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 High-density area
- $71,947
- Median income Near-median income area
- $203,700
- Median home value Near-median home value
- 29.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45240 (Cincinnati, OH) rose +7.2% from 2023 to 2024. The all-transactions index moved from 195.9 in 2023 to 210.1 in 2024 (2000 = 100).
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 average Ohio ZIP), while per-capita income is $31,502. The poverty rate is 14.0%, with unemployment at 6.3%; those measures add context to the income figure. Median home value is $203,700 (3% above the average Ohio ZIP) and median rent is $1,284; 60.6% of occupied homes are owner-occupied.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Hamilton County, so 45240 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 45240
Top 5 sectors by establishment count in Cincinnati, OH
Which industries have the most business establishments in ZIP 45240.
- Health care and social assistance
Health care and social assistance
58 establishments
- Retail trade
Retail trade
53 establishments
- Construction
Construction
48 establishments
- Wholesale trade
Wholesale trade
44 establishments
- Other services (except public administration)
Other services (except public administration)
41 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 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
Who lives in ZIP 45240?
35.5
Median Age
45.3%
Male
54.7%
Female
11.4%
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?
$71,947
Median Household Income
-1% vs state ZIP avg
$31,502
Per Capita Income
14.0%
Poverty Rate
6.3%
Unemployment Rate
24.2 min
Mean Commute Time
How ZIP 45240 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)
$71,947 Top 47% higher than 53% 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
11,196housing units
11,196
Total Housing Units
10,986
Occupied Units
210
Vacant Units
2.69
Avg Household Size
Occupancy Type
$203,700
Median Home Value
+3% vs state ZIP avg
$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.
- 45014
Fairfield (45014)
43,917 residents
- 45231
Cincinnati (45231)
40,893 residents
- 45215
Cincinnati (45215)
29,623 residents
- 45240
Cincinnati (45240)
27,286 residents
- 45251
Cincinnati (45251)
22,391 residents
- 45224
Cincinnati (45224)
19,837 residents
- 45246 15,133
Cincinnati (45246)
15,133 residents
- 45015 12,038
Hamilton (45015)
12,038 residents
- 45232 6,358
Cincinnati (45232)
6,358 residents
What this shows Among its immediate neighbors, ZIP 45240 ranks #4 by population - useful context the national average alone can't give.
ZIP 45240 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45252
Cincinnati (45252)
$84,963 median income
- 45014
Fairfield (45014)
$75,661 median income
- 45251
Cincinnati (45251)
$74,614 median income
- 45240
Cincinnati (45240)
$71,947 median income
- 45231
Cincinnati (45231)
$71,353 median income
- 45218
Cincinnati (45218)
$71,000 median income
- 45215
Cincinnati (45215)
$69,372 median income
- 45246
Cincinnati (45246)
$65,370 median income
- 45224
Cincinnati (45224)
$56,471 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45240, 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 (27,286 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 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.
Related
Take this with you
What to do with ZIP 45240's numbers, next.
- See how ZIP 45240 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.