PlainZIP

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
$93,420
Median income
$400,700
Median home value
74.8%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $74,921. The poverty rate stands at 7.7% and the unemployment rate at 2.4%. Housing costs here run $400,700 for a typical home value (103% above the state average), with rent averaging $1,309 a month; 39.0% of homes are owner-occupied.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45209, plus 6 more within Hamilton 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 45209

Top 5 sectors by establishment count in Cincinnati, OH

Which industries have the most business establishments in ZIP 45209.

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 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

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 45209?

32.2

Median Age

49.3%

Male

50.7%

Female

5.9%

Foreign-Born

White 80.2%
African American 6.7%
Asian 2.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.8%
Hispanic or Latino 8.1%

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

$74,921

Per Capita Income

7.7%

Poverty Rate

2.4%

Unemployment Rate

20.4 min

Mean Commute Time

How ZIP 45209 ranks nationally

Cincinnati, OH household income vs. every US ZIP code

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

$93,420 Top 24% higher than 76% 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%). This entry sits in this band. $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 82.7%
Bachelor's Degree or Higher 74.8%

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

What does housing look like?

6,572

Total Housing Units

6,179

Occupied Units

393

Vacant Units

1.68

Avg Household Size

Occupancy Type

Owner 39.0%
Renter 61.0%

$400,700

Median Home Value

+103% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45209 ranks #8 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 45209 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 45209 ranks #3 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
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

More ZIP Codes in Hamilton County

45238 standard
Cincinnati, OH
Pop: 45,760
45231 standard
Cincinnati, OH
Pop: 40,893
45211 standard
Cincinnati, OH
Pop: 36,111
45215 standard
Cincinnati, OH
Pop: 29,623
45244 standard
Cincinnati, OH
Pop: 28,565
45239 standard
Cincinnati, OH
Pop: 28,315

Related Areas

Hamilton County Cincinnati, OH Ohio

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.

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