Germantown, OH · standard
ZIP Code 45327
Montgomery County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,917
- 72/sq mi Moderate-density area
- $94,741
- Median income Above-median income area
- $218,900
- Median home value Near-median home value
- 26.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Germantown pairs an upper-quartile household income with below-median home values, in a rural, homeowner-dominated area.
- Top 23%
- household income, US ZIPs
- 49th pct
- home value, US ZIPs
- 72
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45327 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 45327 (Germantown, OH) rose +10.4% from 2023 to 2024. The all-transactions index moved from 176.1 in 2023 to 194.4 in 2024 (2000 = 100).
ZIP code 45327 is a mid-sized community (a standard USPS delivery area) in Germantown, Montgomery County, Ohio, home to 8,917 residents across 124.4 square miles, a density of 72 people per square mile, in the New York time zone.
ZIP 45327 lands in the middle-income range, with a median household income of $94,741 (30% above the average Ohio ZIP), while per-capita income is $40,325. The poverty rate is 6.6%, with unemployment at 5.1%; those measures add context to the income figure. Median home value is $218,900 (11% above the average Ohio ZIP) and median rent is $980; 82.9% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 26.8% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is 24 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 45327 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 45327
Top 5 sectors by establishment count in Germantown, OH
Which industries have the most business establishments in ZIP 45327.
- Other services (except public administration)
Other services (except public administration)
23 establishments
- Retail trade
Retail trade
19 establishments
- Construction
Construction
14 establishments
- Accommodation and food services
Accommodation and food services
14 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
13 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 45327, Germantown, 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
8,917
Population
124.4
Area (sq mi)
72
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45327?
39.9
Median Age
51.1%
Male
48.9%
Female
0.7%
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?
$94,741
Median Household Income
+30% vs state ZIP avg
$40,325
Per Capita Income
6.6%
Poverty Rate
5.1%
Unemployment Rate
24.2 min
Mean Commute Time
How ZIP 45327 ranks among Ohio ZIPs
Germantown, 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)
$94,741 Top 14% higher than 86% 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
3,702housing units
3,702
Total Housing Units
3,586
Occupied Units
116
Vacant Units
2.58
Avg Household Size
Occupancy Type
$218,900
Median Home Value
+11% vs state ZIP avg
$980
Median Rent
1969
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
+10.4%
YoY Change (2024)
194
HPI Index (2000 = 100)
+94%
Total Change Since 2000
Home values in ZIP 45327 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +94% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.8% | 130 |
| 2021 | +12.1% | 146 |
| 2022 | +8.2% | 158 |
| 2023 | +11.3% | 176 |
| 2024 | +10.4% | 194 |
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 138 business establishments in ZIP 45327, employing approximately 1,092 people with a combined annual payroll of $58,939,000.
138
Businesses
1,092
Employees
$58.9M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 23 | 16.7% |
| Retail trade | 19 | 13.8% |
| Construction | 14 | 10.1% |
| Accommodation and food services | 14 | 10.1% |
| Professional, scientific, and technical services | 13 | 9.4% |
| Health care and social assistance | 12 | 8.7% |
| Real estate and rental and leasing | 7 | 5.1% |
| Finance and insurance | 6 | 4.3% |
| Arts, entertainment, and recreation | 6 | 4.3% |
| Wholesale trade | 5 | 3.6% |
| Administrative and support and waste management and remediation services | 5 | 3.6% |
| Manufacturing | 4 | 2.9% |
| Transportation and warehousing | 4 | 2.9% |
| Information | 3 | 2.2% |
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 45327 vs 45325 →
ZIP 45327 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45342
Miamisburg (45342)
36,784 residents
- 45417
Dayton (45417)
31,281 residents
- 45005
Franklin (45005)
29,963 residents
- 45042
Middletown (45042)
26,451 residents
- 45067 13,898
Trenton (45067)
13,898 residents
- 45327 8,917
Germantown (45327)
8,917 residents
- 45345 6,144
New Lebanon (45345)
6,144 residents
- 45381 5,509
West Alexandria (45381)
5,509 residents
- 45325 2,647
Farmersville (45325)
2,647 residents
What this shows Among its immediate neighbors, ZIP 45327 ranks #6 by population - useful context the national average alone can't give.
ZIP 45327 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45327
Germantown (45327)
$94,741 median income
- 45342
Miamisburg (45342)
$84,907 median income
- 45067
Trenton (45067)
$81,605 median income
- 45325
Farmersville (45325)
$81,250 median income
- 45345
New Lebanon (45345)
$80,280 median income
- 45330
Gratis (45330)
$76,964 median income
- 45005
Franklin (45005)
$75,399 median income
- 45042
Middletown (45042)
$69,520 median income
- 45381
West Alexandria (45381)
$62,263 median income
What this shows By household income, ZIP 45327 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45325 | Farmersville, OH | 2,647 | 4.3 mi |
| 45345 | New Lebanon, OH | 6,144 | 7.3 mi |
| 45042 | Middletown, OH | 26,451 | 6.1 mi |
| 45342 | Miamisburg, OH | 36,784 | 6.6 mi |
| 45330 | Gratis, OH | 834 | 6.9 mi |
| 45005 | Franklin, OH | 29,963 | 8.5 mi |
| 45417 | Dayton, OH | 31,281 | 9.4 mi |
| 45067 | Trenton, OH | 13,898 | 10.8 mi |
| 45381 | West Alexandria, OH | 5,509 | 9.5 mi |
| 45428 | Dayton, OH | 240 | 10.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45327, 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 (8,917 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 45327 in?
ZIP code 45327 (Germantown) is located in Montgomery County, Ohio. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-oh.
What is the population of ZIP code 45327?
ZIP code 45327 in Germantown, OH has a population of 8,917 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45327?
The median household income in ZIP 45327 is $94,741, which is 24% above the national average of $76,288.
What is the average home value in ZIP 45327?
The median home value in ZIP 45327 is $218,900, which is 21% below the national average of $278,155.
What is the demographic makeup of ZIP 45327?
The largest racial group in ZIP 45327 is White at 94.6%. Hispanic or Latino residents make up 1.8% of the population.
How many businesses are in ZIP code 45327?
ZIP code 45327 has 138 business establishments employing approximately 1,092 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45327?
The top industries by establishment count in ZIP 45327 are: Other services (except public administration) (23), Retail trade (19), Construction (14). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 45327?
According to the FHFA House Price Index, home values in ZIP 45327 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 94%. 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 45327?
In ZIP code 45327, 61.6% of residents aged 25+ have a high school diploma or higher, and 26.8% 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 45327?
The mean commute time for workers in ZIP code 45327 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 45327?
In ZIP code 45327, approximately 82.9% of occupied housing units are owner-occupied and 17.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45327?
The poverty rate in ZIP code 45327 is 6.6% 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 45327's numbers, next.
- See how ZIP 45327 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Germantown, 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.