Covington, OH · standard
ZIP Code 45318
Miami County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,365
- 46/sq mi Moderate-density area
- $73,867
- Median income Near-median income area
- $199,400
- Median home value Near-median home value
- 13.0%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Covington pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 47%
- household income, US ZIPs
- 43rd pct
- home value, US ZIPs
- 46
- people per sq mi
- 76%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45318 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 45318 (Covington, OH) rose +10.0% from 2023 to 2024. The all-transactions index moved from 191.1 in 2023 to 210.3 in 2024 (2000 = 100).
ZIP code 45318 is a mid-sized community (a standard USPS delivery area) in Covington, Miami County, Ohio, home to 5,365 residents across 115.9 square miles, a density of 46 people per square mile, in the New York time zone.
ZIP 45318 lands in the middle-income range, with a median household income of $73,867 (1% above the average Ohio ZIP), while per-capita income is $35,128. The poverty rate is 3.6%, with unemployment at 4.6%; those measures add context to the income figure. Median home value is $199,400 (1% above the average Ohio ZIP) and median rent is $838; 75.6% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 13.0% of adults hold a bachelor's degree or higher, the median age is 49.1, and the average commute is 25 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Miami County, so 45318 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 45318
Top 5 sectors by establishment count in Covington, OH
Which industries have the most business establishments in ZIP 45318.
- Construction
Construction
25 establishments
- Other services (except public administration)
Other services (except public administration)
21 establishments
- Retail trade
Retail trade
14 establishments
- Manufacturing
Manufacturing
13 establishments
- Wholesale trade
Wholesale trade
10 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 45318, Covington, 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
5,365
Population
115.9
Area (sq mi)
46
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45318?
49.1
Median Age
49.4%
Male
50.6%
Female
0.0%
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?
$73,867
Median Household Income
+1% vs state ZIP avg
$35,128
Per Capita Income
3.6%
Poverty Rate
4.6%
Unemployment Rate
24.6 min
Mean Commute Time
How ZIP 45318 ranks among Ohio ZIPs
Covington, 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)
$73,867 Top 43% higher than 57% 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
2,511housing units
2,511
Total Housing Units
2,215
Occupied Units
296
Vacant Units
2.46
Avg Household Size
Occupancy Type
$199,400
Median Home Value
+1% vs state ZIP avg
$838
Median Rent
1964
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
+10.0%
YoY Change (2024)
210
HPI Index (2000 = 100)
+110%
Total Change Since 2000
Home values in ZIP 45318 have increased 10.0% over the past year (2024). Since 2000, this ZIP has seen +110% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.0% | 133 |
| 2021 | +15.3% | 153 |
| 2022 | +7.8% | 165 |
| 2023 | +15.8% | 191 |
| 2024 | +10.0% | 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 123 business establishments in ZIP 45318, employing approximately 1,286 people with a combined annual payroll of $63,310,000.
123
Businesses
1,286
Employees
$63.3M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 25 | 20.3% |
| Other services (except public administration) | 21 | 17.1% |
| Retail trade | 14 | 11.4% |
| Manufacturing | 13 | 10.6% |
| Wholesale trade | 10 | 8.1% |
| Accommodation and food services | 8 | 6.5% |
| Professional, scientific, and technical services | 7 | 5.7% |
| Finance and insurance | 5 | 4.1% |
| Health care and social assistance | 5 | 4.1% |
| Administrative and support and waste management and remediation services | 4 | 3.3% |
| Transportation and warehousing | 3 | 2.4% |
| Real estate and rental and leasing | 3 | 2.4% |
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 45318 vs 45359 →
ZIP 45318 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45356
Piqua (45356)
25,172 residents
- 45318 5,365
Covington (45318)
5,365 residents
- 45308 4,682
Bradford (45308)
4,682 residents
- 45359 1,970
Pleasant Hill (45359)
1,970 residents
- 45363 1,770
Russia (45363)
1,770 residents
- 45337 1,690
Laura (45337)
1,690 residents
- 45333 1,345
Houston (45333)
1,345 residents
- 45339 1,234
Ludlow Falls (45339)
1,234 residents
- 45328 525
Gettysburg (45328)
525 residents
What this shows Among its immediate neighbors, ZIP 45318 ranks #2 by population - useful context the national average alone can't give.
ZIP 45318 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45337
Laura (45337)
$108,162 median income
- 45339
Ludlow Falls (45339)
$97,750 median income
- 45363
Russia (45363)
$95,268 median income
- 45359
Pleasant Hill (45359)
$77,083 median income
- 45318
Covington (45318)
$73,867 median income
- 45308
Bradford (45308)
$70,435 median income
- 45356
Piqua (45356)
$69,188 median income
- 45333
Houston (45333)
$63,906 median income
- 45328
Gettysburg (45328)
$63,125 median income
What this shows By household income, ZIP 45318 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45359 | Pleasant Hill, OH | 1,970 | 5.4 mi |
| 45308 | Bradford, OH | 4,682 | 5.5 mi |
| 45339 | Ludlow Falls, OH | 1,234 | 8.3 mi |
| 45333 | Houston, OH | 1,345 | 8.2 mi |
| 45356 | Piqua, OH | 25,172 | 6.8 mi |
| 45328 | Gettysburg, OH | 525 | 7.6 mi |
| 45363 | Russia, OH | 1,770 | 8.0 mi |
| 45337 | Laura, OH | 1,690 | 10.9 mi |
| 45358 | Pitsburg, OH | 356 | 12.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45318, 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 (5,365 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Miami County
Related Areas
Frequently Asked Questions
What county is ZIP code 45318 in?
ZIP code 45318 (Covington) is located in Miami County, Ohio. Miami County contains multiple ZIP codes, see the full list at /counties/miami-oh.
What is the population of ZIP code 45318?
ZIP code 45318 in Covington, OH has a population of 5,365 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45318?
The median household income in ZIP 45318 is $73,867, which is 3% below the national average of $76,288.
What is the average home value in ZIP 45318?
The median home value in ZIP 45318 is $199,400, which is 28% below the national average of $278,155.
What is the demographic makeup of ZIP 45318?
The largest racial group in ZIP 45318 is White at 95.2%. Hispanic or Latino residents make up 4.9% of the population.
How many businesses are in ZIP code 45318?
ZIP code 45318 has 123 business establishments employing approximately 1,286 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45318?
The top industries by establishment count in ZIP 45318 are: Construction (25), Other services (except public administration) (21), Retail trade (14). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 45318?
According to the FHFA House Price Index, home values in ZIP 45318 increased by 10.0% 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 45318?
In ZIP code 45318, 62.5% of residents aged 25+ have a high school diploma or higher, and 13.0% 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 45318?
The mean commute time for workers in ZIP code 45318 is 24.6 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 45318?
In ZIP code 45318, approximately 75.6% of occupied housing units are owner-occupied and 24.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45318?
The poverty rate in ZIP code 45318 is 3.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
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What to do with ZIP 45318's numbers, next.
- See how ZIP 45318 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Covington, 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.