45005 ZIP Code — Franklin, OH

Warren County, Ohio

ZIP code 45005 is located in Franklin, Ohio, within Warren County. It covers approximately 36.64 square miles and serves a population of 31,739 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 937/513.

About ZIP code 45005

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $180,100. Owner-occupancy sits near the national average at 73%.

Median household income is $70,385. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

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

Overall, ZIP code 45005 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

31,739

population

36.64

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45005 ZIP code map

Cities in ZIP code 45005

Below are the cities the US Postal Service accepts for ZIP code 45005. Using any city not on this list may result in mail delivery delays.

City	Status
Franklin	Acceptable
Franklin	Preferred

Nearby ZIP codes

45066 Springboro (4.6 mi) 45066 Springboro (4.6 mi) 45050 Monroe (6.7 mi) 45050 Monroe (6.7 mi) 45044 Middletown (6.9 mi) 45044 Middletown (6.9 mi) 45044 Middletown (6.9 mi) 45044 Middletown (6.9 mi) 45042 Middletown (7.1 mi) 45042 Middletown (7.1 mi) 45036 Lebanon (7.4 mi) 45036 Lebanon (7.4 mi)

Demographics updated 05/2026

Population
Total population	31,739
Population density	866 / sq mi
State FIPS	39
County FIPS	165

Geography
Land area	36.64 sq mi
Water area	0.58 sq mi
Latitude	39.5312
Longitude	-84.3067
Timezone	Eastern (ET)
Area code	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	40.5%	24.5%	43.3%
$50k – $100k	35.1%	30.8%	31.4%
$100k – $200k	22.0%	30.8%	20.0%
Over $200k	2.4%	14.0%	5.2%

Demographics & statistics

31,739

Population

866

People per sq mi

39.7

Median age

$70,385

Median household income

$35,023

Per capita income

$180,100

Median home value

$953

Median monthly rent

72.5%

Home ownership

11.0%

Poverty rate

3.3%

Unemployment

9,870

Housing units

17.6%

Bachelor's or higher

Age distribution

Male Female

706

Under 5

684

951

5–9

922

10–14

895

1,279

15–19

1,241

1,428

20–24

1,385

1,886

25–34

1,830

1,720

35–44

1,668

2,345

45–54

2,274

1,000

55–59

970

1,189

60–64

1,153

1,533

65–74

1,487

783

75–84

760

370

85+

358

← Male

Female →

Age summary

Group	Count	%
Under 18	6,480	20.4%
18 and over	25,259	79.6%
65 and over	5,291	16.7%
Median age	39.7 years

Race & ethnicity

White 90.7%

Two or more races 3.6%

Asian 2.3%

Hispanic or Latino 1.4%

Other race 1.1%

Black or African American 0.8%

American Indian / Alaska Native 0.1%

Group	Count	%
White	29,212	90.7%
Two or more races	1,149	3.6%
Asian	737	2.3%
Hispanic or Latino	463	1.4%
Other race	345	1.1%
Black or African American	264	0.8%
American Indian / Alaska Native	32	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.5%	24.5%	43.3%
$50k – $100k	35.1%	30.8%	31.4%
$100k – $200k	22.0%	30.8%	20.0%
Over $200k	2.4%	14.0%	5.2%

Under $10k 4.0%

$10k–$15k 3.1%

$15k–$25k 6.6%

$25k–$35k 9.2%

$35k–$50k 13.0%

$50k–$75k 15.7%

$75k–$100k 15.0%

$100k–$150k 19.9%

$150k–$200k 8.1%

$200k+ 5.2%

Range	% of households
Under $10k	4.0%
$10k–$15k	3.1%
$15k–$25k	6.6%
$25k–$35k	9.2%
$35k–$50k	13.0%
$50k–$75k	15.7%
$75k–$100k	15.0%
$100k–$150k	19.9%
$150k–$200k	8.1%
$200k+	5.2%
Median income	$70,385

Housing

Home values

Under $50k 3.1%

$50k–$100k 12.7%

$100k–$150k 18.2%

$150k–$200k 24.0%

$200k–$300k 27.1%

$300k–$500k 13.5%

$500k–$1M 1.2%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$180,100
Median rent / month	$953
Owner occupied	72.5%
Renter occupied	27.5%
Vacant	5.7%
Single-family detached	78.2%
Large apartment buildings	3.4%
Mobile homes	0.7%
Median rooms	5.8
Avg household size (owned)	2.64

Year built

Era	%
2020 or later	0.5%
2010–2019	3.7%
2000–2009	15.6%
1990–1999	10.8%
1980–1989	7.2%
1970–1979	15.9%
1960–1969	17.8%
1950–1959	14.6%
1940–1949	3.8%
1939 or earlier	10.0%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	7.0%
2 bedrooms	23.6%
3 bedrooms	50.4%
4 bedrooms	13.4%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	5.9%
1 vehicle	29.0%
2 vehicles	38.0%
3 or more	27.0%

Heating fuel

Fuel type	%
Utility gas	57.5%
Electricity	34.3%
Propane / LP gas	2.6%
Fuel oil	3.6%
Wood	0.4%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	6,609	52.6%
Cohabiting couple	955	7.6%
Male householder, no spouse	2,070	16.5%
Female householder, no spouse	2,934	23.3%
Households with children under 18	3,509	27.9%
Households with seniors (65+)	3,643	29.0%
Average household size	2.50

Marital status

Status	Male	Female
Never married	34.1%	24.4%
Married	52.4%	51.2%
Separated	0.5%	1.5%
Widowed	2.8%	11.6%
Divorced	10.2%	11.2%

Education

Less than 9th grade 3.1%

Some HS, no diploma 7.6%

HS graduate 40.5%

Some college, no degree 21.2%

Associate's degree 10.0%

Bachelor's degree 10.7%

Graduate / professional 6.9%

Metric	%
HS diploma or higher	89.3%
Bachelor's or higher	17.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	434	6.5%
Kindergarten	478	7.1%
Elementary school	2,698	40.2%
High school	1,852	27.6%
College / grad school	1,251	18.6%

Employment

Industry of employment

Manufacturing 19.4%

Education & healthcare 19.1%

Retail trade 14.0%

Professional & management 8.3%

Arts, food & hospitality 7.8%

Construction 6.6%

Transportation & utilities 6.4%

Other services 6.4%

Finance & real estate 4.5%

Public administration 3.8%

Wholesale trade 2.0%

Information 1.6%

Occupation

Category	%
Management, business & arts	28.5%
Service	16.8%
Sales & office	21.3%
Natural resources & construction	11.5%
Production & transportation	22.0%

Employment type

Type	%
Private sector	83.4%
Government	11.7%
Self-employed	4.7%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	84.3%
Carpool	8.0%
Public transit	0.1%
Walk	0.8%
Work from home	6.0%
Other means	0.9%
Avg commute (minutes)	23.3

Poverty

All people 11.0%

Under 18 years 16.5%

18 and over 9.6%

Married-couple families 4.1%

Female-led households 23.1%

Income support

Source	% of households
Social Security	35.9%
Retirement income	26.1%
Supplemental Security	6.0%
Cash public assistance	1.4%
Food stamps / SNAP	9.5%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	32.8%
High cholesterol	32.9%
Diabetes	10.9%
Heart disease	7.2%
Stroke	3.3%
Asthma	10.3%
Arthritis	28.1%
Kidney disease	2.9%
Pulmonary disease	9.3%
Cancer	6.8%

Behavior / access	%
Smoking	23.4%
Binge drinking	16.7%
No physical activity	25.6%
Less than 7 hrs sleep	35.8%
Depression	24.7%
Fair or poor health	15.4%
Poor mental health	17.0%
Poor physical health	11.0%
No health insurance	12.7%
Visited doctor (checkup)	76.5%
Visited dentist	63.3%
Cholesterol screening	88.0%
Teeth loss	16.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,066	8.2%

Disability	%
Any disability	18.5%
Under 18	7.6%
18–64 years	15.4%
65 and over	43.8%

Health insurance coverage

Type	%
Private insurance	73.4%
Public insurance	33.9%
No insurance	5.3%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	30,349	95.6%
Spanish	470	1.5%
Other Indo-European	76	0.3%
Asian & Pacific Islander	266	0.9%
Other languages	128	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	30,926	97.4%
Born in same state	30,826	97.1%
Born in different state	24,046	75.8%
Foreign born	100	0.3%
Naturalized citizen	813	2.6%
Not a US citizen	269	33.1%

Ancestry

Ancestry	Count	%
Italian	4,307	13.6%
French	3,729	11.7%
Arab	2,994	9.4%
English	305	1%

Ancestry	Count	%
Irish	192	0.6%
Polish	77	0.2%
German	59	0.2%
Dutch	53	0.2%

Technology access

Metric	% of households
Computer access	39.6%
Internet access	94.1%

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

Frequently asked questions about ZIP code 45005

What city is ZIP code 45005 in?

ZIP code 45005 is primarily assigned to Franklin, Ohio.

What county is ZIP code 45005 in?

ZIP code 45005 falls within Warren County, Ohio.

Does ZIP code 45005 have a large retiree population?

36% of households in ZIP code 45005 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 45005?

The median home value in ZIP code 45005 is $180,100.

What is the population of ZIP code 45005?

ZIP code 45005 has an estimated population of 31,739 residents, with a density of 866 people per square mile.

What is the median household income in ZIP code 45005?

The median household income in ZIP code 45005 is $70,385, below the national median of ~$75,000.

What timezone is ZIP code 45005 in?

ZIP code 45005 observes the EST timezone.