PlainZIP

Phillipsburg, OH · standard

ZIP Code 45354

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

642
282/sq mi
$66,625
Median income
$151,000
Median home value
15.9%
Bachelor's or higher

The verdict

Phillipsburg pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.

41th pct
household income, US ZIPs
26th pct
home value, US ZIPs
282
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45354 against every reporting US ZIP.

ZIP code 45354 is a sparsely populated ZIP (a standard USPS delivery area) in Phillipsburg, Montgomery County, Ohio, home to just 642 residents across 2.3 square miles, a density of 282 people per square mile, in the New York time zone.

ZIP 45354 reports a modest median household income of $66,625 (9% below the Ohio average), while per-capita income is $34,826. Local economic indicators show a 6.9% poverty rate alongside 6.3% unemployment. Housing costs here run $151,000 for a typical home value (23% below the state average), with rent averaging $1,458 a month; 68.6% of homes are owner-occupied.

Educational attainment sits below the national norm: 15.9% of adults hold a bachelor's degree or higher, the median age is 53.6, and the average commute is -. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 45354, 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 →

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 45354, Phillipsburg, 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

642

Population

2.3

Area (sq mi)

282

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 45354?

53.6

Median Age

46.5%

Male

53.5%

Female

0.0%

Foreign-Born

White 99.8%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.2%
Hispanic or Latino 0.0%

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?

$66,625

Median Household Income

-9% vs state

$34,826

Per Capita Income

6.9%

Poverty Rate

6.3%

Unemployment Rate

How ZIP 45354 ranks nationally

Phillipsburg, OH household income vs. every US ZIP code

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

$66,625 41st percentile higher than 41% 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 60.7%
Bachelor's Degree or Higher 15.9%

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

What does housing look like?

337

Total Housing Units

283

Occupied Units

54

Vacant Units

1.95

Avg Household Size

Occupancy Type

Owner 68.6%
Renter 31.4%

$151,000

Median Home Value

-23% vs state

$1,458

Median Rent

1938

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 8 business establishments in ZIP 45354, employing approximately 45 people with a combined annual payroll of $2,330,000.

8

Businesses

45

Employees

$2.3M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Retail trade 3 37.5%

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 45354 vs 45361 →

ZIP 45354 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 45354 ranks #8 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 45354 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 45354 ranks #8 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
45361 Potsdam, OH 288 3.8 mi
45322 Englewood, OH 21,447 3.9 mi
45309 Brookville, OH 12,123 4.8 mi
45337 Laura, OH 1,690 4.9 mi
45378 Verona, OH 407 4.8 mi
45383 West Milton, OH 7,037 4.6 mi
45315 Clayton, OH 4,377 4.9 mi
45339 Ludlow Falls, OH 1,234 7.5 mi
45358 Pitsburg, OH 356 7.0 mi
45359 Pleasant Hill, OH 1,970 10.0 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 Phillipsburg, OH Ohio

Frequently Asked Questions

What county is ZIP code 45354 in? ▼
ZIP code 45354 (Phillipsburg) 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 45354? ▼
ZIP code 45354 in Phillipsburg, OH has a population of 642 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45354? ▼
The median household income in ZIP 45354 is $66,625, which is 13% below the national average of $76,288.
What is the average home value in ZIP 45354? ▼
The median home value in ZIP 45354 is $151,000, which is 46% below the national average of $278,155.
What is the demographic makeup of ZIP 45354? ▼
The largest racial group in ZIP 45354 is White at 99.8%.
How many businesses are in ZIP code 45354? ▼
ZIP code 45354 has 8 business establishments employing approximately 45 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 45354? ▼
In ZIP code 45354, 60.7% of residents aged 25+ have a high school diploma or higher, and 15.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 45354? ▼
In ZIP code 45354, approximately 68.6% of occupied housing units are owner-occupied and 31.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45354? ▼
The poverty rate in ZIP code 45354 is 6.9% 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.