66%
Buyer decision brief
What ZIP 45424 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
$234/mo
Based on median annual tax paid
State context
0.42 percentage points above the Ohio average
Ohio average: 1.24%
Data confidence
High confidenceThe Census margin of error is $85, about 3% 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
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 45424 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
Strong ACS confidence
$85 tax MOE, 3% 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 45424
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 $169,000, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.66%, 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 $234 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 45424 Compares
Median Annual Property Tax
ZIP 45424
1.66%
Effective rate
Ohio Avg
1.24%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Ohio
Higher than 87% of ZIP codes in Ohio(87th percentile, 1,116 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 45424
Property owners in ZIP code 45424 (Dayton, Ohio) pay a median of $2,806/year in property taxes on homes valued at $169,000. This translates to an effective tax rate of 1.66%, which is 34% above the Ohio state average of 1.24%.
The monthly property tax burden for a median-valued home in 45424 is approximately $234, which factors into escrow payments on mortgages. This ZIP code is located within Montgomery County. This is $502 more than the Ohio average of $2,304/year.
Compared to similar ZIP codes in Ohio, 45424 has lower property taxes. ZIP codes with similar effective rates include 45404 (1.66%) and 44102 (1.67%).
In Dayton, property taxes represent approximately 3.6% of the median household income of $78,566, 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 45424?
How much are property taxes in Dayton, OH (45424)?
How does ZIP 45424 compare to the Ohio average?
What is the median home value in ZIP 45424?
What county is ZIP code 45424 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$85. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 45424 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 45424
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
45430
Dayton, OH
$92,700 higher median home value than ZIP 45424.
Rate
1.96%
Tax
$5,125
Quality
94
45431
Dayton, OH
$28,600 higher median home value than ZIP 45424.
Rate
1.77%
Tax
$3,499
Quality
94
45432
Dayton, OH
$12,900 higher median home value than ZIP 45424.
Rate
1.91%
Tax
$3,471
Quality
94
45434
Dayton, OH
$121,500 higher median home value than ZIP 45424.
Rate
2.04%
Tax
$5,940
Quality
94
45440
Dayton, OH
$79,200 higher median home value than ZIP 45424.
Rate
1.90%
Tax
$4,719
Quality
94
45402
Dayton, OH
0.37 percentage points lower than ZIP 45424.
Rate
1.29%
Tax
$1,368
Quality
96
45417
Dayton, OH
0.02 percentage points lower than ZIP 45424.
Rate
1.64%
Tax
$1,197
Quality
101
45325
Farmersville, OH
0.18 percentage points lower than ZIP 45424.
Rate
1.49%
Tax
$3,147
Quality
89
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.