PlainZIP

Eaton, OH · standard

ZIP Code 45320

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

15,691
45/sq mi
$64,903
Median income
$186,200
Median home value
22.1%
Bachelor's or higher

The verdict

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

38th pct
household income, US ZIPs
40th pct
home value, US ZIPs
45
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45320 against every reporting US ZIP.

ZIP code 45320 is a mid-sized community (a standard USPS delivery area) in Eaton, Preble County, Ohio, home to 15,691 residents across 346.4 square miles, a density of 45 people per square mile, in the New York time zone.

ZIP 45320 reports a modest median household income of $64,903 (11% below the Ohio average), while per-capita income is $34,703. Poverty here runs at 10.7%, with unemployment measured at 2.5%. On housing, the median home value is $186,200 (6% below the state average) with median rent at $783 per month, and 77.1% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 22.1% of adults hold a bachelor's degree or higher, the median age is 44.1, and the average commute is 24 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 45320, plus 6 more within Preble 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 45320

Top 5 sectors by establishment count in Eaton, OH

Which industries have the most business establishments in ZIP 45320.

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 45320, Eaton, 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

15,691

Population

346.4

Area (sq mi)

45

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 45320?

44.1

Median Age

48.8%

Male

51.2%

Female

0.5%

Foreign-Born

White 95.0%
African American 0.6%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.4%
Hispanic or Latino 0.6%

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?

$64,903

Median Household Income

-11% vs state

$34,703

Per Capita Income

10.7%

Poverty Rate

2.5%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 45320 ranks nationally

Eaton, OH household income vs. every US ZIP code

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

$64,903 38th percentile higher than 38% 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 66.9%
Bachelor's Degree or Higher 22.1%

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

What does housing look like?

7,154

Total Housing Units

6,659

Occupied Units

495

Vacant Units

2.28

Avg Household Size

Occupancy Type

Owner 77.1%
Renter 22.9%

$186,200

Median Home Value

-6% vs state

$783

Median Rent

1978

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

+7.5%

YoY Change (2024)

192

HPI Index (2000 = 100)

+92%

Total Change Since 2000

Home values in ZIP 45320 have increased 7.5% over the past year (2024). Since 2000, this ZIP has seen +92% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.1% 132
2021 +13.6% 150
2022 +14.3% 172
2023 +4.1% 179
2024 +7.5% 192

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 326 business establishments in ZIP 45320, employing approximately 6,477 people with a combined annual payroll of $339,925,000.

326

Businesses

6,477

Employees

$339.9M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 59 18.1%
Retail trade 52 15.9%
Other services (except public administration) 39 12.0%
Construction 32 9.8%
Accommodation and food services 30 9.2%
Finance and insurance 24 7.4%
Professional, scientific, and technical services 24 7.4%
Manufacturing 18 5.5%
Wholesale trade 10 3.1%
Transportation and warehousing 10 3.1%
Administrative and support and waste management and remediation services 8 2.5%
Real estate and rental and leasing 6 1.8%
Information 5 1.5%
Arts, entertainment, and recreation 5 1.5%

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 45320 vs 45321 →

ZIP 45320 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 45320 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45320 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 45320 ranks #4 of 5 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
45321 Eldorado, OH 931 8.6 mi
45311 Camden, OH 6,367 8.5 mi
45347 New Paris, OH 4,324 10.0 mi
45338 Lewisburg, OH 5,298 10.4 mi

More ZIP Codes in Preble County

45311 standard
Camden, OH
Pop: 6,367
45381 standard
West Alexandria, OH
Pop: 5,509
45338 standard
Lewisburg, OH
Pop: 5,298
45347 standard
New Paris, OH
Pop: 4,324
45382 standard
West Manchester, OH
Pop: 1,269
45321 standard
Eldorado, OH
Pop: 931

Related Areas

Preble County Eaton, OH Ohio

Frequently Asked Questions

What county is ZIP code 45320 in? ▼
ZIP code 45320 (Eaton) is located in Preble County, Ohio. Preble County contains multiple ZIP codes, see the full list at /counties/preble-oh.
What is the population of ZIP code 45320? ▼
ZIP code 45320 in Eaton, OH has a population of 15,691 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45320? ▼
The median household income in ZIP 45320 is $64,903, which is 15% below the national average of $76,288.
What is the average home value in ZIP 45320? ▼
The median home value in ZIP 45320 is $186,200, which is 33% below the national average of $278,155.
What is the demographic makeup of ZIP 45320? ▼
The largest racial group in ZIP 45320 is White at 95.0%. Hispanic or Latino residents make up 0.6% of the population.
How many businesses are in ZIP code 45320? ▼
ZIP code 45320 has 326 business establishments employing approximately 6,477 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45320? ▼
The top industries by establishment count in ZIP 45320 are: Health care and social assistance (59), Retail trade (52), Other services (except public administration) (39). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 45320? ▼
According to the FHFA House Price Index, home values in ZIP 45320 increased by 7.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 92%. 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 45320? ▼
In ZIP code 45320, 66.9% of residents aged 25+ have a high school diploma or higher, and 22.1% 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 45320? ▼
The mean commute time for workers in ZIP code 45320 is 24.2 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 45320? ▼
In ZIP code 45320, approximately 77.1% of occupied housing units are owner-occupied and 22.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45320? ▼
The poverty rate in ZIP code 45320 is 10.7% 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.