45231 ZIP Code — Cincinnati, OH
Hamilton County, Ohio
ZIP code 45231 is located in Cincinnati, Ohio, within Hamilton County. It covers approximately 14.78 square miles and serves a population of 41,466 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 513.
About ZIP code 45231
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $150,400. Owner-occupancy sits near the national average at 71%.
Median household income is $64,741. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.
Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (23%) compared to national benchmarks.
41,466
population
14.78
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
45231 ZIP code map
Cities in ZIP code 45231
Below are the cities the US Postal Service accepts for ZIP code 45231. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Cincinnati | Acceptable |
| Cincinnati | Acceptable |
| Cincinnati | Preferred |
Nearby ZIP codes
45218 Cincinnati (0.9 mi)
45240 Cincinnati (1.9 mi)
45251 Cincinnati (3.7 mi)
45246 Cincinnati (3.9 mi)
45246 Cincinnati (3.9 mi)
45215 Cincinnati (4.1 mi)
45224 Cincinnati (4.2 mi)
45239 Cincinnati (4.7 mi)
45216 Cincinnati (4.9 mi)
45232 Cincinnati (5.4 mi)
45014 Fairfield (5.5 mi)
45014 Fairfield (5.5 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 41,466 |
| Population density | 2,806 / sq mi |
| State FIPS | 39 |
| County FIPS | 061 |
| Geography | |
|---|---|
| Land area | 14.78 sq mi |
| Water area | 0.21 sq mi |
| Latitude | 39.2581 |
| Longitude | -84.5324 |
| Timezone | Eastern (ET) |
| Area code | 513 |
Total population by age
Gender
Race & ethnicity
Economics
updated 06/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.4% | 43.3% | 43.3% |
| $50k – $100k | 34.0% | 28.8% | 31.4% |
| $100k – $200k | 20.3% | 20.7% | 20.0% |
| Over $200k | 2.2% | 7.2% | 5.2% |
Demographics & statistics
41,466
Population
2,806
People per sq mi
41.6
Median age
$64,741
Median household income
$33,144
Per capita income
$150,400
Median home value
$1,078
Median monthly rent
70.6%
Home ownership
13.5%
Poverty rate
5.0%
Unemployment
13,279
Housing units
25.1%
Bachelor's or higher
Age distribution
Male
Female
891
Under 5
989
1,314
5–9
1,461
1,466
10–14
1,628
1,024
15–19
1,137
932
20–24
1,035
2,561
25–34
2,845
2,243
35–44
2,492
2,457
45–54
2,731
1,573
55–59
1,747
1,366
60–64
1,517
2,146
65–74
2,385
1,174
75–84
1,305
496
85+
551
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 9,339 | 22.5% |
| 18 and over | 32,127 | 77.5% |
| 65 and over | 8,057 | 19.4% |
| Median age | 41.6 years | |
Race & ethnicity
White
47.6%
Black or African American
40.4%
Two or more races
6.2%
Asian
2.9%
Hispanic or Latino
1.6%
Other race
1.1%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 20,047 | 47.6% |
| Black or African American | 17,017 | 40.4% |
| Two or more races | 2,608 | 6.2% |
| Asian | 1,221 | 2.9% |
| Hispanic or Latino | 672 | 1.6% |
| Other race | 482 | 1.1% |
| American Indian / Alaska Native | 91 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.4% | 43.3% | 43.3% |
| $50k – $100k | 34.0% | 28.8% | 31.4% |
| $100k – $200k | 20.3% | 20.7% | 20.0% |
| Over $200k | 2.2% | 7.2% | 5.2% |
Under $10k
5.8%
$10k–$15k
3.0%
$15k–$25k
7.6%
$25k–$35k
11.2%
$35k–$50k
12.9%
$50k–$75k
15.5%
$75k–$100k
16.1%
$100k–$150k
17.8%
$150k–$200k
6.9%
$200k+
3.2%
| Range | % of households |
|---|---|
| Under $10k | 5.8% |
| $10k–$15k | 3.0% |
| $15k–$25k | 7.6% |
| $25k–$35k | 11.2% |
| $35k–$50k | 12.9% |
| $50k–$75k | 15.5% |
| $75k–$100k | 16.1% |
| $100k–$150k | 17.8% |
| $150k–$200k | 6.9% |
| $200k+ | 3.2% |
| Median income | $64,741 |
Housing
Home values
Under $50k
2.8%
$50k–$100k
16.5%
$100k–$150k
30.4%
$150k–$200k
24.9%
$200k–$300k
18.2%
$300k–$500k
6.1%
$500k–$1M
1.0%
$1M+
0.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $150,400 |
| Median rent / month | $1,078 |
| Owner occupied | 70.6% |
| Renter occupied | 29.4% |
| Vacant | 6.3% |
| Single-family detached | 77.4% |
| Large apartment buildings | 4.7% |
| Mobile homes | 0.9% |
| Median rooms | 6.0 |
| Avg household size (owned) | 2.36 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 3.7% |
| 2000–2009 | 4.6% |
| 1990–1999 | 4.8% |
| 1980–1989 | 7.2% |
| 1970–1979 | 15.2% |
| 1960–1969 | 22.0% |
| 1950–1959 | 27.2% |
| 1940–1949 | 5.5% |
| 1939 or earlier | 9.7% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.9% |
| 1 bedroom | 7.9% |
| 2 bedrooms | 20.4% |
| 3 bedrooms | 46.1% |
| 4 bedrooms | 23.0% |
| 5+ bedrooms | 1.7% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 9.1% |
| 1 vehicle | 36.2% |
| 2 vehicles | 37.0% |
| 3 or more | 17.7% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 62.6% |
| Electricity | 34.0% |
| Propane / LP gas | 1.7% |
| Fuel oil | 0.6% |
| Wood | 0.1% |
| No fuel used | 0.7% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 6,555 | 38.2% |
| Cohabiting couple | 938 | 5.5% |
| Male householder, no spouse | 2,920 | 17.0% |
| Female householder, no spouse | 6,747 | 39.3% |
| Households with children under 18 | 4,758 | 27.7% |
| Households with seniors (65+) | 5,680 | 33.1% |
| Average household size | 2.37 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 36.8% | 31.7% |
| Married | 46.4% | 39.1% |
| Separated | 2.2% | 0.8% |
| Widowed | 2.8% | 12.3% |
| Divorced | 11.7% | 16.1% |
Education
Less than 9th grade
2.7%
Some HS, no diploma
5.7%
HS graduate
33.0%
Some college, no degree
23.3%
Associate's degree
10.2%
Bachelor's degree
17.6%
Graduate / professional
7.5%
| Metric | % |
|---|---|
| HS diploma or higher | 91.6% |
| Bachelor's or higher | 25.1% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 314 | 3.6% |
| Kindergarten | 415 | 4.8% |
| Elementary school | 4,319 | 49.7% |
| High school | 2,118 | 24.4% |
| College / grad school | 1,525 | 17.5% |
Employment
Industry of employment
Education & healthcare
25.2%
Manufacturing
12.8%
Professional & management
12.1%
Finance & real estate
9.2%
Retail trade
8.3%
Arts, food & hospitality
7.1%
Transportation & utilities
6.8%
Other services
6.0%
Construction
5.3%
Wholesale trade
3.1%
Information
1.9%
Public administration
1.9%
Agriculture & mining
0.4%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 36.0% |
| Service | 19.5% |
| Sales & office | 18.7% |
| Natural resources & construction | 7.0% |
| Production & transportation | 18.7% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.7% |
| Government | 10.1% |
| Self-employed | 3.2% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 75.7% |
| Carpool | 9.5% |
| Public transit | 1.8% |
| Walk | 1.2% |
| Work from home | 10.4% |
| Other means | 1.4% |
| Avg commute (minutes) | 26.2 |
Poverty
All people
13.5%
Under 18 years
27.5%
18 and over
9.4%
Married-couple families
2.4%
Female-led households
22.0%
Income support
| Source | % of households |
|---|---|
| Social Security | 32.9% |
| Retirement income | 27.7% |
| Supplemental Security | 6.1% |
| Cash public assistance | 2.8% |
| Food stamps / SNAP | 15.1% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 38.1% |
| High blood pressure | 37.3% |
| High cholesterol | 29.9% |
| Diabetes | 13.8% |
| Heart disease | 7.4% |
| Stroke | 4.0% |
| Asthma | 11.2% |
| Arthritis | 29.1% |
| Kidney disease | 3.4% |
| Pulmonary disease | 8.7% |
| Cancer | 6.8% |
| Behavior / access | % |
|---|---|
| Smoking | 23.4% |
| Binge drinking | 17.1% |
| No physical activity | 28.5% |
| Less than 7 hrs sleep | 40.3% |
| Depression | 23.4% |
| Fair or poor health | 18.0% |
| Poor mental health | 16.8% |
| Poor physical health | 11.7% |
| No health insurance | 13.1% |
| Visited doctor (checkup) | 79.9% |
| Visited dentist | 61.6% |
| Cholesterol screening | 89.6% |
| Teeth loss | 17.6% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 2,237 | 7.0% |
| Disability | % |
|---|---|
| Any disability | 18.5% |
| Under 18 | 13.4% |
| 18–64 years | 15.8% |
| 65 and over | 33.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 64.0% |
| Public insurance | 42.3% |
| No insurance | 5.6% |
| Uninsured under 19 | 4.1% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 39,586 | 95.5% |
| Spanish | 528 | 1.3% |
| Other Indo-European | 144 | 0.4% |
| Asian & Pacific Islander | 259 | 0.7% |
| Other languages | 69 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 39,987 | 96.4% |
| Born in same state | 39,335 | 94.9% |
| Born in different state | 32,145 | 77.5% |
| Foreign born | 652 | 1.6% |
| Naturalized citizen | 1,479 | 3.6% |
| Not a US citizen | 1,118 | 75.6% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 4,130 | 10% |
| French | 2,532 | 6.1% |
| Arab | 1,590 | 3.8% |
| English | 286 | 0.7% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 145 | 0.3% |
| Dutch | 63 | 0.2% |
| German | 4 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.4% |
| Internet access | 91.8% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 45231
What city is ZIP code 45231 in?
ZIP code 45231 is primarily assigned to Cincinnati, Ohio.
What county is ZIP code 45231 in?
ZIP code 45231 falls within Hamilton County, Ohio.
What is the typical home value in ZIP code 45231?
The median home value in ZIP code 45231 is $150,400.
What is the population of ZIP code 45231?
ZIP code 45231 has an estimated population of 41,466 residents, with a density of 2,805 people per square mile.
What is the median household income in ZIP code 45231?
The median household income in ZIP code 45231 is $64,741, below the national median of ~$75,000.
What timezone is ZIP code 45231 in?
ZIP code 45231 observes the EST timezone.