Residential delivery area · Ohio
ZIP Code 45318: Covington, OH
ZIP code 45318 uses the postal name Covington, Ohio and lies entirely in Miami County (Census 2020 ZIP-county file). About 5,500 people live there (Census Bureau, ACS 2020-2024). Median household income is $73,867 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Covington; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Covington · its only residential ZIP
- County
- Miami County
- Census places
- Covington
- Metro area
- Dayton-Kettering-Beavercreek, OH
- House districts
- OH-15 (79%), OH-8 (21%) 119th Congress, by share of land
- State
- Ohio
- Time zone
- Eastern
- Land area
- 46.9 sq mi · 118 people per sq mi
Where is ZIP code 45318?
45318 centers on 40.127°, -84.354° and covers 46.9 square miles of land plus 0.3 of water. It borders 7 ZIP codes: 45359, 45308, 45356, 45363, 45333, 45373, 45380.
The map draws ZIP code areas only. For the streets inside 45318, 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 45318 compare with the rest of Miami County?
| Measure | 45318 | In Miami County | In OH |
|---|---|---|---|
| People (ACS 2020-2024) | 5,511 | 9th of 17 | 499th of 1,233 |
| Median household income | $74k | 10th of 13 | 343rd of 755 |
| Median home value | $199k | 8th of 14 | 389th of 810 |
Its median household income is higher than in 53% of U.S. residential ZIP codes, and it is denser than 56% 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 45318?
The 2020 Census counted 5,438 people in 45318; the ACS, which samples households over 2020-2024, estimates 5,511. Between the 2010 and 2020 censuses its population grew 1.4% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 5,511
- 2020 Census count
- 5,438+1.4% since 2010 (5,365)
- Households
- 2,215
- Median age
- 49.1
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 45318?
Of the 5,511 people the ACS estimates in 45318, 18.0% are under 18 and 23.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (93.9%).
- Under 1818.0%
- 18 to 6458.3%
- 65 and older23.6%
- White, not Hispanic93.9%
- Hispanic or Latino4.9%
- Black, not Hispanic0.7%
- Other or two or more0.5%
- Asian, not Hispanic0.0%
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 45318 earn?
Median household income is $73,867 (ACS 2020-2024), the 10th highest of the 13 ranked ZIP codes in Miami County. It is not measurably different from 2015-2019 ($68,060 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $73,867±$13,723
- Income per person
- $35,128
- Below the poverty line
- 3.6%
- Unemployed (of the labor force)
- 4.6%
- Adults 25+ with a bachelor's degree
- 13.0%
- Adjusted gross income per tax return, 2022
- $72,1222,590 returns; wages 66% 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 45318?
FHFA's house price index for 45318, built from repeat sales and appraisals of the same homes, rose 84% from 2015 to 2025 and rose 45% from 2020 to 2025, and moved −7.1% in 2025.
- Median home value (owners' estimate)
- $199,400
- Median gross rent
- $838
- Homes owned by their occupants
- 75.6%
- Housing units
- 2,511
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 45318?
123 business establishments had a location in this ZIP code in 2023, 7 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction25
- Other services (except public administration)21
- Retail trade14
- Manufacturing13
- Wholesale trade10
- Accommodation and food services8
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 45318?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 45359 | Pleasant Hill | 2,160 | $77k | 5.3 mi |
| 45308 | Bradford | 4,385 | $70k | 5.4 mi |
| 45356 | Piqua | 25,237 | $69k | 7.1 mi |
| 45363 | Russia | 1,862 | $95k | 8.1 mi |
| 45333 | Houston | 1,830 | $64k | 8.5 mi |
| 45373 | Troy | 37,565 | $76k | 10.6 mi |
| 45380 | Versailles | 5,394 | $84k | 11.4 mi |
| 45328 | Gettysburg | 544 | $63k | 7.6 mi (near) |
| 45339 | Ludlow Falls | 1,057 | $98k | 8.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.