45318 ZIP Code — Covington, OH

Miami County, Ohio

ZIP code 45318 is located in Covington, Ohio, within Miami County. It covers approximately 46.86 square miles and serves a population of 5,210 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45318

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $165,100. Owner-occupancy is high at 77%, well above the national average.

Median household income is $61,595. The poverty rate of 6% is below the national average. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Overall, ZIP code 45318 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

5,210

population

46.86

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45318 ZIP code map

Cities in ZIP code 45318

Below are the cities the US Postal Service accepts for ZIP code 45318. Using any city not on this list may result in mail delivery delays.

City	Status
Covington	Preferred

Nearby ZIP codes

45359 Pleasant Hill (5.6 mi) 45356 Piqua (6.9 mi) 45308 Bradford (6.9 mi) 45333 Houston (7.9 mi) 45363 Russia (8.6 mi) 45339 Ludlow Falls (8.7 mi) 45374 Troy (9.5 mi) 45373 Troy (10.6 mi) 45337 Laura (11.2 mi) 45383 West Milton (12 mi) 45380 Versailles (12.6 mi) 45365 Sidney (13.8 mi)

Demographics updated 05/2026

Population
Total population	5,210
Population density	111 / sq mi
State FIPS	39
County FIPS	109

Geography
Land area	46.86 sq mi
Water area	0.31 sq mi
Latitude	40.1315
Longitude	-84.3364
Timezone	Eastern (ET)
Area code	326/937

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	38.3%	43.3%
$50k – $100k	33.6%	36.3%	31.4%
$100k – $200k	18.1%	21.9%	20.0%
Over $200k	3.3%	3.5%	5.2%

Demographics & statistics

5,210

Population

111

People per sq mi

50.1

Median age

$61,595

Median household income

$33,134

Per capita income

$165,100

Median home value

$719

Median monthly rent

76.6%

Home ownership

5.9%

Poverty rate

3.4%

Unemployment

1,929

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

148

Under 5

166

102

5–9

114

128

10–14

142

15–19

20–24

307

25–34

342

277

35–44

308

331

45–54

369

256

55–59

286

143

60–64

160

295

65–74

328

279

75–84

311

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	928	17.8%
18 and over	4,282	82.2%
65 and over	1,320	25.3%
Median age	50.1 years

Race & ethnicity

White 98.5%

Two or more races 0.7%

Black or African American 0.6%

Hispanic or Latino 0.1%

Group	Count	%
White	5,138	98.5%
Two or more races	39	0.7%
Black or African American	33	0.6%
Hispanic or Latino	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	38.3%	43.3%
$50k – $100k	33.6%	36.3%	31.4%
$100k – $200k	18.1%	21.9%	20.0%
Over $200k	3.3%	3.5%	5.2%

Under $10k 1.1%

$10k–$15k 1.1%

$15k–$25k 10.9%

$25k–$35k 9.1%

$35k–$50k 16.9%

$50k–$75k 19.5%

$75k–$100k 18.6%

$100k–$150k 16.0%

$150k–$200k 4.3%

$200k+ 2.5%

Range	% of households
Under $10k	1.1%
$10k–$15k	1.1%
$15k–$25k	10.9%
$25k–$35k	9.1%
$35k–$50k	16.9%
$50k–$75k	19.5%
$75k–$100k	18.6%
$100k–$150k	16.0%
$150k–$200k	4.3%
$200k+	2.5%
Median income	$61,595

Housing

Home values

Under $50k 3.3%

$50k–$100k 13.4%

$100k–$150k 27.7%

$150k–$200k 18.0%

$200k–$300k 27.7%

$300k–$500k 5.9%

$500k–$1M 3.0%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$165,100
Median rent / month	$719
Owner occupied	76.6%
Renter occupied	23.4%
Vacant	9.1%
Single-family detached	84.3%
Large apartment buildings	1.1%
Mobile homes	3.6%
Median rooms	6.2
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	0.0%
2010–2019	1.9%
2000–2009	4.7%
1990–1999	7.7%
1980–1989	4.0%
1970–1979	18.8%
1960–1969	7.7%
1950–1959	8.8%
1940–1949	7.3%
1939 or earlier	39.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	2.6%
2 bedrooms	29.0%
3 bedrooms	48.7%
4 bedrooms	17.0%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	26.4%
2 vehicles	47.1%
3 or more	22.8%

Heating fuel

Fuel type	%
Utility gas	33.7%
Electricity	34.3%
Propane / LP gas	16.3%
Fuel oil	9.7%
Wood	4.6%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	1,193	53.6%
Cohabiting couple	100	4.5%
Male householder, no spouse	387	17.4%
Female householder, no spouse	547	24.6%
Households with children under 18	448	20.1%
Households with seniors (65+)	908	40.8%
Average household size	2.31

Marital status

Status	Male	Female
Never married	21.7%	12.6%
Married	61.4%	55.0%
Separated	0.9%	0.0%
Widowed	4.0%	15.1%
Divorced	12.0%	17.3%

Education

Less than 9th grade 3.6%

Some HS, no diploma 5.0%

HS graduate 47.6%

Some college, no degree 18.6%

Associate's degree 11.2%

Bachelor's degree 8.5%

Graduate / professional 5.5%

Metric	%
HS diploma or higher	91.4%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	108	12.9%
Kindergarten	33	3.9%
Elementary school	380	45.3%
High school	144	17.2%
College / grad school	174	20.7%

Employment

Industry of employment

Manufacturing 30.4%

Education & healthcare 19.3%

Other services 10.1%

Retail trade 8.4%

Professional & management 6.5%

Wholesale trade 5.4%

Construction 5.2%

Transportation & utilities 4.6%

Arts, food & hospitality 3.3%

Agriculture & mining 2.4%

Finance & real estate 2.4%

Public administration 1.7%

Information 0.4%

Occupation

Category	%
Management, business & arts	26.8%
Service	20.2%
Sales & office	16.2%
Natural resources & construction	7.1%
Production & transportation	29.7%

Employment type

Type	%
Private sector	85.0%
Government	7.1%
Self-employed	7.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.3%
Carpool	9.9%
Public transit	0.0%
Walk	0.8%
Work from home	8.7%
Other means	1.2%
Avg commute (minutes)	22.5

Poverty

All people 5.9%

Under 18 years 11.0%

18 and over 4.8%

Married-couple families 3.0%

Female-led households 17.4%

Income support

Source	% of households
Social Security	38.4%
Retirement income	27.4%
Supplemental Security	4.4%
Cash public assistance	1.4%
Food stamps / SNAP	8.2%

Health indicators

Condition	%
Obesity	35.7%
High blood pressure	35.3%
High cholesterol	33.3%
Diabetes	11.7%
Heart disease	8.1%
Stroke	3.6%
Asthma	10.1%
Arthritis	29.9%
Kidney disease	3.2%
Pulmonary disease	9.9%
Cancer	7.5%

Behavior / access	%
Smoking	25.0%
Binge drinking	18.1%
No physical activity	28.6%
Less than 7 hrs sleep	36.1%
Depression	24.6%
Fair or poor health	16.0%
Poor mental health	16.8%
Poor physical health	11.5%
No health insurance	12.8%
Visited doctor (checkup)	73.7%
Visited dentist	60.6%
Cholesterol screening	88.2%
Teeth loss	16.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	204	4.8%

Disability	%
Any disability	14.2%
Under 18	1.1%
18–64 years	12.4%
65 and over	28.0%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	36.4%
No insurance	7.6%
Uninsured under 19	8.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,896	94.0%
Spanish	15	0.3%
Other Indo-European	15	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,203	99.9%
Born in same state	5,195	99.7%
Born in different state	4,462	85.6%
Foreign born	8	0.2%
Naturalized citizen	7	0.1%
Not a US citizen	7	100.0%

Ancestry

Ancestry	Count	%
Italian	586	11.2%
French	504	9.7%
Arab	405	7.8%

Ancestry	Count	%
English	54	1%
German	35	0.7%
Irish	17	0.3%

Technology access

Metric	% of households
Computer access	42.7%
Internet access	91.7%

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

Frequently asked questions about ZIP code 45318

What city is ZIP code 45318 in?

ZIP code 45318 is primarily assigned to Covington, Ohio.

What county is ZIP code 45318 in?

ZIP code 45318 falls within Miami County, Ohio.

Does ZIP code 45318 have an older population?

25% of residents in ZIP code 45318 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 45318?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 45318 have a large retiree population?

38% of households in ZIP code 45318 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 45318?

The median home value in ZIP code 45318 is $165,100.

What timezone is ZIP code 45318 in?

ZIP code 45318 observes the EST timezone.