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 High-density area
- $53,440
- Median income Below-median income area
- $402,900
- Median home value Above-median home value
- 59.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45220 (Cincinnati, OH) rose +10.7% from 2023 to 2024. The all-transactions index moved from 206.2 in 2023 to 228.3 in 2024 (2000 = 100).
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 average Ohio ZIP), while per-capita income is $42,255. The poverty rate is 23.9%, so the area-level income figures should not be treated as typical household experience. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $402,900 (104% above the average Ohio ZIP), with only 29.0% owner-occupied homes and median rent of $970.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Hamilton County, so 45220 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 45220
Top 5 sectors by establishment count in Cincinnati, OH
Which industries have the most business establishments in ZIP 45220.
- Health care and social assistance
Health care and social assistance
44 establishments
- Other services (except public administration)
Other services (except public administration)
35 establishments
- Accommodation and food services
Accommodation and food services
28 establishments
- Retail trade
Retail trade
19 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
19 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 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
Who lives in ZIP 45220?
29.1
Median Age
54.7%
Male
45.3%
Female
19.5%
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?
$53,440
Median Household Income
-27% vs state ZIP avg
$42,255
Per Capita Income
23.9%
Poverty Rate
2.8%
Unemployment Rate
21.2 min
Mean Commute Time
How ZIP 45220 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)
$53,440 19th percentile higher than 19% 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
7,350housing units
7,350
Total Housing Units
6,632
Occupied Units
718
Vacant Units
1.96
Avg Household Size
Occupancy Type
$402,900
Median Home Value
+104% vs state ZIP avg
$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.
- 45219
Cincinnati (45219)
16,526 residents
- 45220
Cincinnati (45220)
15,313 residents
- 45229
Cincinnati (45229)
13,020 residents
- 45223
Cincinnati (45223)
12,360 residents
- 45206
Cincinnati (45206)
10,745 residents
- 45225
Cincinnati (45225)
9,040 residents
- 45214
Cincinnati (45214)
8,738 residents
- 45207
Cincinnati (45207)
7,974 residents
- 45217 6,566
Cincinnati (45217)
6,566 residents
What this shows Among its immediate neighbors, ZIP 45220 ranks #2 by population - useful context the national average alone can't give.
ZIP 45220 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45206
Cincinnati (45206)
$62,648 median income
- 45217
Cincinnati (45217)
$62,200 median income
- 45220
Cincinnati (45220)
$53,440 median income
- 45207
Cincinnati (45207)
$49,801 median income
- 45223
Cincinnati (45223)
$49,312 median income
- 45219
Cincinnati (45219)
$35,657 median income
- 45229
Cincinnati (45229)
$32,263 median income
- 45232
Cincinnati (45232)
$28,367 median income
- 45214
Cincinnati (45214)
$27,852 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45220, 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 (15,313 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 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.
Related
Take this with you
What to do with ZIP 45220's numbers, next.
- See how ZIP 45220 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.