PlainZIP

Cincinnati, OH · standard

ZIP Code 45245

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

18,542
454/sq mi
$80,147
Median income
$285,900
Median home value
32.3%
Bachelor's or higher

The verdict

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

Top 38%
household income, US ZIPs
Top 36%
home value, US ZIPs
454
people per sq mi
63%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45245 against every reporting US ZIP.

ZIP code 45245 is a mid-sized community (a standard USPS delivery area) in Cincinnati, Clermont County, Ohio, home to 18,542 residents across 40.9 square miles, a density of 454 people per square mile, in the New York time zone.

ZIP 45245 lands in the middle-income range, with a median household income of $80,147 (10% above the Ohio average), while per-capita income is $48,964. The poverty rate stands at 7.5% and the unemployment rate at 2.9%. On housing, the median home value is $285,900 (45% above the state average) with median rent at $1,223 per month, and 62.6% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 32.3% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 23 minutes. To put 45245 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Clermont County, for a geography-aware comparison.

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 45245

Top 5 sectors by establishment count in Cincinnati, OH

Which industries have the most business establishments in ZIP 45245.

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 45245, 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

18,542

Population

40.9

Area (sq mi)

454

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 45245?

41.7

Median Age

47.9%

Male

52.1%

Female

3.3%

Foreign-Born

White 87.5%
African American 2.3%
Asian 1.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 4.7%

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?

$80,147

Median Household Income

+10% vs state

$48,964

Per Capita Income

7.5%

Poverty Rate

2.9%

Unemployment Rate

23.3 min

Mean Commute Time

How ZIP 45245 ranks nationally

Cincinnati, OH household income vs. every US ZIP code

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

$80,147 Top 38% higher than 62% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 63.6%
Bachelor's Degree or Higher 32.3%

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

What does housing look like?

9,007

Total Housing Units

8,714

Occupied Units

293

Vacant Units

2.28

Avg Household Size

Occupancy Type

Owner 62.6%
Renter 37.4%

$285,900

Median Home Value

+45% vs state

$1,223

Median Rent

1985

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

+4.9%

YoY Change (2024)

214

HPI Index (2000 = 100)

+114%

Total Change Since 2000

Home values in ZIP 45245 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.2% 144
2021 +12.8% 162
2022 +18.8% 192
2023 +6.1% 204
2024 +4.9% 214

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 580 business establishments in ZIP 45245, employing approximately 12,963 people with a combined annual payroll of $660,574,000.

580

Businesses

12,963

Employees

$660.6M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 138 23.8%
Accommodation and food services 73 12.6%
Health care and social assistance 72 12.4%
Other services (except public administration) 48 8.3%
Professional, scientific, and technical services 40 6.9%
Finance and insurance 39 6.7%
Real estate and rental and leasing 34 5.9%
Construction 30 5.2%
Administrative and support and waste management and remediation services 28 4.8%
Wholesale trade 22 3.8%
Transportation and warehousing 15 2.6%
Manufacturing 14 2.4%
Information 11 1.9%
Arts, entertainment, and recreation 9 1.6%
Educational services 6 1.0%

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 45245 vs 45255 →

ZIP 45245 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 45245 ranks #6 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 45245 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 45245 ranks #8 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
45255 Cincinnati, OH 21,775 2.8 mi
45244 Cincinnati, OH 28,565 4.8 mi
45102 Amelia, OH 22,680 4.9 mi
45230 Cincinnati, OH 27,536 6.2 mi
41059 Melbourne, KY 2,712 5.5 mi
45174 Terrace Park, OH 2,258 6.9 mi
41085 Silver Grove, KY 724 6.6 mi
45150 Milford, OH 31,394 7.5 mi
45111 Camp Dennison, OH 376 9.3 mi
45157 New Richmond, OH 9,758 7.7 mi

More ZIP Codes in Clermont County

45140 standard
Loveland, OH
Pop: 53,267
45103 standard
Batavia, OH
Pop: 31,485
45150 standard
Milford, OH
Pop: 31,394
45102 standard
Amelia, OH
Pop: 22,680
45106 standard
Bethel, OH
Pop: 12,349
45122 standard
Goshen, OH
Pop: 11,054

Related Areas

Clermont County Cincinnati, OH Ohio

Frequently Asked Questions

What county is ZIP code 45245 in? ▼
ZIP code 45245 (Cincinnati) is located in Clermont County, Ohio. Clermont County contains multiple ZIP codes, see the full list at /counties/clermont-oh.
What is the population of ZIP code 45245? ▼
ZIP code 45245 in Cincinnati, OH has a population of 18,542 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45245? ▼
The median household income in ZIP 45245 is $80,147, which is 5% above the national average of $76,288.
What is the average home value in ZIP 45245? ▼
The median home value in ZIP 45245 is $285,900, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 45245? ▼
The largest racial group in ZIP 45245 is White at 87.5%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 45245? ▼
ZIP code 45245 has 580 business establishments employing approximately 12,963 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45245? ▼
The top industries by establishment count in ZIP 45245 are: Retail trade (138), Accommodation and food services (73), Health care and social assistance (72). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45245? ▼
According to the FHFA House Price Index, home values in ZIP 45245 increased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. 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 45245? ▼
In ZIP code 45245, 63.6% of residents aged 25+ have a high school diploma or higher, and 32.3% 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 45245? ▼
The mean commute time for workers in ZIP code 45245 is 23.3 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 45245? ▼
In ZIP code 45245, approximately 62.6% of occupied housing units are owner-occupied and 37.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45245? ▼
The poverty rate in ZIP code 45245 is 7.5% 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.