PlainZIP

Cincinnati, OH · standard

ZIP Code 45246

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

15,133
575/sq mi
$65,370
Median income
$205,500
Median home value
30.5%
Bachelor's or higher

The verdict

Cincinnati pairs a below-median household income with below-median home values, in a low-density, mixed-tenure area.

39th pct
household income, US ZIPs
45th pct
home value, US ZIPs
575
people per sq mi
57%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45246 against every reporting US ZIP.

ZIP code 45246 is a mid-sized community (a standard USPS delivery area) in Cincinnati, Hamilton County, Ohio, home to 15,133 residents across 26.3 square miles, a density of 575 people per square mile, in the New York time zone.

ZIP 45246 reports a modest median household income of $65,370 (10% below the Ohio average), while per-capita income is $39,455. 11.5% of residents live below the poverty line, and the unemployment rate reads 2.5%. On housing, the median home value is $205,500 (4% above the state average) with median rent at $1,240 per month, and 56.6% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 30.5% of adults hold a bachelor's degree or higher, the median age is 39.7, and the average commute is 19 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45246, 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 45246

Top 5 sectors by establishment count in Cincinnati, OH

Which industries have the most business establishments in ZIP 45246.

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 45246, 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

15,133

Population

26.3

Area (sq mi)

575

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 45246?

39.7

Median Age

46.0%

Male

54.0%

Female

13.7%

Foreign-Born

White 56.5%
African American 25.1%
Asian 5.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.4%
Hispanic or Latino 10.7%

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?

$65,370

Median Household Income

-10% vs state

$39,455

Per Capita Income

11.5%

Poverty Rate

2.5%

Unemployment Rate

19.4 min

Mean Commute Time

How ZIP 45246 ranks nationally

Cincinnati, OH household income vs. every US ZIP code

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

$65,370 39th percentile higher than 39% 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 57.5%
Bachelor's Degree or Higher 30.5%

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

What does housing look like?

6,415

Total Housing Units

5,906

Occupied Units

509

Vacant Units

2.25

Avg Household Size

Occupancy Type

Owner 56.6%
Renter 43.4%

$205,500

Median Home Value

+4% vs state

$1,240

Median Rent

1967

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

+11.3%

YoY Change (2024)

211

HPI Index (2000 = 100)

+111%

Total Change Since 2000

Home values in ZIP 45246 have increased 11.3% over the past year (2024). Since 2000, this ZIP has seen +111% cumulative appreciation.

Year Annual Change HPI Index
2020 +11.4% 132
2021 +15.0% 152
2022 +13.5% 172
2023 +10.1% 190
2024 +11.3% 211

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 1,080 business establishments in ZIP 45246, employing approximately 27,776 people with a combined annual payroll of $1,701,856,000.

1,080

Businesses

27,776

Employees

$1.7B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 142 13.2%
Retail trade 139 12.9%
Wholesale trade 107 9.9%
Professional, scientific, and technical services 89 8.2%
Accommodation and food services 88 8.2%
Other services (except public administration) 88 8.2%
Administrative and support and waste management and remediation services 74 6.8%
Manufacturing 73 6.8%
Transportation and warehousing 65 6.0%
Finance and insurance 59 5.5%
Construction 50 4.6%
Real estate and rental and leasing 40 3.7%
Management of companies and enterprises 20 1.9%
Information 18 1.7%
Educational services 18 1.7%
Arts, entertainment, and recreation 8 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 45246 vs 45215 →

ZIP 45246 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 45246 ranks #9 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 45246 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 45246 ranks #9 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
45215 Cincinnati, OH 29,623 3.8 mi
45240 Cincinnati, OH 27,286 3.3 mi
45241 Cincinnati, OH 23,044 3.6 mi
45218 Cincinnati, OH 3,846 3.4 mi
45216 Cincinnati, OH 9,570 6.2 mi
45069 West Chester, OH 49,060 4.7 mi
45237 Cincinnati, OH 20,021 6.7 mi
45231 Cincinnati, OH 40,893 4.9 mi
45014 Fairfield, OH 43,917 5.2 mi
45212 Cincinnati, OH 22,253 8.7 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 45246 in? ▼
ZIP code 45246 (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 45246? ▼
ZIP code 45246 in Cincinnati, OH has a population of 15,133 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45246? ▼
The median household income in ZIP 45246 is $65,370, which is 14% below the national average of $76,288.
What is the average home value in ZIP 45246? ▼
The median home value in ZIP 45246 is $205,500, which is 26% below the national average of $278,155.
What is the demographic makeup of ZIP 45246? ▼
The largest racial group in ZIP 45246 is White at 56.5%. Hispanic or Latino residents make up 10.7% of the population.
How many businesses are in ZIP code 45246? ▼
ZIP code 45246 has 1,080 business establishments employing approximately 27,776 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45246? ▼
The top industries by establishment count in ZIP 45246 are: Health care and social assistance (142), Retail trade (139), Wholesale trade (107). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45246? ▼
According to the FHFA House Price Index, home values in ZIP 45246 increased by 11.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 111%. 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 45246? ▼
In ZIP code 45246, 57.5% of residents aged 25+ have a high school diploma or higher, and 30.5% 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 45246? ▼
The mean commute time for workers in ZIP code 45246 is 19.4 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 45246? ▼
In ZIP code 45246, approximately 56.6% of occupied housing units are owner-occupied and 43.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45246? ▼
The poverty rate in ZIP code 45246 is 11.5% 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.