Census tract · Montgomery County
Census Tract 204, Montgomery County, Ohio
Census Tract 204, GEOID 39113020400, in Montgomery County, Ohio, mostly within Kettering (54% of its census blocks). 7,087 residents in the ACS 2020-2024 5-year estimates (±1,126); the 2020 Census counted 6,814.
Residents, 2020-2024
7,087
±1,126 (90% margin)
2020 Census count: 6,814
Median household income
$73,382
±$14,543 (90% margin)
Montgomery County: $66,139
Median home value
$272,500
±$80,371 (90% margin)
Montgomery County: $180,900
Median gross rent
$1,230
±$119 (90% margin)
Montgomery County: $1,026
Where is Census Tract 204?
Census Tract 204 is one of 156 census tracts in Montgomery County, Ohio. It covers 2.87 square miles of land, 2,375 residents per square mile in 2020. Its GEOID, 39113020400, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Kettering | 54% |
| Miami Township, Montgomery County | 46% |
8 census tracts border Census Tract 204: Tract 202 ($76,354), Tract 203 ($105,600), Tract 205 ($42,788), Tract 206.02 ($99,583), Tract 301 ($43,907), Tract 401.01 ($106,458), Tract 401.02 ($156,250) and Tract 501.05 ($87,344). 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 204?
The 2020-2024 American Community Survey puts Census Tract 204's population at 7,087 (±1,126) in 2,730 households; the 2020 Census counted 6,814 residents and 3,182 housing units.
| Measure | Tract 204 | Kettering |
|---|---|---|
| Total population | 7,087 ±1,126 | 57,206 |
| Households | 2,730 ±221 | 25,987 |
| Average household size | 2.52 ±0.28 | 2.18 |
| Housing units | 2,946 ±204 | 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 204?
The median resident of Census Tract 204 is 38.9 years old; 27.7% are under 18 and 23.6% are 65 or older. The largest group is non-Hispanic white residents at 78.8%, then non-Hispanic Black residents at 14.1%.
| Measure | Tract 204 | Kettering |
|---|---|---|
| Median age | 38.9 ±11.2 | 38.5 |
| Under 18 years | 27.7% ±6.9 pts | 20.9% |
| 65 years and over | 23.6% ±4.7 pts | 19.7% |
| Hispanic or Latino (any race) | 2.9% ±2.5 pts | 3.7% |
| White alone, not Hispanic | 78.8% ±4.9 pts | 83.1% |
| Black or African American alone, not Hispanic | 14.1% ±2.9 pts | 6.0% |
| Asian alone, not Hispanic | 1.0% ±0.9 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.1 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.1 pts | 0.0% |
| Two or more races, not Hispanic | 2.8% ±2.0 pts | 5.0% |
| Some other race alone, not Hispanic | 0.3% ±0.4 pts | 0.5% |
| Born outside the United States | 1.8% ±1.4 pts | 5.4% |
| Speak a language other than English at home (age 5+) | 2.4% ±1.6 pts | 6.4% |
| Civilian veterans (age 18+) | 10.3% ±4.5 pts | 8.8% |
| With a disability | 19.1% ±4.4 pts | 13.1% |
| No health insurance coverage | 6.0% ±4.2 pts | 5.6% |
| High school graduate or higher (age 25+) | 93.7% ±4.6 pts | 95.3% |
| Bachelor's degree or higher (age 25+) | 43.3% ±9.0 pts | 41.7% |
| Graduate or professional degree (age 25+) | 20.3% ±5.8 pts | 16.8% |
| Lived in the same house a year earlier | 89.7% ±4.8 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 204 earn?
Half of the 2,730 households in Census Tract 204 earn less than $73,382 a year (±$14,543), against $66,139 across Montgomery County: 63rd highest of the county's 148 tracts with a reliable estimate. 23.7% of residents live below the poverty line.
| Measure | Tract 204 | Kettering |
|---|---|---|
| Median household income | $73,382 ±$14,543 | $74,681 |
| Mean household income | $133,755 ±$25,836 | $94,283 |
| Per capita income | $53,723 ±$13,656 | $43,234 |
| People below the poverty line | 23.7% ±12.1 pts | 8.3% |
| Children under 18 below the poverty line | 54.2% ±21.3 pts | 8.8% |
| Households receiving SNAP | 17.3% ±6.5 pts | 7.5% |
| Households with a computer | 96.5% ±3.1 pts | 96.4% |
| Households with a broadband subscription | 97.1% ±2.3 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 204?
Owners occupy 68.4% of Census Tract 204's occupied homes and renters 31.6%. The median owner-occupied home is valued at $272,500 by its owner (±$80,371). The median renter pays $1,230 a month including utilities, and 43.8% of renters pay 35% or more of their income on rent.
| Measure | Tract 204 | Kettering |
|---|---|---|
| Median home value (owner-occupied) | $272,500 ±$80,371 | $208,500 |
| Median gross rent | $1,230 ±$119 | $1,051 |
| Renters paying 35% or more of income on rent | 43.8% ±12.7 pts | 36.8% |
| Median monthly owner costs, with a mortgage | $1,628 ±$192 | $1,467 |
| Owner-occupied homes | 68.4% ±6.4 pts | 64.9% |
| Renter-occupied homes | 31.6% ±6.4 pts | 35.1% |
| Housing units | 2,946 ±204 | 27,191 |
| Single-family detached homes | 73.1% ±6.3 pts | 68.7% |
| Mobile homes | 0.0% ±1.3 pts | 0.4% |
| Built 2020 or later | 0.6% ±1.0 pts | 0.2% |
| Built 2010 to 2019 | 0.0% ±1.3 pts | 0.9% |
| Built 1939 or earlier | 0.0% ±1.3 pts | 5.6% |
| Households with no vehicle | 2.5% ±2.8 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 204 get to work?
77.2% of Census Tract 204's workers drive alone and 13.8% work from home. The average trip to work takes 18.3 minutes. The unemployment rate in 2020-2024 averaged 8.8%.
| Measure | Tract 204 | Kettering |
|---|---|---|
| In the labor force (age 16+) | 63.2% ±4.2 pts | 66.3% |
| Unemployment rate | 8.8% ±2.7 pts | 3.8% |
| Drove alone to work | 77.2% ±5.9 pts | 76.3% |
| Carpooled | 5.3% ±3.3 pts | 8.2% |
| Public transportation | 0.4% ±0.6 pts | 0.9% |
| Walked | 0.8% ±1.2 pts | 1.2% |
| Worked from home | 13.8% ±5.3 pts | 12.6% |
| Mean travel time to work | 18.3 min ±1.8 | 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 204 compare with the other tracts in Montgomery County?
Among Montgomery County's tracts with a reliable estimate, Census Tract 204 ranks as shown below (1 = highest).
| Measure | In Montgomery County | In Kettering |
|---|---|---|
| Population | 2nd of 155 | 1st of 23 |
| Residents per square mile | 86th of 156 | 19th of 23 |
| Median household income | 63rd of 148 | 14th of 23 |
| Per capita income | 14th of 155 | 4th of 23 |
| Median home value | 19th of 150 | 3rd of 23 |
| Median gross rent | 28th of 145 | 3rd of 21 |
| Poverty rate | 40th of 112 | 1st of 14 |
| Bachelor's degree or higher | 35th of 142 | 9th of 23 |
| Median age | 85th of 154 | 13th of 23 |
| Owner-occupied share | 68th of 153 | 13th of 23 |
The tracts next to it on Montgomery County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 909 | 60th | $74,670±$11,299 · within the margin of this tract |
| Tract 216.01 | 61st | $73,750±$12,287 · within the margin of this tract |
| Tract 1003.02 | 62nd | $73,552±$9,795 · within the margin of this tract |
| Tract 204 | 63rd | $73,382±$14,543 |
| Tract 212 | 64th | $72,973±$2,927 · within the margin of this tract |
| Tract 1250 | 65th | $72,921±$12,132 · within the margin of this tract |
| Tract 34.04 | 66th | $72,692±$22,916 · 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 204?
2 of the 18 figures for Census Tract 204 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