Residential delivery area · Ohio
ZIP Code 45231: Cincinnati, OH
ZIP code 45231 uses the postal name Cincinnati, Ohio and lies entirely in Hamilton County (Census 2020 ZIP-county file). About 40,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Cincinnati's 46 residential ZIP codes. Median household income is $71,353 (Census Bureau, ACS 2020-2024). By Census place, its land lies in New Burlington (17%), Finneytown (13%), Mount Healthy (10%), Pleasant Run (5%), Mount Healthy Heights (5%), Skyline Acres (4%) and Pleasant Hills (2%), and 10% in smaller places; 32% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Cincinnati · 46 residential ZIPs
- County
- Hamilton County
- Census places
- New Burlington (17%) census-designated place; Finneytown (13%) census-designated place; Mount Healthy (10%); Pleasant Run (5%) census-designated place
- Metro area
- Cincinnati, OH-KY-IN
- House district
- OH-8 119th Congress
- State
- Ohio
- Time zone
- Eastern
- Land area
- 14.8 sq mi · 2,738 people per sq mi
- PO Box ZIPs
- 25 more ZIP codes use the name Cincinnati for PO boxes or single organizations
Where is ZIP code 45231?
45231 centers on 39.248°, -84.535° and covers 14.8 square miles of land plus 0.2 of water. It borders 7 ZIP codes: 45218, 45240, 45224, 45251, 45239, 45215, 45014.
The map draws ZIP code areas only. For the streets inside 45231, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 45231 compare with the rest of Cincinnati?
| Measure | 45231 | In Cincinnati | In Hamilton County | In OH |
|---|---|---|---|---|
| People (ACS 2020-2024) | 40,463 | 2nd of 46 | 4th of 56 | 49th of 1,233 |
| Median household income | $71k | 22nd of 39 | 27th of 44 | 383rd of 755 |
| Median home value | $176k | 33rd of 41 | 38th of 46 | 483rd of 810 |
Its median household income is higher than in 49% of U.S. residential ZIP codes, and it is denser than 88% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 45231?
The 2020 Census counted 41,934 people in 45231; the ACS, which samples households over 2020-2024, estimates 40,463. Between the 2010 and 2020 censuses its population grew 2.5% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 40,463
- 2020 Census count
- 41,934+2.5% since 2010 (40,893)
- Households
- 16,911
- Median age
- 41.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 45231?
Of the 40,463 people the ACS estimates in 45231, 22.7% are under 18 and 19.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (45.8%), then Black (not Hispanic) (39.3%).
- Under 1822.7%
- 18 to 6457.6%
- 65 and older19.6%
- White, not Hispanic45.8%
- Black, not Hispanic39.3%
- Other or two or more9.1%
- Hispanic or Latino3.0%
- Asian, not Hispanic2.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 45231 earn?
Median household income is $71,353 (ACS 2020-2024), the 27th highest of the 44 ranked ZIP codes in Hamilton County. It is not measurably different from 2015-2019 ($66,948 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $71,353
- Income per person
- $36,975
- Below the poverty line
- 11.7%
- Unemployed (of the labor force)
- 4.9%
- Adults 25+ with a bachelor's degree
- 29.2%
- Adjusted gross income per tax return, 2022
- $57,30920,840 returns; wages 73% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 45231?
FHFA's house price index for 45231, built from repeat sales and appraisals of the same homes, rose 122% from 2015 to 2025 and rose 62% from 2020 to 2025, and moved +2.3% in 2025.
- Median home value (owners' estimate)
- $176,000
- Median gross rent
- $1,232
- Homes owned by their occupants
- 72.6%
- Housing units
- 17,505
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 45231?
562 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance109
- Retail trade85
- Other services (except public administration)84
- Accommodation and food services62
- Construction47
- Administrative and support and waste management and remediation services41
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 45231?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 45218 | Cincinnati | 3,836 | $71k | 1.5 mi |
| 45240 | Cincinnati | 29,600 | $72k | 2.7 mi |
| 45224 | Cincinnati | 21,900 | $57k | 3.1 mi |
| 45251 | Cincinnati | 20,254 | $75k | 3.9 mi |
| 45239 | Cincinnati | 29,607 | $60k | 3.9 mi |
| 45215 | Cincinnati | 30,586 | $69k | 4.0 mi |
| 45014 | Fairfield | 45,773 | $76k | 5.5 mi |
| 45216 | Cincinnati | 9,569 | $44k | 4.3 mi (near) |
| 45232 | Cincinnati | 6,363 | $28k | 4.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.