PlainZIP

Cincinnati, OH · standard

ZIP Code 45240

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

27,286
1,139/sq mi
$71,947
Median income
$203,700
Median home value
29.2%
Bachelor's or higher

The verdict

Cincinnati pairs an above-median household income with below-median home values, in a low-density, homeowner-dominated area.

Top 50%
household income, US ZIPs
44th pct
home value, US ZIPs
1,139
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45240 against every reporting US ZIP.

ZIP code 45240 is a densely settled ZIP (a standard USPS delivery area) in Cincinnati, Hamilton County, Ohio, with 27,286 residents across 24.0 square miles, a density of 1,139 people per square mile, in the New York time zone.

ZIP 45240 lands in the middle-income range, with a median household income of $71,947 (1% below the Ohio average), while per-capita income is $31,502. Poverty here runs at 14.0%, with unemployment measured at 6.3%. Median home value sits at $203,700 (3% above the state average), median rent at $1,284 a month, and owner-occupancy at 60.6%.

Educational attainment sits below the national norm: 29.2% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is 24 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45240, 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 45240

Top 5 sectors by establishment count in Cincinnati, OH

Which industries have the most business establishments in ZIP 45240.

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 45240, 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

27,286

Population

24.0

Area (sq mi)

1,139

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 45240?

35.5

Median Age

45.3%

Male

54.7%

Female

11.4%

Foreign-Born

White 24.9%
African American 60.9%
Asian 2.7%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 8.0%
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?

$71,947

Median Household Income

-1% vs state

$31,502

Per Capita Income

14.0%

Poverty Rate

6.3%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 45240 ranks nationally

Cincinnati, OH household income vs. every US ZIP code

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

$71,947 Top 50% higher than 50% 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%). This entry sits in this band. $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 58.3%
Bachelor's Degree or Higher 29.2%

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

What does housing look like?

11,196

Total Housing Units

10,986

Occupied Units

210

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 60.6%
Renter 39.4%

$203,700

Median Home Value

+3% vs state

$1,284

Median Rent

1971

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

+7.2%

YoY Change (2024)

210

HPI Index (2000 = 100)

+110%

Total Change Since 2000

Home values in ZIP 45240 have increased 7.2% over the past year (2024). Since 2000, this ZIP has seen +110% cumulative appreciation.

Year Annual Change HPI Index
2020 +10.8% 137
2021 +16.1% 159
2022 +11.9% 178
2023 +9.9% 196
2024 +7.2% 210

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 420 business establishments in ZIP 45240, employing approximately 8,704 people with a combined annual payroll of $461,052,000.

420

Businesses

8,704

Employees

$461.1M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 58 13.8%
Retail trade 53 12.6%
Construction 48 11.4%
Wholesale trade 44 10.5%
Other services (except public administration) 41 9.8%
Accommodation and food services 40 9.5%
Administrative and support and waste management and remediation services 27 6.4%
Professional, scientific, and technical services 25 6.0%
Manufacturing 21 5.0%
Finance and insurance 20 4.8%
Real estate and rental and leasing 20 4.8%
Transportation and warehousing 8 1.9%
Educational services 6 1.4%
Information 4 0.9%
Arts, entertainment, and recreation 3 0.7%

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 45240 vs 45218 →

ZIP 45240 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 45240 ranks #4 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 45240 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 45240 ranks #4 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
45218 Cincinnati, OH 3,846 1.3 mi
45231 Cincinnati, OH 40,893 2.8 mi
45014 Fairfield, OH 43,917 3.2 mi
45246 Cincinnati, OH 15,133 3.3 mi
45251 Cincinnati, OH 22,391 3.7 mi
45224 Cincinnati, OH 19,837 5.8 mi
45015 Hamilton, OH 12,038 5.3 mi
45252 Cincinnati, OH 4,600 5.6 mi
45215 Cincinnati, OH 29,623 5.0 mi
45232 Cincinnati, OH 6,358 7.1 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 45240 in? ▼
ZIP code 45240 (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 45240? ▼
ZIP code 45240 in Cincinnati, OH has a population of 27,286 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45240? ▼
The median household income in ZIP 45240 is $71,947, which is 6% below the national average of $76,288.
What is the average home value in ZIP 45240? ▼
The median home value in ZIP 45240 is $203,700, which is 27% below the national average of $278,155.
What is the demographic makeup of ZIP 45240? ▼
The largest racial group in ZIP 45240 is African American at 60.9%. Hispanic or Latino residents make up 8.1% of the population.
How many businesses are in ZIP code 45240? ▼
ZIP code 45240 has 420 business establishments employing approximately 8,704 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45240? ▼
The top industries by establishment count in ZIP 45240 are: Health care and social assistance (58), Retail trade (53), Construction (48). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45240? ▼
According to the FHFA House Price Index, home values in ZIP 45240 increased by 7.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 110%. 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 45240? ▼
In ZIP code 45240, 58.3% of residents aged 25+ have a high school diploma or higher, and 29.2% 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 45240? ▼
The mean commute time for workers in ZIP code 45240 is 24.2 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 45240? ▼
In ZIP code 45240, approximately 60.6% of occupied housing units are owner-occupied and 39.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45240? ▼
The poverty rate in ZIP code 45240 is 14.0% 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.