COUNTY REPORT OH

Montgomery County, Ohio

52 ZIP codes · Avg score 51/100 · Grade D

ZipCheckup grade for Montgomery County: D.

Federal records show several conditions worth reviewing.

The D-F rating for Montgomery County calls for a closer look, not alarm, and each of its 52 ZIP codes has its own report.

How Montgomery County Compares

Montgomery County51/100
Ohio avg60/100
National avg73/100

How Montgomery County Compares

D
County Grade
51/100
Avg Safety Score
52
ZIP Codes
25
Water Systems

Montgomery County scores 9 points below the Ohio state average (60/100) and 22 points below the national average (73/100).

Data: ZipCheckup Home Safety Score model 4.0.0; EPA SDWIS, UCMR 5, EPA radon zones, EPA AirData

D
County Grade
51
Avg Safety Score
52
ZIP Codes
Best ZIP: 45435 (65/100)
Lowest ZIP: 45309 (41/100)
$164K
Median Home Value
$3,506
Avg Remediation (2.13% of home value)

ZIP Code Risk Map

Water Quality Map: Montgomery County, Ohio

Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.

A B C D F

Key Risk Factors

Health risk index: 14 (asthma 11.5%, diabetes 14.5%)

Modeled additional annual cost estimate per homeowner: $900, largest modeled factor: Flood

County Health Indicators vs National Average

Asthma 11.5% (national: 8.9%)
Diabetes 14.5% (national: 10.5%)
Obesity 37% (national: 32.4%)

Black markers indicate national averages. Source: CDC PLACES, Census ACS.

Infrastructure Overview

43/100
Infrastructure Stress Indicator
46%
ZIPs with High Infrastructure Stress

Modeled area-level indicator, not a failure probability. Sources: Census ACS housing age, EPA DWINSA infrastructure needs, EPA SDWIS violations, and EPA lead indicators.

Compound Risk Breakdown

Estimated additional annual cost per homeowner: $900

Flood $615/yr
Water / Lead $550/yr
Energy Code Gap $512/yr

Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).

Water Safety Affordability

How much it costs to fix water issues relative to home values in Montgomery County

$164K
Median Home Value
$3,506
Est. Remediation Cost
2.1%
of Home Value
Remediation as % of home value moderate burden

Water safety remediation is a moderate expense relative to home values. The timing of improvements depends on the specific hazard.

Remediation includes water filtration, lead abatement, radon mitigation, and flood protection where applicable. Source: Census ACS, EPA SDWIS.

Health Outcomes vs National Average

CDC PLACES data for Montgomery County residents

Asthma 11.5% (US avg: 8.9%)
Diabetes 14.5% (US avg: 11%)
Obesity 37% (US avg: 32.4%)

Black markers = national averages. Red = above national avg. Green = below. Source: CDC PLACES, Census ACS.

Water systems mapped to Montgomery County ZIP codes

8 community water systems mapped to Montgomery County ZIP codes; EPA may list more systems serving the county.

Show all 8 water systems

25 water systems mapped to Montgomery County ZIP codes in our data; EPA may list more systems serving the county.

Systems with the most violations in Montgomery County

5 water systems with violations in EPA records.

All ZIP Codes in Montgomery County

52 ZIP codes tracked in Montgomery County.

# ZIP Code City Safety Score Grade Violations Home Value
1 45435 Dayton 65 C 1 —
2 45327 Germantown 64 C 3 $198K
3 45449 Dayton 64 C 5 (1 health) $148K
4 45325 Farmersville 62 C 4 $212K
5 45345 New Lebanon 61 C 7 $139K
6 45377 Vandalia 50 D 0 $192K
7 45402 Dayton 50 D 0 $106K
8 45403 Dayton 50 D 0 $74K
9 45405 Dayton 50 D 0 $74K
10 45406 Dayton 50 D 0 $82K
11 45409 Dayton 50 D 0 $231K
12 45410 Dayton 50 D 0 $98K
13 45414 Dayton 50 D 0 $163K
14 45415 Dayton 50 D 1 $169K
15 45416 Dayton 50 D 0 $76K
16 45420 Dayton 50 D 0 $116K
17 45428 Dayton 50 D 0 —
18 45439 Dayton 50 D 0 $120K
19 45315 Clayton 49 D 4 $184K
20 45424 Dayton 49 D 1 $169K
21 45417 Dayton 46 D 5 $73K
22 45440 Dayton 46 D 4 (1 health) $248K
23 45426 Dayton 45 D 6 $112K
24 45322 Englewood 44 D 6 $166K
25 45342 Miamisburg 44 D 11 (2 health) $207K
26 45309 Brookville 41 D 12 (1 health) $197K
27 45343 Miamisburg — — —
28 45354 Phillipsburg — — 5 $138K
29 45400 Dayton — — —
30 45401 Dayton — — —
31 45408 Dayton — — —
32 45412 Dayton — — —
33 45413 Dayton — — —
34 45418 Dayton — — —
35 45422 Dayton — — —
36 45423 Dayton — — —
37 45427 Dayton — — —
38 45429 Dayton — — 0 $221K
39 45437 Dayton — — —
40 45441 Dayton — — —
41 45448 Dayton — — —
42 45454 Dayton — — —
43 45458 Dayton — — 3 (1 health) $338K
44 45459 Dayton — — 3 (1 health) $276K
45 45463 Dayton — — —
46 45469 Dayton — — 0 —
47 45470 Dayton — — —
48 45475 Dayton — — —
49 45479 Dayton — — —
50 45481 Dayton — — —
51 45482 Dayton — — —
52 45490 Dayton — — —

Recommended Buyer Guides for Montgomery County

These buyer guides are matched by rule rather than by hand - a PFAS record adds a PFAS filter guide, a lead action-level exceedance adds lead filter guides, a high share of pre-1978 homes adds lead paint test kits, EPA Radon Zone 1 add radon kits, and a top flood or wildfire risk adds related equipment.

Overview

Montgomery County in Ohio covers 52 tracked ZIP records with an average Home Safety Score of D (51/100) across 26 scored records.

17 of 31 ZIP codes with a reported violation count in the available EPA record have recorded EPA violations. 4 health-based violations appear in the available health breakdown.

← Back to Ohio Home Safety Profile

Data Sources

Reporting periods vary by source. Missing data is shown as unavailable, not as zero.

What You Can Do

Montgomery County has an average Home Safety grade of D across its scored ZIP records. Here are steps to protect your household.

1

Test your tap water

Ask a certified laboratory which tests it offers for lead, bacteria, and other contaminants relevant to your home; a $20-$50 kit may cover only certain contaminants.

2

Consider a certified water filter

NSF/ANSI-certified filters reduce the specific contaminants listed on their certification. Match the filter to your test results for best protection. Try our filter matcher

3

Contact your water utility

Request the latest Consumer Confidence Report (CCR) from your water provider. It reports monitored contaminants detected in the utility's water and related compliance information.

Frequently Asked Questions

Is water safe in Montgomery County?
Montgomery County receives a grade of D. 6 of 52 ZIP codes are mapped to water systems with reported health-based violations. Independent water testing is recommended.
How many water systems serve Montgomery County?
We map 25 public water systems to 52 ZIP codes in our data for Montgomery County. EPA may list more systems serving the county, so this is not a full count.
What is the biggest environmental risk in Montgomery County?
In ZipCheckup's cost model, the factor with the largest estimated average annual cost in Montgomery County is flood. Across all modeled risk factors, the estimated average additional annual cost is $900 per homeowner; actual costs vary by home.
How does Montgomery County compare to Ohio?
Montgomery County has an average Home Safety Score of 51/100 under model 4.0.0, which is below the Ohio state average of 60/100.

How to cite this page

APA ZipCheckup. (2026). Montgomery County, OH: HSS 51/100; Lead Above EPA Action Level. https://zipcheckup.com/county/ohio/montgomery/
BibTeX
@misc{zipcheckup-county-ohio-montgomery,
  author = {{ZipCheckup}},
  title  = {{Montgomery County, OH: HSS 51/100; Lead Above EPA Action Level}},
  year   = {2026},
  url    = {https://zipcheckup.com/county/ohio/montgomery/}
}

Page version: October 2026.

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