PlainZIP

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
$94,741
Median income
$218,900
Median home value
26.8%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $40,325. 6.6% of residents live below the poverty line, and the unemployment rate reads 5.1%. Housing costs here run $218,900 for a typical home value (11% above the state average), with rent averaging $980 a month; 82.9% of 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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45327, plus 6 more within Montgomery 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 45327

Top 5 sectors by establishment count in Germantown, OH

Which industries have the most business establishments in ZIP 45327.

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 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

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 45327?

39.9

Median Age

51.1%

Male

48.9%

Female

0.7%

Foreign-Born

White 94.6%
African American 0.6%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.7%
Hispanic or Latino 1.8%

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

$40,325

Per Capita Income

6.6%

Poverty Rate

5.1%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 45327 ranks nationally

Germantown, OH household income vs. every US ZIP code

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

$94,741 Top 23% higher than 77% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 61.6%
Bachelor's Degree or Higher 26.8%

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

What does housing look like?

3,702

Total Housing Units

3,586

Occupied Units

116

Vacant Units

2.58

Avg Household Size

Occupancy Type

Owner 82.9%
Renter 17.1%

$218,900

Median Home Value

+11% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45327 ranks #6 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 45327 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 45327 ranks the highest 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
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

More ZIP Codes in Montgomery County

45424 standard
Dayton, OH
Pop: 49,930
45342 standard
Miamisburg, OH
Pop: 36,784
45417 standard
Dayton, OH
Pop: 31,281
45458 standard
Dayton, OH
Pop: 29,880
45459 standard
Dayton, OH
Pop: 27,749
45431 standard
Dayton, OH
Pop: 26,315

Related Areas

Montgomery County Germantown, OH Ohio

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.

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