Census tract · Montgomery County
Census Tract 203, Montgomery County, Ohio
Census Tract 203, GEOID 39113020300, in Montgomery County, Ohio, entirely within Kettering. 2,375 residents in the ACS 2020-2024 5-year estimates (±243); the 2020 Census counted 2,653.
Residents, 2020-2024
2,375
±243 (90% margin)
2020 Census count: 2,653
Median household income
$105,600
±$9,482 (90% margin)
Montgomery County: $66,139
Median home value
$278,700
±$17,953 (90% margin)
Montgomery County: $180,900
Median gross rent
not published
Montgomery County: $1,026
Where is Census Tract 203?
Census Tract 203 is one of 156 census tracts in Montgomery County, Ohio. It covers 1.17 square miles of land, 2,275 residents per square mile in 2020. Its GEOID, 39113020300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Kettering | 100% |
6 census tracts border Census Tract 203: Tract 101 ($198,125), Tract 201 ($76,339), Tract 202 ($76,354), Tract 204 ($73,382), Tract 207 ($83,931) and Tract 208 ($79,838). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 203?
The 2020-2024 American Community Survey puts Census Tract 203's population at 2,375 (±243) in 1,068 households; the 2020 Census counted 2,653 residents and 1,221 housing units.
| Measure | Tract 203 | Kettering |
|---|---|---|
| Total population | 2,375±243 | 57,206 |
| Households | 1,068±121 | 25,987 |
| Average household size | 2.22±0.13 | 2.18 |
| Housing units | 1,128±100 | 27,191 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 203?
The median resident of Census Tract 203 is 55.6 years old; 14.1% are under 18 and 33.1% are 65 or older. The largest group is non-Hispanic white residents at 89.6%, then non-Hispanic Black residents at 5.0%.
| Measure | Tract 203 | Kettering |
|---|---|---|
| Median age | 55.6±3.6 | 38.5 |
| Under 18 years | 14.1%±2.3 pts | 20.9% |
| 65 years and over | 33.1%±5.0 pts | 19.7% |
| Hispanic or Latino (any race) | 0.9%±1.0 pts | 3.7% |
| White alone, not Hispanic | 89.6%±5.6 pts | 83.1% |
| Black or African American alone, not Hispanic | 5.0%±4.5 pts | 6.0% |
| Asian alone, not Hispanic | 0.9%±1.0 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.0%±1.6 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0%±1.6 pts | 0.0% |
| Two or more races, not Hispanic | 3.6%±3.2 pts | 5.0% |
| Some other race alone, not Hispanic | 0.0%±1.6 pts | 0.5% |
| Born outside the United States | 2.6%±2.1 pts | 5.4% |
| Speak a language other than English at home (age 5+) | 1.3%±1.2 pts | 6.4% |
| Civilian veterans (age 18+) | 11.4%±4.0 pts | 8.8% |
| With a disability | 17.4%±5.0 pts | 13.1% |
| No health insurance coverage | 2.8%±1.9 pts | 5.6% |
| High school graduate or higher (age 25+) | 96.0%±2.7 pts | 95.3% |
| Bachelor's degree or higher (age 25+) | 58.6%±6.7 pts | 41.7% |
| Graduate or professional degree (age 25+) | 27.6%±6.4 pts | 16.8% |
| Lived in the same house a year earlier | 95.1%±3.3 pts | 86.5% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 203 earn?
Half of the 1,068 households in Census Tract 203 earn less than $105,600 a year (±$9,482), against $66,139 across Montgomery County: 17th highest of the county's 148 tracts with a reliable estimate. 7.8% of residents live below the poverty line.
| Measure | Tract 203 | Kettering |
|---|---|---|
| Median household income | $105,600±$9,482 | $74,681 |
| Mean household income | $148,461±$32,653 | $94,283 |
| Per capita income | $67,558±$14,329 | $43,234 |
| People below the poverty line | 7.8%±4.8 pts | 8.3% |
| Children under 18 below the poverty line | 0.0%±10.6 pts | 8.8% |
| Households receiving SNAP | 6.5%±5.1 pts | 7.5% |
| Households with a computer | 91.8%±4.9 pts | 96.4% |
| Households with a broadband subscription | 91.7%±5.0 pts | 94.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 203?
Owners occupy 84.0% of Census Tract 203's occupied homes and renters 16.0%. The median owner-occupied home is valued at $278,700 by its owner (±$17,953).
| Measure | Tract 203 | Kettering |
|---|---|---|
| Median home value (owner-occupied) | $278,700±$17,953 | $208,500 |
| Renters paying 35% or more of income on rent | 35.1%±29.4 pts | 36.8% |
| Median monthly owner costs, with a mortgage | $2,018±$179 | $1,467 |
| Owner-occupied homes | 84.0%±5.4 pts | 64.9% |
| Renter-occupied homes | 16.0%±5.4 pts | 35.1% |
| Housing units | 1,128±100 | 27,191 |
| Single-family detached homes | 80.9%±6.3 pts | 68.7% |
| Mobile homes | 0.0%±3.3 pts | 0.4% |
| Built 2020 or later | 0.0%±3.3 pts | 0.2% |
| Built 2010 to 2019 | 0.0%±3.3 pts | 0.9% |
| Built 1939 or earlier | 15.0%±6.1 pts | 5.6% |
| Households with no vehicle | 7.1%±4.8 pts | 6.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 203 get to work?
76.4% of Census Tract 203's workers drive alone and 19.3% work from home. The average trip to work takes 19.7 minutes.
| Measure | Tract 203 | Kettering |
|---|---|---|
| In the labor force (age 16+) | 58.8%±5.3 pts | 66.3% |
| Unemployment rate | 5.5%±3.7 pts | 3.8% |
| Drove alone to work | 76.4%±7.2 pts | 76.3% |
| Carpooled | 2.8%±2.2 pts | 8.2% |
| Public transportation | 0.1%±0.2 pts | 0.9% |
| Walked | 1.5%±2.1 pts | 1.2% |
| Worked from home | 19.3%±6.4 pts | 12.6% |
| Mean travel time to work | 19.7 min±3.3 | 20.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 203 compare with the other tracts in Montgomery County?
Among Montgomery County's tracts with a reliable estimate, Census Tract 203 ranks as shown below (1 = highest).
| Measure | In Montgomery County | In Kettering |
|---|---|---|
| Population | 109th of 155 | 13th of 23 |
| Residents per square mile | 92nd of 156 | 20th of 23 |
| Median household income | 17th of 148 | 1st of 23 |
| Per capita income | 5th of 155 | 1st of 23 |
| Median home value | 17th of 150 | 2nd of 23 |
| Poverty rate | 96th of 112 | 9th of 14 |
| Bachelor's degree or higher | 10th of 142 | 2nd of 23 |
| Median age | 4th of 154 | 2nd of 23 |
| Owner-occupied share | 25th of 153 | 4th of 23 |
The tracts next to it on Montgomery County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 1150.12 | 14th | $107,373±$12,103 · within the margin of this tract |
| Tract 903.04 | 15th | $107,264±$18,797 · within the margin of this tract |
| Tract 401.01 | 16th | $106,458±$12,480 · within the margin of this tract |
| Tract 203 | 17th | $105,600±$9,482 |
| Tract 403.03 | 18th | $104,154±$12,829 · within the margin of this tract |
| Tract 401.03 | 19th | $104,048±$23,033 · within the margin of this tract |
| Tract 402.01 | 20th | $101,429±$20,524 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 203?
3 of the 17 figures for Census Tract 203 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections