PlainZIP

Mason, OH · standard

ZIP Code 45040

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

50,627
696/sq mi
$133,240
Median income
$440,000
Median home value
63.0%
Bachelor's or higher

The verdict

Mason pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated and unusually populous area.

Top 6%
household income, US ZIPs
Top 17%
home value, US ZIPs
696
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45040 against every reporting US ZIP.

ZIP code 45040 is a densely settled ZIP (a standard USPS delivery area) in Mason, Warren County, Ohio, with 50,627 residents across 72.7 square miles, a density of 696 people per square mile, in the New York time zone.

ZIP 45040 skews affluent, with a median household income of $133,240 (82% above the Ohio average), while per-capita income is $66,545. Poverty here runs at 4.6%, with unemployment measured at 2.4%. Housing costs here run $440,000 for a typical home value (123% above the state average), with rent averaging $1,811 a month; 77.7% of homes are owner-occupied.

This is a highly-educated ZIP: 63.0% of adults hold a bachelor's degree or higher, the median age is 41.5, and the average commute is 24 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Warren County, letting you compare 45040 to its immediate surroundings rather than a national baseline 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 45040

Top 5 sectors by establishment count in Mason, OH

Which industries have the most business establishments in ZIP 45040.

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 45040, Mason, 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

50,627

Population

72.7

Area (sq mi)

696

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 45040?

41.5

Median Age

49.1%

Male

50.9%

Female

20.8%

Foreign-Born

White 69.0%
African American 3.6%
Asian 19.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.8%
Hispanic or Latino 4.0%

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?

$133,240

Median Household Income

+82% vs state

$66,545

Per Capita Income

4.6%

Poverty Rate

2.4%

Unemployment Rate

23.6 min

Mean Commute Time

How ZIP 45040 ranks nationally

Mason, OH household income vs. every US ZIP code

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

$133,240 Top 6% higher than 94% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 76.6%
Bachelor's Degree or Higher 63.0%

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

What does housing look like?

22,719

Total Housing Units

22,000

Occupied Units

719

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 77.7%
Renter 22.3%

$440,000

Median Home Value

+123% vs state

$1,811

Median Rent

1998

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

+8.3%

YoY Change (2024)

242

HPI Index (2000 = 100)

+142%

Total Change Since 2000

Home values in ZIP 45040 have increased 8.3% over the past year (2024). Since 2000, this ZIP has seen +142% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.8% 150
2021 +10.3% 165
2022 +17.6% 194
2023 +15.2% 224
2024 +8.3% 242

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 1,588 business establishments in ZIP 45040, employing approximately 35,147 people with a combined annual payroll of $2,654,241,000.

1,588

Businesses

35,147

Employees

$2.7B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 241 15.2%
Health care and social assistance 198 12.5%
Accommodation and food services 193 12.2%
Retail trade 140 8.8%
Other services (except public administration) 122 7.7%
Finance and insurance 104 6.5%
Wholesale trade 92 5.8%
Administrative and support and waste management and remediation services 87 5.5%
Management of companies and enterprises 80 5.0%
Real estate and rental and leasing 75 4.7%
Construction 56 3.5%
Transportation and warehousing 54 3.4%
Manufacturing 50 3.1%
Educational services 42 2.6%
Arts, entertainment, and recreation 26 1.6%
Information 25 1.6%

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 45040 vs 45034 →

ZIP 45040 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 45040 ranks #3 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 45040 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 45040 ranks #2 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
45034 Kings Mills, OH 1,184 3.6 mi
45249 Cincinnati, OH 12,902 5.4 mi
45039 Maineville, OH 22,814 4.2 mi
45069 West Chester, OH 49,060 5.3 mi
45065 South Lebanon, OH 4,442 5.6 mi
45050 Monroe, OH 8,548 6.9 mi
45242 Cincinnati, OH 22,055 7.8 mi
45241 Cincinnati, OH 23,044 7.0 mi
45140 Loveland, OH 53,267 7.5 mi
45044 Middletown, OH 52,822 7.7 mi

More ZIP Codes in Warren County

45036 standard
Lebanon, OH
Pop: 37,504
45005 standard
Franklin, OH
Pop: 29,963
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 Mason, OH Ohio

Frequently Asked Questions

What county is ZIP code 45040 in? ▼
ZIP code 45040 (Mason) 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 45040? ▼
ZIP code 45040 in Mason, OH has a population of 50,627 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45040? ▼
The median household income in ZIP 45040 is $133,240, which is 75% above the national average of $76,288.
What is the average home value in ZIP 45040? ▼
The median home value in ZIP 45040 is $440,000, which is 58% above the national average of $278,155.
What is the demographic makeup of ZIP 45040? ▼
The largest racial group in ZIP 45040 is White at 69.0%. Hispanic or Latino residents make up 4.0% of the population.
How many businesses are in ZIP code 45040? ▼
ZIP code 45040 has 1,588 business establishments employing approximately 35,147 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45040? ▼
The top industries by establishment count in ZIP 45040 are: Professional, scientific, and technical services (241), Health care and social assistance (198), Accommodation and food services (193). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45040? ▼
According to the FHFA House Price Index, home values in ZIP 45040 increased by 8.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 142%. 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 45040? ▼
In ZIP code 45040, 76.6% of residents aged 25+ have a high school diploma or higher, and 63.0% 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 45040? ▼
The mean commute time for workers in ZIP code 45040 is 23.6 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 45040? ▼
In ZIP code 45040, approximately 77.7% of occupied housing units are owner-occupied and 22.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45040? ▼
The poverty rate in ZIP code 45040 is 4.6% 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.