PlainZIP

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
$75,742
Median income
$253,400
Median home value
35.1%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $40,954. Local economic indicators show a 10.1% poverty rate alongside 3.6% unemployment. Housing costs here run $253,400 for a typical home value (29% above the state average), with rent averaging $988 a month; 71.3% of homes are owner-occupied.

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. To put 45373 in local context, 8 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Miami County, for a geography-aware comparison.

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.

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 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

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 45373?

39.3

Median Age

49.5%

Male

50.5%

Female

4.8%

Foreign-Born

White 86.4%
African American 2.7%
Asian 3.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.6%
Hispanic or Latino 2.8%

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?

$75,742

Median Household Income

+4% vs state

$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

$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 67.6%
Bachelor's Degree or Higher 35.1%

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

What does housing look like?

16,038

Total Housing Units

15,229

Occupied Units

809

Vacant Units

2.44

Avg Household Size

Occupancy Type

Owner 71.3%
Renter 28.7%

$253,400

Median Home Value

+29% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45373 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45373 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 45373 ranks #6 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
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

More ZIP Codes in Miami County

45356 standard
Piqua, OH
Pop: 25,172
45371 standard
Tipp City, OH
Pop: 18,333
45383 standard
West Milton, OH
Pop: 7,037
45318 standard
Covington, OH
Pop: 5,365
45359 standard
Pleasant Hill, OH
Pop: 1,970
45337 standard
Laura, OH
Pop: 1,690

Related Areas

Miami County Troy, OH Ohio

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.

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