45245 ZIP Code — Cincinnati, OH

Clermont County, Ohio

ZIP code 45245 is located in Cincinnati, Ohio, within Clermont County. It covers approximately 15.84 square miles and serves a population of 20,352 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 513.

About ZIP code 45245

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $234,500. Owner-occupancy sits near the national average at 63%.

The gap between median ($70,279) and mean household income suggests income inequality — a small number of higher earners pull the average up. 32% 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 24 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

20,352

population

15.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45245 ZIP code map

Cities in ZIP code 45245

Below are the cities the US Postal Service accepts for ZIP code 45245. Using any city not on this list may result in mail delivery delays.

City	Status
Cincinnati	Acceptable
Cincinnati	Preferred

Nearby ZIP codes

45255 Cincinnati (3.5 mi) 45244 Cincinnati (4.4 mi) 45102 Amelia (5.6 mi) 41059 Melbourne (5.7 mi) 45230 Cincinnati (5.7 mi) 45174 Terrace Park (6.5 mi) 45150 Milford (7.1 mi) 45103 Batavia (7.1 mi) 45226 Cincinnati (7.9 mi) 45227 Cincinnati (8 mi) 45160 Owensville (8.6 mi) 45243 Cincinnati (8.7 mi)

Demographics updated 05/2026

Population
Total population	20,352
Population density	1,285 / sq mi
State FIPS	39
County FIPS	025

Geography
Land area	15.84 sq mi
Water area	0.03 sq mi
Latitude	39.0679
Longitude	-84.2805
Timezone	Eastern (ET)
Area code	513

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.4%	33.6%	43.3%
$50k – $100k	34.3%	32.3%	31.4%
$100k – $200k	23.8%	26.8%	20.0%
Over $200k	7.5%	7.4%	5.2%

Demographics & statistics

20,352

Population

1,285

People per sq mi

41.3

Median age

$70,279

Median household income

$43,984

Per capita income

$234,500

Median home value

$1,072

Median monthly rent

62.7%

Home ownership

9.3%

Poverty rate

3.6%

Unemployment

5,751

Housing units

31.5%

Bachelor's or higher

Age distribution

Male Female

461

Under 5

537

649

5–9

754

543

10–14

632

535

15–19

622

473

20–24

551

1,122

25–34

1,305

1,356

35–44

1,576

941

45–54

1,095

714

55–59

830

704

60–64

819

1,108

65–74

1,289

555

75–84

645

248

85+

288

← Male

Female →

Age summary

Group	Count	%
Under 18	4,122	20.3%
18 and over	16,230	79.7%
65 and over	4,133	20.3%
Median age	41.3 years

Race & ethnicity

White 88.5%

Two or more races 5.2%

Hispanic or Latino 2.5%

Black or African American 1.2%

Other race 1.2%

Asian 1.2%

American Indian / Alaska Native 0.3%

Group	Count	%
White	18,475	88.5%
Two or more races	1,085	5.2%
Hispanic or Latino	523	2.5%
Black or African American	252	1.2%
Other race	242	1.2%
Asian	241	1.2%
American Indian / Alaska Native	57	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.4%	33.6%	43.3%
$50k – $100k	34.3%	32.3%	31.4%
$100k – $200k	23.8%	26.8%	20.0%
Over $200k	7.5%	7.4%	5.2%

Under $10k 4.3%

$10k–$15k 3.3%

$15k–$25k 7.4%

$25k–$35k 6.2%

$35k–$50k 10.3%

$50k–$75k 21.4%

$75k–$100k 14.6%

$100k–$150k 13.4%

$150k–$200k 10.3%

$200k+ 8.9%

Range	% of households
Under $10k	4.3%
$10k–$15k	3.3%
$15k–$25k	7.4%
$25k–$35k	6.2%
$35k–$50k	10.3%
$50k–$75k	21.4%
$75k–$100k	14.6%
$100k–$150k	13.4%
$150k–$200k	10.3%
$200k+	8.9%
Median income	$70,279

Housing

Home values

Under $50k 1.8%

$50k–$100k 2.7%

$100k–$150k 14.8%

$150k–$200k 22.0%

$200k–$300k 28.9%

$300k–$500k 21.8%

$500k–$1M 6.6%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$234,500
Median rent / month	$1,072
Owner occupied	62.7%
Renter occupied	37.3%
Vacant	4.1%
Single-family detached	62.1%
Large apartment buildings	7.1%
Mobile homes	0.0%
Median rooms	6.0
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.4%
2010–2019	7.7%
2000–2009	11.5%
1990–1999	16.2%
1980–1989	16.7%
1970–1979	16.6%
1960–1969	10.1%
1950–1959	15.1%
1940–1949	2.2%
1939 or earlier	3.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	11.3%
2 bedrooms	30.3%
3 bedrooms	36.7%
4 bedrooms	17.2%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	5.0%
1 vehicle	35.7%
2 vehicles	39.4%
3 or more	19.9%

Heating fuel

Fuel type	%
Utility gas	45.4%
Electricity	47.0%
Propane / LP gas	0.9%
Fuel oil	4.9%
Wood	0.3%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	3,995	46.5%
Cohabiting couple	792	9.2%
Male householder, no spouse	1,322	15.4%
Female householder, no spouse	2,476	28.8%
Households with children under 18	2,244	26.1%
Households with seniors (65+)	2,810	32.7%
Average household size	2.36

Marital status

Status	Male	Female
Never married	30.6%	26.3%
Married	55.3%	45.8%
Separated	0.9%	1.4%
Widowed	1.6%	9.9%
Divorced	11.7%	16.6%

Education

Less than 9th grade 2.9%

Some HS, no diploma 5.2%

HS graduate 30.7%

Some college, no degree 19.0%

Associate's degree 10.8%

Bachelor's degree 19.3%

Graduate / professional 12.2%

Metric	%
HS diploma or higher	91.9%
Bachelor's or higher	31.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	370	8.6%
Kindergarten	191	4.4%
Elementary school	2,005	46.5%
High school	744	17.2%
College / grad school	1,004	23.3%

Employment

Industry of employment

Education & healthcare 18.3%

Arts, food & hospitality 14.1%

Manufacturing 13.7%

Retail trade 13.2%

Professional & management 10.8%

Finance & real estate 9.6%

Transportation & utilities 6.9%

Construction 5.3%

Other services 3.1%

Information 2.0%

Public administration 1.7%

Wholesale trade 1.4%

Occupation

Category	%
Management, business & arts	41.9%
Service	14.9%
Sales & office	23.3%
Natural resources & construction	6.1%
Production & transportation	13.7%

Employment type

Type	%
Private sector	88.1%
Government	8.2%
Self-employed	3.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.4%
Carpool	9.3%
Public transit	0.3%
Walk	1.0%
Work from home	10.9%
Other means	0.1%
Avg commute (minutes)	24.2

Poverty

All people 9.3%

Under 18 years 10.5%

18 and over 9.0%

Married-couple families 5.8%

Female-led households 22.4%

Income support

Source	% of households
Social Security	32.2%
Retirement income	26.3%
Supplemental Security	6.4%
Cash public assistance	0.6%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
Obesity	36.3%
High blood pressure	32.3%
High cholesterol	31.6%
Diabetes	9.9%
Heart disease	6.3%
Stroke	2.8%
Asthma	10.2%
Arthritis	26.4%
Kidney disease	2.6%
Pulmonary disease	7.5%
Cancer	6.6%

Behavior / access	%
Smoking	20.1%
Binge drinking	18.3%
No physical activity	25.3%
Less than 7 hrs sleep	34.6%
Depression	24.5%
Fair or poor health	13.2%
Poor mental health	15.8%
Poor physical health	9.6%
No health insurance	10.4%
Visited doctor (checkup)	76.3%
Visited dentist	63.5%
Cholesterol screening	88.8%
Teeth loss	12.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,123	6.9%

Disability	%
Any disability	14.4%
Under 18	2.7%
18–64 years	11.5%
65 and over	35.0%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	36.7%
No insurance	5.6%
Uninsured under 19	3.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,354	95.1%
Spanish	323	1.7%
Other Indo-European	145	0.7%
Asian & Pacific Islander	170	0.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	19,774	97.2%
Born in same state	19,364	95.1%
Born in different state	14,696	72.2%
Foreign born	410	2.0%
Naturalized citizen	578	2.8%
Not a US citizen	230	39.8%

Ancestry

Ancestry	Count	%
Italian	3,001	14.7%
French	2,720	13.4%
Arab	1,167	5.7%
Irish	170	0.8%
Polish	84	0.4%

Ancestry	Count	%
English	73	0.4%
German	46	0.2%
Norwegian	22	0.1%
Dutch	16	0.1%

Technology access

Metric	% of households
Computer access	42.2%
Internet access	92.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 45245

What city is ZIP code 45245 in?

ZIP code 45245 is primarily assigned to Cincinnati, Ohio.

What county is ZIP code 45245 in?

ZIP code 45245 falls within Clermont County, Ohio.

What is the population of ZIP code 45245?

ZIP code 45245 has an estimated population of 20,352 residents, with a density of 1,285 people per square mile.

What is the typical home value in ZIP code 45245?

The median home value in ZIP code 45245 is $234,500.

What is the median household income in ZIP code 45245?

The median household income in ZIP code 45245 is $70,279, below the national median of ~$75,000.

What timezone is ZIP code 45245 in?

ZIP code 45245 observes the EST timezone.