PlainZIP

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
$73,867
Median income
$199,400
Median home value
13.0%
Bachelor's or higher

The verdict

Covington pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 47%
household income, US ZIPs
43th 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.

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 Ohio average), while per-capita income is $35,128. The poverty rate stands at 3.6% and the unemployment rate at 4.6%. The typical home here is valued at $199,400 (1% above the state average); renters pay a median of $838 monthly, and 75.6% of units 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. Beyond these figures, 9 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Miami County, letting you compare 45318 to its immediate surroundings rather than a national baseline 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 45318

Top 5 sectors by establishment count in Covington, OH

Which industries have the most business establishments in ZIP 45318.

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 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

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 45318?

49.1

Median Age

49.4%

Male

50.6%

Female

0.0%

Foreign-Born

White 95.2%
African American 0.7%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.0%
Hispanic or Latino 4.9%

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

$35,128

Per Capita Income

3.6%

Poverty Rate

4.6%

Unemployment Rate

24.6 min

Mean Commute Time

How ZIP 45318 ranks nationally

Covington, OH household income vs. every US ZIP code

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

$73,867 Top 47% higher than 53% 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 62.5%
Bachelor's Degree or Higher 13.0%

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

What does housing look like?

2,511

Total Housing Units

2,215

Occupied Units

296

Vacant Units

2.46

Avg Household Size

Occupancy Type

Owner 75.6%
Renter 24.4%

$199,400

Median Home Value

+1% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45318 ranks #2 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 45318 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 45318 ranks #5 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
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

More ZIP Codes in Miami County

45373 standard
Troy, OH
Pop: 35,131
45356 standard
Piqua, OH
Pop: 25,172
45371 standard
Tipp City, OH
Pop: 18,333
45383 standard
West Milton, OH
Pop: 7,037
45359 standard
Pleasant Hill, OH
Pop: 1,970
45337 standard
Laura, OH
Pop: 1,690

Related Areas

Miami County Covington, OH Ohio

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.

Read our methodology to see how this data is sourced, computed, and verified.