Cincinnati, OH · standard
ZIP Code 45209
Hamilton County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,605
- 1,569/sq mi High-density area
- $93,420
- Median income Above-median income area
- $400,700
- Median home value Above-median home value
- 74.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cincinnati pairs an upper-quartile household income with upper-quartile home values, in a low-density, renter-heavy area.
- Top 24%
- household income, US ZIPs
- Top 20%
- home value, US ZIPs
- 1,569
- people per sq mi
- 39%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45209 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 45209 (Cincinnati, OH) rose +3.5% from 2023 to 2024. The all-transactions index moved from 275.2 in 2023 to 284.9 in 2024 (2000 = 100).
ZIP code 45209 is a mid-sized community (a standard USPS delivery area) in Cincinnati, Hamilton County, Ohio, home to 9,605 residents across 6.1 square miles, a density of 1,569 people per square mile, in the New York time zone.
ZIP 45209 lands in the middle-income range, with a median household income of $93,420 (28% above the average Ohio ZIP), while per-capita income is $74,921. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.7% and unemployment is 2.4%. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $400,700 (103% above the average Ohio ZIP), with only 39.0% owner-occupied homes and median rent of $1,309.
This is a highly-educated ZIP: 74.8% of adults hold a bachelor's degree or higher, the median age is 32.2, and the average commute is 20 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Hamilton County, so 45209 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 45209
Top 5 sectors by establishment count in Cincinnati, OH
Which industries have the most business establishments in ZIP 45209.
- Retail trade
Retail trade
96 establishments
- Accommodation and food services
Accommodation and food services
89 establishments
- Finance and insurance
Finance and insurance
60 establishments
- Other services (except public administration)
Other services (except public administration)
59 establishments
- Health care and social assistance
Health care and social assistance
55 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 45209, Cincinnati, 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
9,605
Population
6.1
Area (sq mi)
1,569
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45209?
32.2
Median Age
49.3%
Male
50.7%
Female
5.9%
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?
$93,420
Median Household Income
+28% vs state ZIP avg
$74,921
Per Capita Income
7.7%
Poverty Rate
2.4%
Unemployment Rate
20.4 min
Mean Commute Time
How ZIP 45209 ranks among Ohio ZIPs
Cincinnati, 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)
$93,420 Top 16% higher than 84% 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
6,572housing units
6,572
Total Housing Units
6,179
Occupied Units
393
Vacant Units
1.68
Avg Household Size
Occupancy Type
$400,700
Median Home Value
+103% vs state ZIP avg
$1,309
Median Rent
1949
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
+3.5%
YoY Change (2024)
285
HPI Index (2000 = 100)
+185%
Total Change Since 2000
Home values in ZIP 45209 have increased 3.5% over the past year (2024). Since 2000, this ZIP has seen +185% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.7% | 210 |
| 2021 | +7.8% | 226 |
| 2022 | +11.3% | 252 |
| 2023 | +9.3% | 275 |
| 2024 | +3.5% | 285 |
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 531 business establishments in ZIP 45209, employing approximately 12,820 people with a combined annual payroll of $719,750,000.
531
Businesses
12,820
Employees
$719.8M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 96 | 18.1% |
| Accommodation and food services | 89 | 16.8% |
| Finance and insurance | 60 | 11.3% |
| Other services (except public administration) | 59 | 11.1% |
| Health care and social assistance | 55 | 10.4% |
| Professional, scientific, and technical services | 43 | 8.1% |
| Real estate and rental and leasing | 26 | 4.9% |
| Arts, entertainment, and recreation | 20 | 3.8% |
| Wholesale trade | 16 | 3.0% |
| Administrative and support and waste management and remediation services | 16 | 3.0% |
| Manufacturing | 14 | 2.6% |
| Construction | 10 | 1.9% |
| Information | 9 | 1.7% |
| Educational services | 8 | 1.5% |
| Management of companies and enterprises | 6 | 1.1% |
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 45209 vs 45208 →
ZIP 45209 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45212
Cincinnati (45212)
22,253 residents
- 45237
Cincinnati (45237)
20,021 residents
- 45208
Cincinnati (45208)
17,614 residents
- 45227
Cincinnati (45227)
17,486 residents
- 45229
Cincinnati (45229)
13,020 residents
- 45213
Cincinnati (45213)
12,013 residents
- 45206
Cincinnati (45206)
10,745 residents
- 45209
Cincinnati (45209)
9,605 residents
- 45207 7,974
Cincinnati (45207)
7,974 residents
What this shows Among its immediate neighbors, ZIP 45209 ranks #8 by population - useful context the national average alone can't give.
ZIP 45209 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45208
Cincinnati (45208)
$137,600 median income
- 45226
Cincinnati (45226)
$97,558 median income
- 45209
Cincinnati (45209)
$93,420 median income
- 45213
Cincinnati (45213)
$76,356 median income
- 45212
Cincinnati (45212)
$72,422 median income
- 45227
Cincinnati (45227)
$71,646 median income
- 41074
Dayton (41074)
$66,087 median income
- 45206
Cincinnati (45206)
$62,648 median income
- 45207 $49,801
Cincinnati (45207)
$49,801 median income
What this shows By household income, ZIP 45209 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45208 | Cincinnati, OH | 17,614 | 1.3 mi |
| 45213 | Cincinnati, OH | 12,013 | 1.9 mi |
| 45212 | Cincinnati, OH | 22,253 | 1.6 mi |
| 45227 | Cincinnati, OH | 17,486 | 2.2 mi |
| 45226 | Cincinnati, OH | 5,476 | 2.9 mi |
| 45207 | Cincinnati, OH | 7,974 | 2.5 mi |
| 45229 | Cincinnati, OH | 13,020 | 3.2 mi |
| 45237 | Cincinnati, OH | 20,021 | 3.1 mi |
| 41074 | Dayton, KY | 5,338 | 3.4 mi |
| 45206 | Cincinnati, OH | 10,745 | 3.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45209, 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 (9,605 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hamilton County
Related Areas
Frequently Asked Questions
What county is ZIP code 45209 in?
ZIP code 45209 (Cincinnati) is located in Hamilton County, Ohio. Hamilton County contains multiple ZIP codes, see the full list at /counties/hamilton-oh.
What is the population of ZIP code 45209?
ZIP code 45209 in Cincinnati, OH has a population of 9,605 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45209?
The median household income in ZIP 45209 is $93,420, which is 22% above the national average of $76,288.
What is the average home value in ZIP 45209?
The median home value in ZIP 45209 is $400,700, which is 44% above the national average of $278,155.
What is the demographic makeup of ZIP 45209?
The largest racial group in ZIP 45209 is White at 80.2%. Hispanic or Latino residents make up 8.1% of the population.
How many businesses are in ZIP code 45209?
ZIP code 45209 has 531 business establishments employing approximately 12,820 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45209?
The top industries by establishment count in ZIP 45209 are: Retail trade (96), Accommodation and food services (89), Finance and insurance (60). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45209?
According to the FHFA House Price Index, home values in ZIP 45209 increased by 3.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 185%. 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 45209?
In ZIP code 45209, 82.7% of residents aged 25+ have a high school diploma or higher, and 74.8% 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 45209?
The mean commute time for workers in ZIP code 45209 is 20.4 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 45209?
In ZIP code 45209, approximately 39.0% of occupied housing units are owner-occupied and 61.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45209?
The poverty rate in ZIP code 45209 is 7.7% 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 45209's numbers, next.
- See how ZIP 45209 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cincinnati, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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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.