2023 Montgomery County, Ohio Demographics | Data & Analysis

Ready-to-use reports, analytics, and visualizations covering Montgomery County, Ohio, including population, race, income, and more. Based on 2023 American Community Survey Estimates.

Montgomery County, Ohio Key Demographic Statistics (2023 Estimates)

Key demographic statistics summarized from the U.S. Census Bureau's 2023 American Community Survey (ACS).

Total Population
535,528
Median Age
38.8 years
Median Household Income
$64,403
Bachelor's Degree+
30.52%
Uninsured Rate
6.5%
Total Households
230,149
Total Workers
251,933
Citizenship Rate
97.6%
Total Veterans
35,205
Top Veteran Era
Vietnam Era Only
Poverty Rate
10.7%
Families in Poverty
14,145
SNAP Recipients
13.48%
Households w/ SNAP
31,021

Source: U.S. Census Bureau, 2023 American Community Survey (ACS) Estimates

Montgomery County, Ohio 2023 Demographics: Age & Gender Distribution

Bar chart showing the population distribution of Montgomery County, Ohio by age group and gender, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the total population of Montgomery County, Ohio is 535,528. The median age of the population in Montgomery County, Ohio is 38.8 years. The median age for males is 37.2 years, and for females it is 40.5 years.

The age distribution of the population in Montgomery County, Ohio by age group is as follows:

Population Percentage by Age Group in Montgomery County, Ohio, 2023
Age Group Percentage
Under 5 years 5.95%
5–17 years (children) 16.30%
18–24 years (young adults) 9.06%
25–34 years 13.83%
35–54 years 23.46%
55–64 years 13.10%
65 years and over (seniors) 18.30%

Understanding the Demographic Dependency Ratio in Montgomery County, Ohio

The total dependency ratio in Montgomery County, Ohio is 68.20. The youth dependency ratio is 37.41, and the old-age dependency ratio is 30.79. In demographic terms, the dependency ratio measures the size of the population typically not in the labor force (children under 18 and older adults 65+) relative to the working age (18-64) population. A higher ratio indicates a greater financial and social burden on the working population to support the non-working age groups.

For more detailed reports, explore the demographics for each of the most populated ZIP Codes in Montgomery County, Ohio, including Dayton (45424) (49,871), Dayton (45458) (37,413), and Miamisburg (45342) (36,675).


What is the Racial and Ethnic Breakdown of Montgomery County, Ohio?

Race and Ethnicity Distribution Chart for Montgomery County, Ohio
Source: U.S. Census Bureau, 2023 ACS Estimates

The racial makeup and ethnic composition (racial demographics) of Montgomery County, Ohio is detailed below, based on the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates.

The Diversity Index for Montgomery County, Ohio is calculated at 48.82, suggesting a moderate level of racial and ethnic diversity. This index measures the probability that two people chosen at random will be from different racial or ethnic groups.

The following table provides the breakdown of the population of Montgomery County, Ohio by race and ethnicity:

Population Percentage by Racial and Ethnic Group in Montgomery County, Ohio, 2023
Racial/Ethnic Group Percentage
White Alone (Non-Hispanic) 68.26%
Black/African American Alone 20.40%
Two or More Races 4.68%
Hispanic or Latino (Any Race) 4.05%
Asian Alone 2.16%
Some Other Race Alone 0.36%
American Indian and Alaska Native Alone 0.08%
Native Hawaiian or Other Pacific Islander Alone 0.02%

Montgomery County, Ohio 2023 Demographics: Household Income Distribution

Horizontal bar chart showing household income distribution in Montgomery County, Ohio.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the median household income in Montgomery County, Ohio over the past 12 months, adjusted for 2023 inflation, was $64,403. This figure is based on a total of 230,149 households.

The distribution of household income in Montgomery County, Ohio across various income brackets is as follows:

Household Income Distribution in Montgomery County, Ohio, 2023
Income Range Percentage of Households
Less than $20,000 14.25%
$20,000 to $34,999 12.30%
$35,000 to $49,999 12.73%
$50,000 to $74,999 17.87%
$75,000 to $149,999 28.92%
$150,000 or more 13.94%

For detailed household income distribution reports on the ZIP Codes with the highest median household income in Montgomery County, Ohio, explore the data for: Springboro (45066) ($122,208), Dayton (45458) ($110,682), and Tipp City (45371) ($89,425).


Montgomery County, Ohio 2023 Demographics: Property Value Distribution

Line chart showing the distribution of property values for owner-occupied housing units in Montgomery County, Ohio.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the distribution of property values for owner-occupied housing units in Montgomery County, Ohio is based on a total of 143,441 properties.

The property value distribution in Montgomery County, Ohio across various value brackets is as follows:

Property Value Distribution in Montgomery County, Ohio, 2023
Property Value Range Percentage of Properties
Less than $25,000 3.12%
$25,000 to $49,999 4.28%
$50,000 to $99,999 16.27%
$100,000 to $199,999 37.71%
$200,000 to $499,999 35.39%
$500,000 to $999,999 3.02%
$1,000,000 or more 0.22%

Educational Attainment in Montgomery County, Ohio (2023 Data)

Treemap chart illustrating the educational attainment breakdown for population 25 years and over in Montgomery County, Ohio.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the educational attainment data covers the population 25 years and older in Montgomery County, Ohio, totaling 367,919 individuals.

92.08% of Montgomery County, Ohio population has a high school diploma or higher. Furthermore, the percentage of individuals who hold a Bachelor's Degree or a higher professional/graduate degree is 30.52%.

The detailed breakdown by educational level is presented below:

Educational Attainment Distribution in Montgomery County, Ohio, 2023
Educational Attainment Level Percentage of Population 25+
Less than high school graduate 7.92%
High school graduate (incl. equivalency) 27.64%
Some college or associate's degree 33.93%
Bachelor's Degree 18.24%
Graduate or professional degree 12.28%

What is the Health Insurance Coverage Rate in Montgomery County, Ohio?

Pyramid chart showing health insurance coverage by age and sex in Montgomery County, Ohio.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the health insurance coverage data for Montgomery County, Ohio shows that 6.5% of the population lacks health insurance coverage. This represents 34,484 individuals out of a total population of 526,710 people.

The uninsured rates vary significantly by age group. Young adults (18-34 years) have uninsured rates of 14.0% for males and 9.4% for females. In the 35-64 age bracket, 8.8% of males and 6.7% of females are uninsured.

Children under 18 and seniors aged 65+ generally have higher coverage rates due to public programs like Medicaid/CHIP and Medicare. In Montgomery County, Ohio, uninsured rates for children are 4.4% for males and 4.9% for females, while seniors have rates of 0.7% for males and 0.5% for females.

Uninsured Rates by Age Group and Sex in Montgomery County, Ohio, 2023
Age Group Male Uninsured % Female Uninsured %
Under 18 4.4% 4.9%
18-34 years 14.0% 9.4%
35-64 years 8.8% 6.7%
65+ years 0.7% 0.5%

Montgomery County, Ohio 2023 Population by Nativity and Citizenship Status

Treemap showing the population distribution by nativity and citizenship status in Montgomery County, Ohio based on U.S. Census data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the nativity and citizenship data for Montgomery County, Ohio shows that 97.6% of the population are U.S. citizens. This includes both native-born and naturalized citizens, representing 522,547 individuals out of a total population of 535,528 people.

The nativity breakdown reveals diverse origins: 93.7% were born in the United States, 0.3% were born in Puerto Rico or U.S. Island Areas, and 1.0% were born abroad of American parent(s).

Among the foreign-born population, 2.6% of the total population have become naturalized U.S. citizens (14,120 individuals), while 2.4% are non-citizens (12,981 individuals).

Nativity and Citizenship Distribution in Montgomery County, Ohio, 2023
Nativity/Citizenship Status Percentage
Born in the United States 93.7%
Born in Puerto Rico or U.S. Island Areas 0.3%
Born abroad of American parent(s) 1.0%
U.S. citizen by naturalization 2.6%
Not a U.S. citizen 2.4%
Total U.S. Citizens 97.6%

Montgomery County, Ohio 2023 Demographics: Means of Transportation to Work

Treemap showing means of transportation to work distribution in Montgomery County, Ohio.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the commuting patterns for Montgomery County, Ohio show that 84.9% of workers commute by car, truck, or van. This represents 210,340 workers out of a total workforce of 247,844 people.

Public transportation usage stands at 1.5% (3,657 workers), which includes buses, subways, light rail, commuter trains, and ferries, but excludes taxicabs. Active transportation methods include walking (2.2%) and bicycling (0.2%).

10.5% of workers in Montgomery County, Ohio report working from home. An additional 0.8% use other means such as taxicabs, motorcycles, or other forms of transportation. These alternative commuting patterns reflect changing work arrangements and transportation preferences in the modern workforce.

Commuting Methods Distribution in Montgomery County, Ohio, 2023
Transportation Method Percentage Number of Workers
Car, truck, or van 84.9% 210,340
Public transportation 1.5% 3,657
Bicycle 0.2% 450
Walked 2.2% 5,548
Taxicab, motorcycle, or other means 0.8% 1,919
Worked from home 10.5% 25,930
Total Workers - 247,844

Montgomery County, Ohio 2023 Demographics: Employment by Class of Worker

Horizontal bar chart showing employment distribution by class of worker and gender in Montgomery County, Ohio, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the civilian employed population aged 16 and over in Montgomery County, Ohio totals 251,933 workers. Of these, 127,680 (50.7%) are male and 124,253 (49.3%) are female.

The employment distribution by class of worker in Montgomery County, Ohio is as follows:

Employment Distribution by Class of Worker and Sex in Montgomery County, Ohio, 2023
Employment Class Male Workers Female Workers
Private For-Profit 96,863 (38.4%) 81,341 (32.3%)
Private Non-Profit 8,274 (3.3%) 19,226 (7.6%)
Government (All Levels) 16,138 (6.4%) 18,291 (7.3%)
  • Local Government 7,509 11,226
  • State Government 2,322 2,520
  • Federal Government 6,307 4,545
Self-Employed 6,301 (2.5%) 5,309 (2.1%)

Class of worker categorizes employed civilians by their employment arrangement. Private sector workers are employed by for-profit or non-profit companies. Government workers include those employed at local, state, or federal levels. Self-employed workers operate their own unincorporated businesses. Understanding the class of worker distribution provides insights into the economic structure and employment diversity of Montgomery County, Ohio.


Montgomery County, Ohio 2023 Demographics: Veterans by Period of Service

Horizontal bar chart showing veteran distribution by period of military service in Montgomery County, Ohio, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 35,205 civilian veterans aged 18 and over in Montgomery County, Ohio.

The largest group of veterans served during Vietnam Era Only, accounting for 10,454 veterans (29.7% of all veterans). The second-largest group served during Between Gulf War & Vietnam, with 6,262 veterans (17.8%).

The complete distribution of veterans by period of military service in Montgomery County, Ohio is as follows:

Veteran Distribution by Period of Military Service in Montgomery County, Ohio, 2023
Period of Service Number of Veterans Percentage
Vietnam Era Only (August 1964 to April 1975) 10,454 29.7%
Between Gulf War and Vietnam Era 6,262 17.8%
Post-9/11 Only (September 2001 or later) 5,234 14.9%
Gulf War Only (August 1990 to August 2001) 4,723 13.4%
Post-9/11 and Gulf War (August 1990 to August 2001) 3,507 10.0%
Between Vietnam Era and Korean War 2,129 6.0%
Korean War Only (July 1950 to January 1955) 1,148 3.3%
Gulf War and Vietnam Era 1,049 3.0%
World War II Only (December 1941 to December 1946) 302 0.9%
Vietnam Era and Korean War 198 0.6%
Post-9/11, Gulf War, and Vietnam Era 84 0.2%
Between Korean War and World War II 49 0.1%
Korean War and World War II 37 0.1%
Vietnam Era, Korean War, and World War II 29 0.1%
Total Veterans 35,205 100.0%

Period of military service categorizes veterans based on when they served on active duty in the U.S. Armed Forces. Veterans may have served during multiple periods, including World War II (December 1941–December 1946), the Korean War (July 1950–January 1955), the Vietnam Era (August 1964–April 1975), the Gulf War (August 1990–August 2001), and Post-9/11 (September 2001 or later). Understanding veteran demographics helps communities provide appropriate services, benefits, and support to those who have served.


Montgomery County, Ohio 2023 Demographics: Families by Income-to-Poverty Ratio

Horizontal bar chart showing family distribution by income-to-poverty ratio in Montgomery County, Ohio, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 132,077 families in Montgomery County, Ohio.

Of these families, 14,145 (10.7%) live below the poverty line (income less than 100% of the federal poverty level). An additional 39,069 families (29.6%) are at or near poverty (100-199% of poverty). Meanwhile, 78,863 families (59.7%) have incomes at least twice the poverty level.

The complete distribution of families by income-to-poverty ratio in Montgomery County, Ohio is as follows:

Family Distribution by Income-to-Poverty Ratio in Montgomery County, Ohio, 2023
Income-to-Poverty Ratio Number of Families Percentage
Below 50% of Poverty 6,959 5.3%
50-74% of Poverty 3,695 2.8%
75-99% of Poverty 3,491 2.6%
100-124% of Poverty 3,943 3.0%
125-149% of Poverty 4,758 3.6%
150-174% of Poverty 4,999 3.8%
175-184% of Poverty 1,961 1.5%
185-199% of Poverty 3,328 2.5%
200-299% of Poverty 20,080 15.2%
300-399% of Poverty 20,082 15.2%
400-499% of Poverty 17,483 13.2%
500%+ of Poverty 41,298 31.3%
Total Families 132,077 100.0%

Income-to-poverty ratio measures how a family's income compares to the federal poverty threshold, which varies by family size and composition. A ratio below 1.00 (100%) indicates the family lives in poverty. Ratios between 1.00 and 1.99 represent families with low incomes who may still struggle financially despite being technically above the poverty line. Families with ratios of 2.00 (200%) or higher generally have more economic security. Understanding poverty distribution helps communities allocate resources and develop programs to support families in need.


Montgomery County, Ohio 2023 Demographics: SNAP/Food Stamps Recipients

Stacked bar chart showing SNAP/Food Stamps recipient household composition by presence of children under 18 in Montgomery County, Ohio, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 230,149 total households in Montgomery County, Ohio. Of these, 31,021 households (13.48%) received SNAP/Food Stamps benefits in the past 12 months.

Among SNAP-recipient households, 14,066 (45.34%) have children under 18 years, while 16,955 (54.66%) do not have children under 18 years.

Household Composition of SNAP Recipients

SNAP Recipient Household Composition in Montgomery County, Ohio, 2023
Household Type With Children Under 18 No Children Under 18
Married-Couple Family 3,253 (10.49%) 1,591 (5.13%)
Male Householder, No Spouse 1,232 (3.97%) 887 (2.86%)
Female Householder, No Spouse 9,412 (30.34%) 1,940 (6.25%)
Nonfamily Households 169 (0.54%) 12,537 (40.41%)

The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, provides nutrition assistance to low-income individuals and families. The program aims to help eligible households purchase nutritious food. SNAP participation rates and household composition patterns provide important insights into economic hardship and food security challenges in Montgomery County, Ohio. Households with children under 18 often face greater nutritional needs, while households without children may include seniors, disabled individuals, or working adults facing economic challenges.


Frequently Asked Questions (FAQs)

The age breakdown for the population of Montgomery County, Ohio is detailed below, showing the percentage of the total population for each group:

Age Group Percentage
Under 5 years5.95%
5–17 years (children)16.30%
18–24 years (young adults)9.06%
25–34 years13.83%
35–54 years23.46%
55–64 years13.10%
65 years and over (seniors)18.30%

The racial and ethnic composition of Montgomery County, Ohio is dominated by: White Alone (Non-Hispanic): 68.26%, Black/African American Alone: 20.40%, Two or More Races: 4.68%. The complete breakdown includes 8 distinct racial and ethnic categories.

The median household income in Montgomery County, Ohio is $64,403. This represents the midpoint of all household incomes in the area, meaning half of households earn more than this amount and half earn less.

The household income distribution in Montgomery County, Ohio is: Very Low Income (under $20,000): 14.25%, Low Income ($20,000-$34,999): 12.30%, Lower Middle Income ($35,000-$49,999): 12.73%, Middle Income ($50,000-$74,999): 17.87%, Upper Middle Income ($75,000-$149,999): 28.92%, High Income ($150,000+): 13.94%.

Approximately 29.58% of households in Montgomery County, Ohio earn over $100,000 annually. This includes households earning between $100,000 and $124,999, $125,000 and $149,999, $150,000 and $199,999, and $200,000 or more.

The property value distribution for owner-occupied housing units in Montgomery County, Ohio is: Less than $25,000: 3.12%, $25,000-$49,999: 4.28%, $50,000-$99,999: 16.27%, $100,000-$199,999: 37.71%, $200,000-$499,999: 35.39%, $500,000-$999,999: 3.02%, $1,000,000 or more: 0.22%.

There are 143,441 owner-occupied housing units in Montgomery County, Ohio. This represents homes that are owned by the people living in them, as opposed to rental properties or vacant units.

Approximately 3.23% of owner-occupied housing units in Montgomery County, Ohio are valued over $500,000. This includes properties valued between $500,000 and $749,999, $750,000 and $999,999, $1,000,000 and $1,499,999, $1,500,000 and $1,999,999, and $2,000,000 or more.

In Montgomery County, Ohio, 30.52% of the population aged 25 and older holds a bachelor's degree or higher. This includes those with bachelor's degrees as well as those with graduate or professional degrees.

The educational attainment breakdown for Montgomery County, Ohio (population 25+) is: Less than high school graduate: 7.92%, High school graduate (including equivalency): 27.64%, Some college or associate's degree: 33.93%, Bachelor's degree: 18.24%, Graduate or professional degree: 12.28%.

In Montgomery County, Ohio, 92.08% of the population aged 25 and older has completed at least a high school education. This includes high school graduates, those with some college, associate's degrees, bachelor's degrees, and graduate degrees.

In Montgomery County, Ohio, 6.5% of the population lacks health insurance coverage. This represents 34,484 individuals out of a total population of 526,710 people.

The uninsured rates vary by age group in Montgomery County, Ohio. For young adults (18-34 years), 14.0% of males and 9.4% of females lack coverage. In the 35-64 age group, 8.8% of males and 6.7% of females are uninsured. These working-age populations typically face different coverage challenges than children or seniors.

Children under 18 in Montgomery County, Ohio have uninsured rates of 4.4% for males and 4.9% for females. Seniors aged 65 and older, who are typically covered by Medicare, have uninsured rates of 0.7% for males and 0.5% for females. These age groups generally have higher coverage rates due to public programs.

In Montgomery County, Ohio, 97.6% of the population are U.S. citizens. This includes native-born citizens and naturalized citizens. Out of a total population of 535,528 people, 522,547 are U.S. citizens.

Montgomery County, Ohio has 14,120 naturalized U.S. citizens, representing 2.6% of the total population. These are foreign-born individuals who have gone through the naturalization process to become U.S. citizens.

The nativity and citizenship breakdown for Montgomery County, Ohio is: 93.7% were born in the United States, 0.3% were born in Puerto Rico or U.S. Island Areas, 1.0% were born abroad of American parent(s), 2.6% are foreign-born naturalized U.S. citizens, and 2.4% are foreign-born non-citizens.

In Montgomery County, Ohio, 84.9% of workers commute by car, truck, or van, making it the most common means of transportation to work. Out of 247,844 total workers, 210,340 use personal vehicles for their commute.

3,657 workers in Montgomery County, Ohio use public transportation (excluding taxicabs) to commute to work, representing 1.5% of all workers. This includes buses, subways, light rail, commuter trains, and ferries.

Alternative commute methods in Montgomery County, Ohio include: 10.5% work from home, 2.2% walk to work, 0.2% bicycle, and 0.8% use other means such as taxicabs or motorcycles. These alternatives to driving alone help reduce traffic congestion and environmental impact.

"Class of worker" refers to the type of employer or work arrangement for employed civilians aged 16 and over in Montgomery County, Ohio. It categorizes workers into private sector (for-profit and non-profit), government (local, state, and federal), self-employed, and unpaid family workers. This classification helps understand the employment structure and economic composition of the workforce.

According to the American Community Survey, Montgomery County, Ohio has 251,933 employed civilians aged 16 and over. The private for-profit sector employs the largest share of workers, with 38.4% of male workers and 32.3% of female workers in this category.

In Montgomery County, Ohio, there are 16,138 male government workers and 18,291 female government workers. Government employment includes local, state, and federal positions. This represents 6.4% of male workers and 7.3% of female workers.

Self-employment in Montgomery County, Ohio includes 6,301 males (2.5%) and 5,309 females (2.1%). Self-employed workers operate their own businesses that are not legally incorporated.

In Montgomery County, Ohio, 31,021 households (13.48% of all households) received SNAP/Food Stamps benefits in the past 12 months. Out of 230,149 total households, these families rely on this federal nutrition assistance program to help purchase food.

Of the SNAP-receiving households in Montgomery County, Ohio, 14,066 (45.34%) have children under 18 years. These families face additional nutritional needs and food security challenges as they work to provide adequate nutrition for growing children.

SNAP recipients in Montgomery County, Ohio include diverse household types. Among households with children, 9,412 (30.34%) are headed by a female householder with no spouse present, while 3,253 (10.49%) are married-couple families. The program also serves households without children, including seniors, disabled individuals, and working adults facing economic challenges.

The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, is a federal program that provides nutrition assistance to low-income individuals and families. Eligibility is based on household income, resources, and size. In Montgomery County, Ohio, SNAP helps eligible households purchase nutritious food at authorized retailers. The program aims to alleviate hunger and improve nutrition and health outcomes for vulnerable populations.

According to the U.S. Census Bureau's American Community Survey, there are 35,205 civilian veterans aged 18 and over living in Montgomery County, Ohio. These individuals have served on active duty in the U.S. Army, Air Force, Navy, Marine Corps, or Coast Guard. This number does not include those with only National Guard or Reserves training without active duty service.

The most common period of military service for veterans in Montgomery County, Ohio is Vietnam Era Only, with 10,454 veterans (29.7% of all veterans) who served during this period. The second most common period is Between Gulf War & Vietnam, with 6,262 veterans (17.8%).

"Period of service" categorizes veterans based on when they served on active duty in the U.S. Armed Forces. Major periods include World War II (December 1941-December 1946), the Korean War (July 1950-January 1955), the Vietnam Era (August 1964-April 1975), the Gulf War (August 1990-August 2001), and Post-9/11 (September 2001 or later). Veterans may have served during multiple periods. Understanding the distribution of service periods helps communities in Montgomery County, Ohio provide appropriate services and support to their veteran population.

Veterans who served during the Gulf War era (1990-2001) and Post-9/11 era (2001-present) represent approximately 59.3% of all veterans in Montgomery County, Ohio. These more recent-era veterans, totaling around 20,859 individuals, often have different service experiences and support needs compared to veterans of earlier conflicts. They may benefit from targeted programs addressing issues such as transition to civilian life, employment assistance, and access to VA healthcare services.

In Montgomery County, Ohio, 14,145 families (10.7% of all families) live below the federal poverty line. This means their household income is less than 100% of the poverty threshold established by the U.S. Census Bureau, which varies by family size and composition. Out of 132,077 total families, these households face significant economic challenges meeting basic needs.

"Income-to-poverty ratio" measures how a family's income compares to the federal poverty threshold. A ratio of 1.00 (100%) means the family's income equals the poverty line. Below 1.00 indicates poverty, while ratios above 1.00 show income levels relative to poverty. For example, a ratio of 2.00 (200%) means the family earns twice the poverty threshold. In Montgomery County, Ohio, this data helps identify not just families in poverty, but also those who are economically vulnerable despite being above the official poverty line.

Beyond families living in poverty, Montgomery County, Ohio has 39,069 families (29.6%) with incomes between 100% and 199% of the poverty level. These families are often called 'near poverty' or low-income households. Specifically, 13,700 families (10.4%) have incomes between 100% and 149% of poverty. While technically above the poverty line, these families often struggle with housing costs, healthcare, childcare, and other expenses, making them economically vulnerable.

In Montgomery County, Ohio, 6,959 families (5.3%) live in extreme poverty, with incomes below 50% of the federal poverty threshold. These families face severe economic hardship and often require comprehensive assistance programs. On the other end of the spectrum, 78,863 families (59.7%) have incomes at least 200% above the poverty level, indicating greater financial stability and economic security.