PlainZIP

Cincinnati, OH · standard

ZIP Code 45220

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

15,313
2,063/sq mi
$53,440
Median income
$402,900
Median home value
59.0%
Bachelor's or higher

The verdict

Cincinnati pairs one of the lowest household incomes in the country with upper-quartile home values, in a suburban-density, renter-heavy area.

19th pct
household income, US ZIPs
Top 20%
home value, US ZIPs
2,063
people per sq mi
29%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45220 against every reporting US ZIP.

ZIP code 45220 is a mid-sized community (a standard USPS delivery area) in Cincinnati, Hamilton County, Ohio, home to 15,313 residents across 7.4 square miles, a density of 2,063 people per square mile, in the New York time zone.

ZIP 45220 reports a modest median household income of $53,440 (27% below the Ohio average), while per-capita income is $42,255. Poverty here runs at 23.9%, with unemployment measured at 2.8%. On housing, the median home value is $402,900 (104% above the state average) with median rent at $970 per month, and 29.0% of occupied units are owner-occupied.

This is a highly-educated ZIP: 59.0% of adults hold a bachelor's degree or higher, the median age is 29.1, and the average commute is 21 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hamilton County, so you can benchmark 45220 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 45220

Top 5 sectors by establishment count in Cincinnati, OH

Which industries have the most business establishments in ZIP 45220.

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 45220, 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

15,313

Population

7.4

Area (sq mi)

2,063

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 45220?

29.1

Median Age

54.7%

Male

45.3%

Female

19.5%

Foreign-Born

White 62.3%
African American 18.0%
Asian 14.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.7%
Hispanic or Latino 4.5%

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?

$53,440

Median Household Income

-27% vs state

$42,255

Per Capita Income

23.9%

Poverty Rate

2.8%

Unemployment Rate

21.2 min

Mean Commute Time

How ZIP 45220 ranks nationally

Cincinnati, OH household income vs. every US ZIP code

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

$53,440 19th percentile higher than 19% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 76.8%
Bachelor's Degree or Higher 59.0%

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

What does housing look like?

7,350

Total Housing Units

6,632

Occupied Units

718

Vacant Units

1.96

Avg Household Size

Occupancy Type

Owner 29.0%
Renter 71.0%

$402,900

Median Home Value

+104% vs state

$970

Median Rent

1941

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

+10.7%

YoY Change (2024)

228

HPI Index (2000 = 100)

+128%

Total Change Since 2000

Home values in ZIP 45220 have increased 10.7% over the past year (2024). Since 2000, this ZIP has seen +128% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.4% 153
2021 +9.4% 167
2022 +19.2% 199
2023 +3.5% 206
2024 +10.7% 228

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 189 business establishments in ZIP 45220, employing approximately 9,241 people with a combined annual payroll of $751,292,000.

189

Businesses

9,241

Employees

$751.3M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 44 23.3%
Other services (except public administration) 35 18.5%
Accommodation and food services 28 14.8%
Retail trade 19 10.1%
Professional, scientific, and technical services 19 10.1%
Real estate and rental and leasing 14 7.4%
Administrative and support and waste management and remediation services 6 3.2%
Finance and insurance 5 2.6%
Construction 4 2.1%
Wholesale trade 4 2.1%
Educational services 4 2.1%
Arts, entertainment, and recreation 4 2.1%

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 45220 vs 45219 →

ZIP 45220 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 45220 ranks #2 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 45220 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 45220 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
45219 Cincinnati, OH 16,526 1.5 mi
45225 Cincinnati, OH 9,040 1.7 mi
45229 Cincinnati, OH 13,020 1.8 mi
45217 Cincinnati, OH 6,566 1.8 mi
45232 Cincinnati, OH 6,358 2.4 mi
45214 Cincinnati, OH 8,738 2.2 mi
45223 Cincinnati, OH 12,360 2.2 mi
45207 Cincinnati, OH 7,974 2.7 mi
45203 Cincinnati, OH 2,236 3.1 mi
45206 Cincinnati, OH 10,745 2.4 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 45220 in? ▼
ZIP code 45220 (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 45220? ▼
ZIP code 45220 in Cincinnati, OH has a population of 15,313 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45220? ▼
The median household income in ZIP 45220 is $53,440, which is 30% below the national average of $76,288.
What is the average home value in ZIP 45220? ▼
The median home value in ZIP 45220 is $402,900, which is 45% above the national average of $278,155.
What is the demographic makeup of ZIP 45220? ▼
The largest racial group in ZIP 45220 is White at 62.3%. Hispanic or Latino residents make up 4.5% of the population.
How many businesses are in ZIP code 45220? ▼
ZIP code 45220 has 189 business establishments employing approximately 9,241 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45220? ▼
The top industries by establishment count in ZIP 45220 are: Health care and social assistance (44), Other services (except public administration) (35), Accommodation and food services (28). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 45220? ▼
According to the FHFA House Price Index, home values in ZIP 45220 increased by 10.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 128%. 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 45220? ▼
In ZIP code 45220, 76.8% of residents aged 25+ have a high school diploma or higher, and 59.0% 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 45220? ▼
The mean commute time for workers in ZIP code 45220 is 21.2 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 45220? ▼
In ZIP code 45220, approximately 29.0% of occupied housing units are owner-occupied and 71.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45220? ▼
The poverty rate in ZIP code 45220 is 23.9% 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.