Cincinnati, OH · standard
ZIP Code 45249
Hamilton County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 12,902
- 761/sq mi High-density area
- $105,804
- Median income Above-median income area
- $495,000
- Median home value Above-median home value
- 66.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cincinnati pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 15%
- household income, US ZIPs
- Top 13%
- home value, US ZIPs
- 761
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45249 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 45249 (Cincinnati, OH) rose +3.5% from 2023 to 2024. The all-transactions index moved from 202.1 in 2023 to 209.1 in 2024 (2000 = 100).
ZIP code 45249 is a mid-sized community (a standard USPS delivery area) in Cincinnati, Hamilton County, Ohio, home to 12,902 residents across 17.0 square miles, a density of 761 people per square mile, in the New York time zone.
ZIP 45249 lands in the middle-income range, with a median household income of $105,804 (45% above the average Ohio ZIP), while per-capita income is $64,324. The poverty rate is 8.9%, with unemployment at 2.8%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $495,000 (151% above the average Ohio ZIP), while 66.8% of occupied homes are owner-occupied and median rent is $1,519.
This is a highly-educated ZIP: 66.8% of adults hold a bachelor's degree or higher, the median age is 39.1, 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 45249 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 45249
Top 5 sectors by establishment count in Cincinnati, OH
Which industries have the most business establishments in ZIP 45249.
- Professional, scientific, and technical services
Professional, scientific, and technical services
105 establishments
- Retail trade
Retail trade
99 establishments
- Health care and social assistance
Health care and social assistance
75 establishments
- Accommodation and food services
Accommodation and food services
64 establishments
- Other services (except public administration)
Other services (except public administration)
64 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 45249, 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
12,902
Population
17.0
Area (sq mi)
761
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45249?
39.1
Median Age
49.4%
Male
50.6%
Female
18.5%
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?
$105,804
Median Household Income
+45% vs state ZIP avg
$64,324
Per Capita Income
8.9%
Poverty Rate
2.8%
Unemployment Rate
23.5 min
Mean Commute Time
How ZIP 45249 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)
$105,804 Top 8% higher than 92% 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
5,981housing units
5,981
Total Housing Units
5,638
Occupied Units
343
Vacant Units
2.57
Avg Household Size
Occupancy Type
$495,000
Median Home Value
+151% vs state ZIP avg
$1,519
Median Rent
1986
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
+3.5%
YoY Change (2024)
209
HPI Index (2000 = 100)
+109%
Total Change Since 2000
Home values in ZIP 45249 have increased 3.5% over the past year (2024). Since 2000, this ZIP has seen +109% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.5% | 143 |
| 2021 | +11.1% | 159 |
| 2022 | +10.4% | 176 |
| 2023 | +14.8% | 202 |
| 2024 | +3.5% | 209 |
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 697 business establishments in ZIP 45249, employing approximately 18,620 people with a combined annual payroll of $1,215,595,000.
697
Businesses
18,620
Employees
$1.2B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 105 | 15.1% |
| Retail trade | 99 | 14.2% |
| Health care and social assistance | 75 | 10.8% |
| Accommodation and food services | 64 | 9.2% |
| Other services (except public administration) | 64 | 9.2% |
| Finance and insurance | 52 | 7.5% |
| Real estate and rental and leasing | 41 | 5.9% |
| Wholesale trade | 37 | 5.3% |
| Construction | 35 | 5.0% |
| Administrative and support and waste management and remediation services | 35 | 5.0% |
| Information | 19 | 2.7% |
| Manufacturing | 17 | 2.4% |
| Arts, entertainment, and recreation | 17 | 2.4% |
| Educational services | 15 | 2.1% |
| Transportation and warehousing | 11 | 1.6% |
| Management of companies and enterprises | 8 | 1.1% |
| Utilities | 3 | 0.4% |
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 45249 vs 45242 →
ZIP 45249 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45140
Loveland (45140)
53,267 residents
- 45040
Mason (45040)
50,627 residents
- 45236
Cincinnati (45236)
24,552 residents
- 45241
Cincinnati (45241)
23,044 residents
- 45039
Maineville (45039)
22,814 residents
- 45242
Cincinnati (45242)
22,055 residents
- 45243 14,891
Cincinnati (45243)
14,891 residents
- 45249 12,902
Cincinnati (45249)
12,902 residents
- 45174 2,258
Terrace Park (45174)
2,258 residents
What this shows Among its immediate neighbors, ZIP 45249 ranks #8 by population - useful context the national average alone can't give.
ZIP 45249 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45174
Terrace Park (45174)
$193,750 median income
- 45243
Cincinnati (45243)
$171,172 median income
- 45040
Mason (45040)
$133,240 median income
- 45242
Cincinnati (45242)
$124,567 median income
- 45140
Loveland (45140)
$114,827 median income
- 45039
Maineville (45039)
$108,794 median income
- 45249
Cincinnati (45249)
$105,804 median income
- 45241
Cincinnati (45241)
$103,585 median income
- 45111
Camp Dennison (45111)
$100,893 median income
What this shows By household income, ZIP 45249 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45242 | Cincinnati, OH | 22,055 | 2.7 mi |
| 45241 | Cincinnati, OH | 23,044 | 4.0 mi |
| 45040 | Mason, OH | 50,627 | 5.4 mi |
| 45140 | Loveland, OH | 53,267 | 4.8 mi |
| 45243 | Cincinnati, OH | 14,891 | 6.4 mi |
| 45147 | Miamiville, OH | 147 | 5.2 mi |
| 45111 | Camp Dennison, OH | 376 | 5.8 mi |
| 45174 | Terrace Park, OH | 2,258 | 8.1 mi |
| 45236 | Cincinnati, OH | 24,552 | 5.9 mi |
| 45039 | Maineville, OH | 22,814 | 6.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45249, 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 (12,902 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 45249 in?
ZIP code 45249 (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 45249?
ZIP code 45249 in Cincinnati, OH has a population of 12,902 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45249?
The median household income in ZIP 45249 is $105,804, which is 39% above the national average of $76,288.
What is the average home value in ZIP 45249?
The median home value in ZIP 45249 is $495,000, which is 78% above the national average of $278,155.
What is the demographic makeup of ZIP 45249?
The largest racial group in ZIP 45249 is White at 68.8%. Hispanic or Latino residents make up 9.9% of the population.
How many businesses are in ZIP code 45249?
ZIP code 45249 has 697 business establishments employing approximately 18,620 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45249?
The top industries by establishment count in ZIP 45249 are: Professional, scientific, and technical services (105), Retail trade (99), Health care and social assistance (75). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 45249?
According to the FHFA House Price Index, home values in ZIP 45249 increased by 3.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 109%. 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 45249?
In ZIP code 45249, 77.2% of residents aged 25+ have a high school diploma or higher, and 66.8% 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 45249?
The mean commute time for workers in ZIP code 45249 is 23.5 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 45249?
In ZIP code 45249, approximately 66.8% of occupied housing units are owner-occupied and 33.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45249?
The poverty rate in ZIP code 45249 is 8.9% 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 45249's numbers, next.
- See how ZIP 45249 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.