Residential delivery area · Ohio
ZIP Code 45245: Cincinnati, OH
ZIP code 45245 uses the postal name Cincinnati, Ohio and lies entirely in Clermont County (Census 2020 ZIP-county file). About 20,000 people live there (Census Bureau, ACS 2020-2024), the 19th most populous of Cincinnati's 46 residential ZIP codes. Median household income is $80,147 (Census Bureau, ACS 2020-2024). By Census place, 16% of its land lies in Withamsville (a census-designated place), and 4% in smaller places; 80% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Cincinnati · 46 residential ZIPs
- County
- Clermont County
- Census places
- Withamsville census-designated place
- Metro area
- Cincinnati, OH-KY-IN
- House district
- OH-2 119th Congress
- State
- Ohio
- Time zone
- Eastern
- Land area
- 15.8 sq mi · 1,266 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 45245?
45245 centers on 39.060°, -84.280° and covers 15.8 square miles of land plus 0.0 of water. It borders 6 ZIP codes: 45255, 45244, 45102, 45103, 45150, 45157.
The map draws ZIP code areas only. For the streets inside 45245, 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 45245 compare with the rest of Cincinnati?
| Measure | 45245 | In Cincinnati | In Clermont County | In OH |
|---|---|---|---|---|
| People (ACS 2020-2024) | 20,045 | 19th of 46 | 7th of 23 | 211th of 1,233 |
| Median household income | $80k | 16th of 39 | 10th of 16 | 256th of 755 |
| Median home value | $286k | 17th of 41 | 5th of 17 | 140th of 810 |
Its median household income is higher than in 62% of U.S. residential ZIP codes, and it is denser than 80% 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 45245?
The 2020 Census counted 20,249 people in 45245; the ACS, which samples households over 2020-2024, estimates 20,045. Between the 2010 and 2020 censuses its population grew 9.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 20,045
- 2020 Census count
- 20,249+9.2% since 2010 (18,542)
- Households
- 8,714
- Median age
- 41.7
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 45245?
Of the 20,045 people the ACS estimates in 45245, 18.1% are under 18 and 22.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (85.7%).
- Under 1818.1%
- 18 to 6459.8%
- 65 and older22.1%
- White, not Hispanic85.7%
- Other or two or more6.1%
- Hispanic or Latino4.7%
- Black, not Hispanic2.3%
- Asian, not Hispanic1.3%
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 45245 earn?
Median household income is $80,147 (ACS 2020-2024), the 10th highest of the 16 ranked ZIP codes in Clermont County. It is not measurably different from 2015-2019 ($78,930 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $80,147
- Income per person
- $48,964
- Below the poverty line
- 7.5%
- Unemployed (of the labor force)
- 2.9%
- Adults 25+ with a bachelor's degree
- 32.3%
- Adjusted gross income per tax return, 2022
- $79,34010,530 returns; wages 69% 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 45245?
FHFA's house price index for 45245, built from repeat sales and appraisals of the same homes, rose 106% from 2015 to 2025 and rose 57% from 2020 to 2025, and moved +5.9% in 2025.
- Median home value (owners' estimate)
- $285,900
- Median gross rent
- $1,223
- Homes owned by their occupants
- 62.6%
- Housing units
- 9,007
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 45245?
580 business establishments had a location in this ZIP code in 2023, 23 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade138
- Accommodation and food services73
- Health care and social assistance72
- Other services (except public administration)48
- Professional, scientific, and technical services40
- Finance and insurance39
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 45245?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 45255 | Cincinnati | 22,313 | $92k | 2.6 mi |
| 45244 | Cincinnati | 28,511 | $109k | 4.5 mi |
| 45102 | Amelia | 25,448 | $77k | 5.0 mi |
| 45103 | Batavia | 36,938 | $80k | 7.7 mi |
| 45150 | Milford | 33,527 | $94k | 7.8 mi |
| 45157 | New Richmond | 9,415 | $100k | 7.8 mi |
| 41059 | Melbourne, KY | 2,713 | $59k | 5.5 mi (near) |
| 45230 | Cincinnati | 27,501 | $90k | 5.9 mi (near) |
| 41085 | Silver Grove, KY | 601 | $78k | 6.3 mi (near) |
| 45174 | Terrace Park | 2,321 | $194k | 7.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.