45320 ZIP Code — Eaton, OH

Preble County, Ohio

ZIP code 45320 is located in Eaton, Ohio, within Preble County. It covers approximately 134.01 square miles and serves a population of 15,525 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937/513.

About ZIP code 45320

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 $160,800. Owner-occupancy is high at 77%, well above the national average.

Median household income is $64,828. 36% 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 23% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 45320 reflects a community defined by high homeownership and a significant Social Security-dependent population.

15,525

population

134.01

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45320 ZIP code map

Cities in ZIP code 45320

Below are the cities the US Postal Service accepts for ZIP code 45320. Using any city not on this list may result in mail delivery delays.

City	Status
Eaton	Preferred

Nearby ZIP codes

45381 West Alexandria (7.6 mi) 45311 Camden (8 mi) 45338 Lewisburg (8.7 mi) 45321 Eldorado (9.1 mi) 45347 New Paris (11 mi) 45382 West Manchester (11.6 mi) 45003 College Corner (12.3 mi) 45064 Somerville (12.6 mi) 45325 Farmersville (13.9 mi) 47374 Richmond (14.4 mi) 45345 New Lebanon (14.4 mi) 45309 Brookville (15.4 mi)

Demographics updated 05/2026

Population
Total population	15,525
Population density	116 / sq mi
State FIPS	39
County FIPS	135

Geography
Land area	134.01 sq mi
Water area	0.40 sq mi
Latitude	39.7413
Longitude	-84.6707
Timezone	Eastern (ET)
Area code	326/937/513

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.0%	40.4%	43.3%
$50k – $100k	36.0%	38.2%	31.4%
$100k – $200k	22.2%	19.0%	20.0%
Over $200k	1.8%	2.4%	5.2%

Demographics & statistics

15,525

Population

116

People per sq mi

43.7

Median age

$64,828

Median household income

$33,673

Per capita income

$160,800

Median home value

$812

Median monthly rent

77.1%

Home ownership

8.8%

Poverty rate

2.9%

Unemployment

5,538

Housing units

22.7%

Bachelor's or higher

Age distribution

Male Female

333

Under 5

349

590

5–9

617

598

10–14

626

391

15–19

410

337

20–24

352

832

25–34

872

856

35–44

897

902

45–54

945

760

55–59

795

400

60–64

418

988

65–74

1,035

441

75–84

462

156

85+

163

← Male

Female →

Age summary

Group	Count	%
Under 18	3,697	23.8%
18 and over	11,828	76.2%
65 and over	3,245	20.9%
Median age	43.7 years

Race & ethnicity

White 93.3%

Two or more races 3.1%

Hispanic or Latino 1.6%

Other race 0.8%

Black or African American 0.8%

Asian 0.3%

American Indian / Alaska Native 0.1%

Group	Count	%
White	14,714	93.3%
Two or more races	491	3.1%
Hispanic or Latino	246	1.6%
Other race	126	0.8%
Black or African American	124	0.8%
Asian	55	0.3%
American Indian / Alaska Native	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.0%	40.4%	43.3%
$50k – $100k	36.0%	38.2%	31.4%
$100k – $200k	22.2%	19.0%	20.0%
Over $200k	1.8%	2.4%	5.2%

Under $10k 4.6%

$10k–$15k 4.6%

$15k–$25k 8.3%

$25k–$35k 8.1%

$35k–$50k 13.1%

$50k–$75k 20.1%

$75k–$100k 12.2%

$100k–$150k 16.5%

$150k–$200k 8.5%

$200k+ 4.1%

Range	% of households
Under $10k	4.6%
$10k–$15k	4.6%
$15k–$25k	8.3%
$25k–$35k	8.1%
$35k–$50k	13.1%
$50k–$75k	20.1%
$75k–$100k	12.2%
$100k–$150k	16.5%
$150k–$200k	8.5%
$200k+	4.1%
Median income	$64,828

Housing

Home values

Under $50k 5.5%

$50k–$100k 13.8%

$100k–$150k 25.2%

$150k–$200k 21.9%

$200k–$300k 21.2%

$300k–$500k 8.0%

$500k–$1M 3.6%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$160,800
Median rent / month	$812
Owner occupied	77.1%
Renter occupied	22.9%
Vacant	7.5%
Single-family detached	85.8%
Large apartment buildings	1.0%
Mobile homes	1.2%
Median rooms	6.0
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	0.1%
2010–2019	4.7%
2000–2009	12.9%
1990–1999	19.4%
1980–1989	12.1%
1970–1979	15.3%
1960–1969	4.9%
1950–1959	6.6%
1940–1949	3.2%
1939 or earlier	20.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	4.8%
2 bedrooms	25.9%
3 bedrooms	52.5%
4 bedrooms	12.1%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	5.3%
1 vehicle	28.8%
2 vehicles	39.2%
3 or more	26.6%

Heating fuel

Fuel type	%
Utility gas	32.7%
Electricity	40.8%
Propane / LP gas	15.7%
Fuel oil	4.6%
Wood	3.1%
Solar	0.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	3,233	49.7%
Cohabiting couple	596	9.2%
Male householder, no spouse	980	15.1%
Female householder, no spouse	1,691	26.0%
Households with children under 18	2,000	30.8%
Households with seniors (65+)	2,264	34.8%
Average household size	2.34

Marital status

Status	Male	Female
Never married	24.4%	18.9%
Married	55.8%	52.3%
Separated	0.7%	2.3%
Widowed	3.8%	12.3%
Divorced	15.4%	14.3%

Education

Less than 9th grade 1.2%

Some HS, no diploma 5.3%

HS graduate 41.5%

Some college, no degree 21.1%

Associate's degree 8.2%

Bachelor's degree 13.4%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	22.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	170	5.2%
Kindergarten	158	4.9%
Elementary school	1,727	53.2%
High school	796	24.5%
College / grad school	395	12.2%

Employment

Industry of employment

Education & healthcare 24.7%

Manufacturing 24.5%

Retail trade 7.7%

Arts, food & hospitality 6.3%

Other services 6.2%

Professional & management 5.7%

Construction 5.6%

Transportation & utilities 5.1%

Public administration 5.1%

Finance & real estate 4.3%

Agriculture & mining 1.8%

Wholesale trade 1.8%

Information 1.1%

Occupation

Category	%
Management, business & arts	34.3%
Service	14.3%
Sales & office	20.6%
Natural resources & construction	8.3%
Production & transportation	22.4%

Employment type

Type	%
Private sector	84.5%
Government	11.8%
Self-employed	3.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	89.1%
Carpool	5.7%
Public transit	0.1%
Walk	0.6%
Work from home	4.2%
Other means	0.4%
Avg commute (minutes)	23.5

Poverty

All people 8.8%

Under 18 years 9.4%

18 and over 8.6%

Married-couple families 3.1%

Female-led households 29.2%

Income support

Source	% of households
Social Security	36.4%
Retirement income	24.3%
Supplemental Security	2.9%
Cash public assistance	1.7%
Food stamps / SNAP	9.0%

Health indicators

Condition	%
Obesity	38.0%
High blood pressure	34.5%
High cholesterol	32.8%
Diabetes	11.8%
Heart disease	7.7%
Stroke	3.5%
Asthma	10.1%
Arthritis	29.9%
Kidney disease	3.1%
Pulmonary disease	9.4%
Cancer	7.4%

Behavior / access	%
Smoking	22.6%
Binge drinking	16.5%
No physical activity	27.4%
Less than 7 hrs sleep	35.8%
Depression	24.0%
Fair or poor health	15.7%
Poor mental health	16.3%
Poor physical health	11.2%
No health insurance	11.7%
Visited doctor (checkup)	76.5%
Visited dentist	64.3%
Cholesterol screening	88.7%
Teeth loss	15.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,014	8.6%

Disability	%
Any disability	14.0%
Under 18	6.1%
18–64 years	9.8%
65 and over	35.5%

Health insurance coverage

Type	%
Private insurance	75.9%
Public insurance	33.1%
No insurance	3.7%
Uninsured under 19	1.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,843	95.6%
Spanish	47	0.3%
Other Indo-European	11	0.1%
Asian & Pacific Islander	8	0.1%
Other languages	17	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	15,363	99.0%
Born in same state	15,262	98.3%
Born in different state	11,313	72.9%
Foreign born	101	0.7%
Naturalized citizen	162	1.0%
Not a US citizen	118	72.8%

Ancestry

Ancestry	Count	%
French	1,699	10.9%
Italian	1,524	9.8%
Arab	1,411	9.1%
English	163	1%

Ancestry	Count	%
Irish	77	0.5%
Norwegian	47	0.3%
Polish	33	0.2%

Technology access

Metric	% of households
Computer access	41.9%
Internet access	92.3%

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

Frequently asked questions about ZIP code 45320

What city is ZIP code 45320 in?

ZIP code 45320 is primarily assigned to Eaton, Ohio.

What county is ZIP code 45320 in?

ZIP code 45320 falls within Preble County, Ohio.

Does ZIP code 45320 have a large retiree population?

36% of households in ZIP code 45320 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 45320?

The median home value in ZIP code 45320 is $160,800.

What is the population of ZIP code 45320?

ZIP code 45320 has an estimated population of 15,525 residents, with a density of 116 people per square mile.

What is the median household income in ZIP code 45320?

The median household income in ZIP code 45320 is $64,828, below the national median of ~$75,000.

What timezone is ZIP code 45320 in?

ZIP code 45320 observes the EST timezone.