PlainZIP

Loveland, OH · standard

ZIP Code 45140

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

53,267
444/sq mi
$114,827
Median income
$360,300
Median home value
52.5%
Bachelor's or higher

The verdict

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

Top 11%
household income, US ZIPs
Top 25%
home value, US ZIPs
444
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45140 against every reporting US ZIP.

ZIP code 45140 is a densely settled ZIP (a standard USPS delivery area) in Loveland, Clermont County, Ohio, with 53,267 residents across 120.0 square miles, a density of 444 people per square mile, in the New York time zone.

ZIP 45140 skews affluent, with a median household income of $114,827 (57% above the Ohio average), while per-capita income is $58,296. 4.6% of residents live below the poverty line, and the unemployment rate reads 3.7%. The typical home here is valued at $360,300 (83% above the state average); renters pay a median of $1,478 monthly, and 80.4% of units are owner-occupied.

This is a highly-educated ZIP: 52.5% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is 27 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Clermont County, so you can benchmark 45140 against its immediate geography rather than a 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 45140

Top 5 sectors by establishment count in Loveland, OH

Which industries have the most business establishments in ZIP 45140.

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 45140, Loveland, 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

53,267

Population

120.0

Area (sq mi)

444

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 45140?

41.6

Median Age

49.6%

Male

50.4%

Female

6.0%

Foreign-Born

White 86.9%
African American 1.8%
Asian 3.8%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.1%
Hispanic or Latino 4.3%

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?

$114,827

Median Household Income

+57% vs state

$58,296

Per Capita Income

4.6%

Poverty Rate

3.7%

Unemployment Rate

27.3 min

Mean Commute Time

How ZIP 45140 ranks nationally

Loveland, OH household income vs. every US ZIP code

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

$114,827 Top 11% higher than 89% 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%). This entry sits in this band. $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 71.8%
Bachelor's Degree or Higher 52.5%

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

What does housing look like?

22,880

Total Housing Units

22,015

Occupied Units

865

Vacant Units

2.58

Avg Household Size

Occupancy Type

Owner 80.4%
Renter 19.6%

$360,300

Median Home Value

+83% vs state

$1,478

Median Rent

1992

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

+8.0%

YoY Change (2024)

229

HPI Index (2000 = 100)

+129%

Total Change Since 2000

Home values in ZIP 45140 have increased 8.0% over the past year (2024). Since 2000, this ZIP has seen +129% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.0% 148
2021 +11.6% 165
2022 +17.0% 193
2023 +9.8% 212
2024 +8.0% 229

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 962 business establishments in ZIP 45140, employing approximately 11,981 people with a combined annual payroll of $641,009,000.

962

Businesses

11,981

Employees

$641.0M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 126 13.1%
Professional, scientific, and technical services 126 13.1%
Retail trade 101 10.5%
Health care and social assistance 98 10.2%
Other services (except public administration) 87 9.0%
Accommodation and food services 78 8.1%
Administrative and support and waste management and remediation services 69 7.2%
Finance and insurance 58 6.0%
Wholesale trade 51 5.3%
Real estate and rental and leasing 50 5.2%
Manufacturing 31 3.2%
Transportation and warehousing 27 2.8%
Arts, entertainment, and recreation 21 2.2%
Educational services 19 2.0%
Information 14 1.5%
Management of companies and enterprises 5 0.5%

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 45140 vs 45039 →

ZIP 45140 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 45140 ranks the most populous - useful context the national average alone can't give.

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

ZIP 45140 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 45140 ranks #4 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
45039 Maineville, OH 22,814 4.9 mi
45147 Miamiville, OH 147 4.3 mi
45150 Milford, OH 31,394 6.4 mi
45249 Cincinnati, OH 12,902 4.8 mi
45034 Kings Mills, OH 1,184 7.0 mi
45111 Camp Dennison, OH 376 5.0 mi
45242 Cincinnati, OH 22,055 6.2 mi
45065 South Lebanon, OH 4,442 8.0 mi
45122 Goshen, OH 11,054 7.2 mi
45040 Mason, OH 50,627 7.5 mi

More ZIP Codes in Clermont County

45103 standard
Batavia, OH
Pop: 31,485
45150 standard
Milford, OH
Pop: 31,394
45102 standard
Amelia, OH
Pop: 22,680
45245 standard
Cincinnati, OH
Pop: 18,542
45106 standard
Bethel, OH
Pop: 12,349
45122 standard
Goshen, OH
Pop: 11,054

Related Areas

Clermont County Loveland, OH Ohio

Frequently Asked Questions

What county is ZIP code 45140 in? ▼
ZIP code 45140 (Loveland) is located in Clermont County, Ohio. Clermont County contains multiple ZIP codes, see the full list at /counties/clermont-oh.
What is the population of ZIP code 45140? ▼
ZIP code 45140 in Loveland, OH has a population of 53,267 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45140? ▼
The median household income in ZIP 45140 is $114,827, which is 51% above the national average of $76,288.
What is the average home value in ZIP 45140? ▼
The median home value in ZIP 45140 is $360,300, which is 30% above the national average of $278,155.
What is the demographic makeup of ZIP 45140? ▼
The largest racial group in ZIP 45140 is White at 86.9%. Hispanic or Latino residents make up 4.3% of the population.
How many businesses are in ZIP code 45140? ▼
ZIP code 45140 has 962 business establishments employing approximately 11,981 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45140? ▼
The top industries by establishment count in ZIP 45140 are: Construction (126), Professional, scientific, and technical services (126), Retail trade (101). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45140? ▼
According to the FHFA House Price Index, home values in ZIP 45140 increased by 8.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 129%. 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 45140? ▼
In ZIP code 45140, 71.8% of residents aged 25+ have a high school diploma or higher, and 52.5% 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 45140? ▼
The mean commute time for workers in ZIP code 45140 is 27.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 45140? ▼
In ZIP code 45140, approximately 80.4% of occupied housing units are owner-occupied and 19.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45140? ▼
The poverty rate in ZIP code 45140 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.