PlainZIP

Franklin, OH · standard

ZIP Code 45005

Warren County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

29,963
322/sq mi
$75,399
Median income
$218,600
Median home value
20.2%
Bachelor's or higher

The verdict

Franklin pairs an above-median household income with below-median home values, in a low-density, homeowner-dominated area.

Top 45%
household income, US ZIPs
49th pct
home value, US ZIPs
322
people per sq mi
75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45005 against every reporting US ZIP.

ZIP code 45005 is a densely settled ZIP (a standard USPS delivery area) in Franklin, Warren County, Ohio, with 29,963 residents across 93.1 square miles, a density of 322 people per square mile, in the New York time zone.

ZIP 45005 lands in the middle-income range, with a median household income of $75,399 (3% above the Ohio average), while per-capita income is $38,696. Local economic indicators show a 12.8% poverty rate alongside 4.4% unemployment. Median home value sits at $218,600 (11% above the state average), median rent at $1,000 a month, and owner-occupancy at 74.6%.

Educational attainment sits below the national norm: 20.2% of adults hold a bachelor's degree or higher, the median age is 39.4, and the average commute is 23 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45005, plus 6 more within Warren County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 45005

Top 5 sectors by establishment count in Franklin, OH

Which industries have the most business establishments in ZIP 45005.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45005, Franklin, OH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

29,963

Population

93.1

Area (sq mi)

322

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 45005?

39.4

Median Age

50.7%

Male

49.3%

Female

2.9%

Foreign-Born

White 90.4%
African American 1.3%
Asian 2.8%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.3%
Hispanic or Latino 2.5%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$75,399

Median Household Income

+3% vs state

$38,696

Per Capita Income

12.8%

Poverty Rate

4.4%

Unemployment Rate

23.2 min

Mean Commute Time

How ZIP 45005 ranks nationally

Franklin, OH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$75,399 Top 45% higher than 55% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 62.4%
Bachelor's Degree or Higher 20.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

13,422

Total Housing Units

12,611

Occupied Units

811

Vacant Units

2.54

Avg Household Size

Occupancy Type

Owner 74.6%
Renter 25.4%

$218,600

Median Home Value

+11% vs state

$1,000

Median Rent

1973

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+11.9%

YoY Change (2024)

198

HPI Index (2000 = 100)

+98%

Total Change Since 2000

Home values in ZIP 45005 have increased 11.9% over the past year (2024). Since 2000, this ZIP has seen +98% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 126
2021 +14.7% 144
2022 +13.7% 164
2023 +7.6% 177
2024 +11.9% 198

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 546 business establishments in ZIP 45005, employing approximately 10,294 people with a combined annual payroll of $565,869,000.

546

Businesses

10,294

Employees

$565.9M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 75 13.7%
Health care and social assistance 73 13.4%
Other services (except public administration) 67 12.3%
Manufacturing 52 9.5%
Accommodation and food services 52 9.5%
Construction 44 8.1%
Professional, scientific, and technical services 33 6.0%
Real estate and rental and leasing 31 5.7%
Wholesale trade 28 5.1%
Finance and insurance 28 5.1%
Administrative and support and waste management and remediation services 28 5.1%
Information 11 2.0%
Transportation and warehousing 10 1.8%
Arts, entertainment, and recreation 7 1.3%
Educational services 3 0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 45005 vs 45066 →

ZIP 45005 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 45005 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45005 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 45005 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
45066 Springboro, OH 23,839 4.4 mi
45342 Miamisburg, OH 36,784 6.7 mi
45050 Monroe, OH 8,548 6.9 mi
45042 Middletown, OH 26,451 7.2 mi
45044 Middletown, OH 52,822 7.3 mi
45036 Lebanon, OH 37,504 7.7 mi
45449 Dayton, OH 18,175 9.5 mi
45327 Germantown, OH 8,917 8.5 mi
45458 Dayton, OH 29,880 8.9 mi
45459 Dayton, OH 27,749 10.5 mi

More ZIP Codes in Warren County

45040 standard
Mason, OH
Pop: 50,627
45036 standard
Lebanon, OH
Pop: 37,504
45066 standard
Springboro, OH
Pop: 23,839
45039 standard
Maineville, OH
Pop: 22,814
45152 standard
Morrow, OH
Pop: 11,329
45068 standard
Waynesville, OH
Pop: 10,479

Related Areas

Warren County Franklin, OH Ohio

Frequently Asked Questions

What county is ZIP code 45005 in? ▼
ZIP code 45005 (Franklin) is located in Warren County, Ohio. Warren County contains multiple ZIP codes, see the full list at /counties/warren-oh.
What is the population of ZIP code 45005? ▼
ZIP code 45005 in Franklin, OH has a population of 29,963 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45005? ▼
The median household income in ZIP 45005 is $75,399, which is 1% below the national average of $76,288.
What is the average home value in ZIP 45005? ▼
The median home value in ZIP 45005 is $218,600, which is 21% below the national average of $278,155.
What is the demographic makeup of ZIP 45005? ▼
The largest racial group in ZIP 45005 is White at 90.4%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 45005? ▼
ZIP code 45005 has 546 business establishments employing approximately 10,294 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45005? ▼
The top industries by establishment count in ZIP 45005 are: Retail trade (75), Health care and social assistance (73), Other services (except public administration) (67). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45005? ▼
According to the FHFA House Price Index, home values in ZIP 45005 increased by 11.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 98%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 45005? ▼
In ZIP code 45005, 62.4% of residents aged 25+ have a high school diploma or higher, and 20.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 45005? ▼
The mean commute time for workers in ZIP code 45005 is 23.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 45005? ▼
In ZIP code 45005, approximately 74.6% of occupied housing units are owner-occupied and 25.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45005? ▼
The poverty rate in ZIP code 45005 is 12.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.