Troy, OH · standard
ZIP Code 45373
Miami County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 35,131
- 159/sq mi High-density area
- $75,742
- Median income Near-median income area
- $253,400
- Median home value Near-median home value
- 35.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Troy pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 44%
- household income, US ZIPs
- Top 42%
- home value, US ZIPs
- 159
- people per sq mi
- 71%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45373 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 45373 (Troy, OH) rose +9.5% from 2023 to 2024. The all-transactions index moved from 182.8 in 2023 to 200.2 in 2024 (2000 = 100).
ZIP code 45373 is a densely settled ZIP (a standard USPS delivery area) in Troy, Miami County, Ohio, with 35,131 residents across 221.6 square miles, a density of 159 people per square mile, in the New York time zone.
ZIP 45373 lands in the middle-income range, with a median household income of $75,742 (4% above the average Ohio ZIP), while per-capita income is $40,954. The poverty rate is 10.1%, with unemployment at 3.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $253,400 (29% above the average Ohio ZIP), while 71.3% of occupied homes are owner-occupied and median rent is $988.
A solid share of residents have a four-year degree: 35.1% of adults hold a bachelor's degree or higher, the median age is 39.3, and the average commute is 21 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Miami County, so 45373 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 45373
Top 5 sectors by establishment count in Troy, OH
Which industries have the most business establishments in ZIP 45373.
- Retail trade
Retail trade
121 establishments
- Health care and social assistance
Health care and social assistance
114 establishments
- Other services (except public administration)
Other services (except public administration)
96 establishments
- Accommodation and food services
Accommodation and food services
92 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
74 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 45373, Troy, 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
35,131
Population
221.6
Area (sq mi)
159
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45373?
39.3
Median Age
49.5%
Male
50.5%
Female
4.8%
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?
$75,742
Median Household Income
+4% vs state ZIP avg
$40,954
Per Capita Income
10.1%
Poverty Rate
3.6%
Unemployment Rate
21.2 min
Mean Commute Time
How ZIP 45373 ranks nationally
Troy, OH household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$75,742 Top 44% higher than 56% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
16,038housing units
16,038
Total Housing Units
15,229
Occupied Units
809
Vacant Units
2.44
Avg Household Size
Occupancy Type
$253,400
Median Home Value
+29% vs state ZIP avg
$988
Median Rent
1973
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
+9.5%
YoY Change (2024)
200
HPI Index (2000 = 100)
+100%
Total Change Since 2000
Home values in ZIP 45373 have increased 9.5% over the past year (2024). Since 2000, this ZIP has seen +100% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.7% | 135 |
| 2021 | +11.0% | 150 |
| 2022 | +12.3% | 168 |
| 2023 | +8.6% | 183 |
| 2024 | +9.5% | 200 |
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 862 business establishments in ZIP 45373, employing approximately 19,222 people with a combined annual payroll of $998,860,000.
862
Businesses
19,222
Employees
$998.9M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 121 | 14.0% |
| Health care and social assistance | 114 | 13.2% |
| Other services (except public administration) | 96 | 11.1% |
| Accommodation and food services | 92 | 10.7% |
| Professional, scientific, and technical services | 74 | 8.6% |
| Construction | 73 | 8.5% |
| Manufacturing | 67 | 7.8% |
| Finance and insurance | 65 | 7.5% |
| Administrative and support and waste management and remediation services | 37 | 4.3% |
| Real estate and rental and leasing | 33 | 3.8% |
| Wholesale trade | 27 | 3.1% |
| Information | 17 | 2.0% |
| Arts, entertainment, and recreation | 17 | 2.0% |
| Transportation and warehousing | 14 | 1.6% |
| Educational services | 9 | 1.0% |
| Management of companies and enterprises | 3 | 0.3% |
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 45373 vs 45371 →
ZIP 45373 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45373
Troy (45373)
35,131 residents
- 45356
Piqua (45356)
25,172 residents
- 45322
Englewood (45322)
21,447 residents
- 45371
Tipp City (45371)
18,333 residents
- 45377
Vandalia (45377)
15,215 residents
- 45383 7,037
West Milton (45383)
7,037 residents
- 45312 1,435
Casstown (45312)
1,435 residents
- 45339 1,234
Ludlow Falls (45339)
1,234 residents
- 45326 1,179
Fletcher (45326)
1,179 residents
What this shows Among its immediate neighbors, ZIP 45373 ranks the most populous - useful context the national average alone can't give.
ZIP 45373 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45339
Ludlow Falls (45339)
$97,750 median income
- 45371
Tipp City (45371)
$93,599 median income
- 45326
Fletcher (45326)
$93,472 median income
- 45312
Casstown (45312)
$91,842 median income
- 45377
Vandalia (45377)
$77,398 median income
- 45373
Troy (45373)
$75,742 median income
- 45322
Englewood (45322)
$75,349 median income
- 45356
Piqua (45356)
$69,188 median income
- 45383
West Milton (45383)
$66,620 median income
What this shows By household income, ZIP 45373 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45371 | Tipp City, OH | 18,333 | 6.6 mi |
| 45312 | Casstown, OH | 1,435 | 6.4 mi |
| 45377 | Vandalia, OH | 15,215 | 9.5 mi |
| 45356 | Piqua, OH | 25,172 | 9.1 mi |
| 45339 | Ludlow Falls, OH | 1,234 | 8.0 mi |
| 45326 | Fletcher, OH | 1,179 | 9.3 mi |
| 45383 | West Milton, OH | 7,037 | 9.2 mi |
| 45322 | Englewood, OH | 21,447 | 11.7 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45373, 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 (35,131 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Miami County
Related Areas
Frequently Asked Questions
What county is ZIP code 45373 in?
ZIP code 45373 (Troy) is located in Miami County, Ohio. Miami County contains multiple ZIP codes, see the full list at /counties/miami-oh.
What is the population of ZIP code 45373?
ZIP code 45373 in Troy, OH has a population of 35,131 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45373?
The median household income in ZIP 45373 is $75,742, which is 1% below the national average of $76,288.
What is the average home value in ZIP 45373?
The median home value in ZIP 45373 is $253,400, which is 9% below the national average of $278,155.
What is the demographic makeup of ZIP 45373?
The largest racial group in ZIP 45373 is White at 86.4%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 45373?
ZIP code 45373 has 862 business establishments employing approximately 19,222 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45373?
The top industries by establishment count in ZIP 45373 are: Retail trade (121), Health care and social assistance (114), Other services (except public administration) (96). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45373?
According to the FHFA House Price Index, home values in ZIP 45373 increased by 9.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 100%. 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 45373?
In ZIP code 45373, 67.6% of residents aged 25+ have a high school diploma or higher, and 35.1% 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 45373?
The mean commute time for workers in ZIP code 45373 is 21.2 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 45373?
In ZIP code 45373, approximately 71.3% of occupied housing units are owner-occupied and 28.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45373?
The poverty rate in ZIP code 45373 is 10.1% 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 45373's numbers, next.
- See how ZIP 45373 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Troy, 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.