Oxford, OH · standard
ZIP Code 45056
Butler County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 27,038
- 137/sq mi High-density area
- $49,233
- Median income Below-median income area
- $250,700
- Median home value Near-median home value
- 52.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Oxford pairs one of the lowest household incomes in the country with above-median home values, in a rural, mixed-tenure area.
- 13th pct
- household income, US ZIPs
- Top 42%
- home value, US ZIPs
- 137
- people per sq mi
- 48%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45056 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45056 (Oxford, OH) rose +4.0% from 2023 to 2024. The all-transactions index moved from 186.0 in 2023 to 193.5 in 2024 (2000 = 100).
ZIP code 45056 is a densely settled ZIP (a standard USPS delivery area) in Oxford, Butler County, Ohio, with 27,038 residents across 196.8 square miles, a density of 137 people per square mile, in the New York time zone.
ZIP 45056 reports a modest median household income of $49,233 (33% below the average Ohio ZIP), while per-capita income is $26,069. Economic pressure is pronounced: 36.1% of residents are below the poverty line and unemployment is 11.5%. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $250,700 (27% above the average Ohio ZIP), with only 47.8% owner-occupied homes and median rent of $1,029.
This is a highly-educated ZIP: 52.1% of adults hold a bachelor's degree or higher, the median age is 21.6, and the average commute is 18 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Butler County, so 45056 can be compared with both its immediate and county-level context.
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 45056
Top 5 sectors by establishment count in Oxford, OH
Which industries have the most business establishments in ZIP 45056.
- Accommodation and food services
Accommodation and food services
75 establishments
- Retail trade
Retail trade
51 establishments
- Health care and social assistance
Health care and social assistance
46 establishments
- Other services (except public administration)
Other services (except public administration)
45 establishments
- Construction
Construction
33 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45056, Oxford, 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
27,038
Population
196.8
Area (sq mi)
137
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45056?
21.6
Median Age
48.7%
Male
51.3%
Female
8.0%
Foreign-Born
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?
$49,233
Median Household Income
-33% vs state ZIP avg
$26,069
Per Capita Income
36.1%
Poverty Rate
11.5%
Unemployment Rate
18.1 min
Mean Commute Time
How ZIP 45056 ranks among Ohio ZIPs
Oxford, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$49,233 13th percentile higher than 13% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,720housing units
9,720
Total Housing Units
8,371
Occupied Units
1,349
Vacant Units
2.40
Avg Household Size
Occupancy Type
$250,700
Median Home Value
+27% vs state ZIP avg
$1,029
Median Rent
1983
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
+4.0%
YoY Change (2024)
193
HPI Index (2000 = 100)
+93%
Total Change Since 2000
Home values in ZIP 45056 have increased 4.0% over the past year (2024). Since 2000, this ZIP has seen +93% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.0% | 137 |
| 2021 | +8.8% | 149 |
| 2022 | +14.4% | 171 |
| 2023 | +9.0% | 186 |
| 2024 | +4.0% | 193 |
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 365 business establishments in ZIP 45056, employing approximately 5,429 people with a combined annual payroll of $172,007,000.
365
Businesses
5,429
Employees
$172.0M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 75 | 20.6% |
| Retail trade | 51 | 14.0% |
| Health care and social assistance | 46 | 12.6% |
| Other services (except public administration) | 45 | 12.3% |
| Construction | 33 | 9.0% |
| Real estate and rental and leasing | 26 | 7.1% |
| Professional, scientific, and technical services | 23 | 6.3% |
| Finance and insurance | 21 | 5.8% |
| Administrative and support and waste management and remediation services | 11 | 3.0% |
| Arts, entertainment, and recreation | 8 | 2.2% |
| Manufacturing | 5 | 1.4% |
| Transportation and warehousing | 5 | 1.4% |
| Information | 5 | 1.4% |
| Educational services | 4 | 1.1% |
| Wholesale trade | 3 | 0.8% |
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 45056 vs 47010 →
ZIP 45056 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45013
Hamilton (45013)
52,613 residents
- 45056
Oxford (45056)
27,038 residents
- 45311 6,367
Camden (45311)
6,367 residents
- 45053 3,420
Okeana (45053)
3,420 residents
- 45064 2,857
Somerville (45064)
2,857 residents
- 47003 1,040
West College Corner (47003)
1,040 residents
- 47016 793
Cedar Grove (47016)
793 residents
- 45003 697
College Corner (45003)
697 residents
- 47010 306
Bath (47010)
306 residents
What this shows Among its immediate neighbors, ZIP 45056 ranks #2 by population - useful context the national average alone can't give.
ZIP 45056 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45053
Okeana (45053)
$109,148 median income
- 45064
Somerville (45064)
$102,531 median income
- 47003
West College Corner (47003)
$80,179 median income
- 45013
Hamilton (45013)
$73,633 median income
- 45003
College Corner (45003)
$71,250 median income
- 47016
Cedar Grove (47016)
$69,880 median income
- 45311
Camden (45311)
$68,555 median income
- 45056
Oxford (45056)
$49,233 median income
What this shows By household income, ZIP 45056 ranks #8 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 47010 | Bath, IN | 306 | 5.3 mi |
| 45003 | College Corner, OH | 697 | 7.1 mi |
| 47003 | West College Corner, IN | 1,040 | 7.1 mi |
| 45053 | Okeana, OH | 3,420 | 9.7 mi |
| 45013 | Hamilton, OH | 52,613 | 7.6 mi |
| 45311 | Camden, OH | 6,367 | 10.3 mi |
| 45064 | Somerville, OH | 2,857 | 9.2 mi |
| 47016 | Cedar Grove, IN | 793 | 11.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45056, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (27,038 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Butler County
Related Areas
Frequently Asked Questions
What county is ZIP code 45056 in?
ZIP code 45056 (Oxford) is located in Butler County, Ohio. Butler County contains multiple ZIP codes, see the full list at /counties/butler-oh.
What is the population of ZIP code 45056?
ZIP code 45056 in Oxford, OH has a population of 27,038 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45056?
The median household income in ZIP 45056 is $49,233, which is 35% below the national average of $76,288.
What is the average home value in ZIP 45056?
The median home value in ZIP 45056 is $250,700, which is 10% below the national average of $278,155.
What is the demographic makeup of ZIP 45056?
The largest racial group in ZIP 45056 is White at 80.9%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 45056?
ZIP code 45056 has 365 business establishments employing approximately 5,429 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45056?
The top industries by establishment count in ZIP 45056 are: Accommodation and food services (75), Retail trade (51), Health care and social assistance (46). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45056?
According to the FHFA House Price Index, home values in ZIP 45056 increased by 4.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 93%. 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 45056?
In ZIP code 45056, 77.4% of residents aged 25+ have a high school diploma or higher, and 52.1% 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 45056?
The mean commute time for workers in ZIP code 45056 is 18.1 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 45056?
In ZIP code 45056, approximately 47.8% of occupied housing units are owner-occupied and 52.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45056?
The poverty rate in ZIP code 45056 is 36.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
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What to do with ZIP 45056's numbers, next.
- See how ZIP 45056 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.