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 Moderate-density area
- $64,903
- Median income Near-median income area
- $186,200
- Median home value Near-median home value
- 22.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45320 (Eaton, OH) rose +7.5% from 2023 to 2024. The all-transactions index moved from 178.8 in 2023 to 192.2 in 2024 (2000 = 100).
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 average Ohio ZIP), while per-capita income is $34,703. The poverty rate is 10.7%, with unemployment at 2.5%; those measures add context to the income figure. Median home value is $186,200 (6% below the average Ohio ZIP) and median rent is $783; 77.1% of occupied homes 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. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Preble County, so 45320 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 45320
Top 5 sectors by establishment count in Eaton, OH
Which industries have the most business establishments in ZIP 45320.
- Health care and social assistance
Health care and social assistance
59 establishments
- Retail trade
Retail trade
52 establishments
- Other services (except public administration)
Other services (except public administration)
39 establishments
- Construction
Construction
32 establishments
- Accommodation and food services
Accommodation and food services
30 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 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
Who lives in ZIP 45320?
44.1
Median Age
48.8%
Male
51.2%
Female
0.5%
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?
$64,903
Median Household Income
-11% vs state ZIP avg
$34,703
Per Capita Income
10.7%
Poverty Rate
2.5%
Unemployment Rate
24.2 min
Mean Commute Time
How ZIP 45320 ranks among Ohio ZIPs
Eaton, 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)
$64,903 39th percentile higher than 39% 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
7,154housing units
7,154
Total Housing Units
6,659
Occupied Units
495
Vacant Units
2.28
Avg Household Size
Occupancy Type
$186,200
Median Home Value
-6% vs state ZIP avg
$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.
- 45320
Eaton (45320)
15,691 residents
- 45311
Camden (45311)
6,367 residents
- 45338 5,298
Lewisburg (45338)
5,298 residents
- 45347 4,324
New Paris (45347)
4,324 residents
- 45321 931
Eldorado (45321)
931 residents
What this shows Among its immediate neighbors, ZIP 45320 ranks the most populous - useful context the national average alone can't give.
ZIP 45320 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45338
Lewisburg (45338)
$74,776 median income
- 45321
Eldorado (45321)
$69,135 median income
- 45311
Camden (45311)
$68,555 median income
- 45320
Eaton (45320)
$64,903 median income
- 45347
New Paris (45347)
$63,025 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45320, 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 (15,691 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Preble County
Related Areas
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.
Related
Take this with you
What to do with ZIP 45320's numbers, next.
- See how ZIP 45320 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Eaton, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.