45327 ZIP Code — Germantown, OH

Montgomery County, Ohio

ZIP code 45327 is located in Germantown, Ohio, within Montgomery County. It covers approximately 48.13 square miles and serves a population of 8,916 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45327

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 $176,500. Owner-occupancy is high at 86%, well above the national average.

Median household income is $86,982. 38% 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.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 45327 reflects a community defined by high homeownership and a significant Social Security-dependent population.

8,916

population

48.13

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45327 ZIP code map

Cities in ZIP code 45327

Below are the cities the US Postal Service accepts for ZIP code 45327. Using any city not on this list may result in mail delivery delays.

City	Status
Germantown	Preferred

Nearby ZIP codes

45325 Farmersville (5 mi) 45042 Middletown (6.2 mi) 45342 Miamisburg (6.6 mi) 45345 New Lebanon (7.4 mi) 45005 Franklin (8.4 mi) 45005 Franklin (8.4 mi) 45449 Dayton (8.4 mi) 45381 West Alexandria (9.8 mi) 45439 Dayton (10.3 mi) 45066 Springboro (10.8 mi) 45067 Trenton (11.2 mi) 45417 Dayton (11.4 mi)

Demographics updated 05/2026

Population
Total population	8,916
Population density	185 / sq mi
State FIPS	39
County FIPS	113

Geography
Land area	48.13 sq mi
Water area	0.01 sq mi
Latitude	39.6309
Longitude	-84.3953
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	29.5%	46.3%	43.3%
$50k – $100k	40.4%	30.6%	31.4%
$100k – $200k	27.5%	18.5%	20.0%
Over $200k	2.6%	4.5%	5.2%

Demographics & statistics

8,916

Population

185

People per sq mi

42.8

Median age

$86,982

Median household income

$36,056

Per capita income

$176,500

Median home value

$666

Median monthly rent

86.0%

Home ownership

10.7%

Poverty rate

4.3%

Unemployment

3,304

Housing units

20.9%

Bachelor's or higher

Age distribution

Male Female

312

Under 5

328

280

5–9

295

169

10–14

179

363

15–19

382

314

20–24

331

425

25–34

448

392

35–44

414

633

45–54

666

327

55–59

345

278

60–64

292

497

65–74

524

296

75–84

312

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,096	23.5%
18 and over	6,820	76.5%
65 and over	1,743	19.5%
Median age	42.8 years

Race & ethnicity

White 95.1%

Two or more races 2.9%

Hispanic or Latino 1.5%

Other race 0.3%

Black or African American 0.2%

Asian 0.1%

Group	Count	%
White	8,610	95.1%
Two or more races	261	2.9%
Hispanic or Latino	137	1.5%
Other race	25	0.3%
Black or African American	14	0.2%
Asian	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.5%	46.3%	43.3%
$50k – $100k	40.4%	30.6%	31.4%
$100k – $200k	27.5%	18.5%	20.0%
Over $200k	2.6%	4.5%	5.2%

Under $10k 2.2%

$10k–$15k 3.1%

$15k–$25k 5.7%

$25k–$35k 4.6%

$35k–$50k 10.7%

$50k–$75k 14.8%

$75k–$100k 19.8%

$100k–$150k 27.5%

$150k–$200k 7.6%

$200k+ 4.0%

Range	% of households
Under $10k	2.2%
$10k–$15k	3.1%
$15k–$25k	5.7%
$25k–$35k	4.6%
$35k–$50k	10.7%
$50k–$75k	14.8%
$75k–$100k	19.8%
$100k–$150k	27.5%
$150k–$200k	7.6%
$200k+	4.0%
Median income	$86,982

Housing

Home values

Under $50k 3.3%

$50k–$100k 6.3%

$100k–$150k 22.9%

$150k–$200k 30.9%

$200k–$300k 21.5%

$300k–$500k 10.7%

$500k–$1M 3.5%

$1M+ 1.0%

Housing overview

Metric	Value
Median home value	$176,500
Median rent / month	$666
Owner occupied	86.0%
Renter occupied	14.0%
Vacant	8.6%
Single-family detached	92.0%
Large apartment buildings	3.7%
Mobile homes	1.6%
Median rooms	6.4
Avg household size (owned)	2.68

Year built

Era	%
2020 or later	0.9%
2010–2019	4.3%
2000–2009	12.9%
1990–1999	7.2%
1980–1989	3.6%
1970–1979	17.2%
1960–1969	11.8%
1950–1959	13.8%
1940–1949	3.7%
1939 or earlier	24.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	6.0%
2 bedrooms	12.3%
3 bedrooms	60.1%
4 bedrooms	20.9%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.4%
1 vehicle	20.3%
2 vehicles	37.6%
3 or more	37.7%

Heating fuel

Fuel type	%
Utility gas	56.1%
Electricity	19.6%
Propane / LP gas	14.4%
Fuel oil	4.6%
Wood	2.2%
Solar	0.3%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	1,859	53.7%
Cohabiting couple	323	9.3%
Male householder, no spouse	491	14.2%
Female householder, no spouse	790	22.8%
Households with children under 18	1,191	34.4%
Households with seniors (65+)	1,250	36.1%
Average household size	2.56

Marital status

Status	Male	Female
Never married	28.4%	29.1%
Married	54.1%	47.7%
Separated	2.5%	0.0%
Widowed	3.0%	6.7%
Divorced	12.0%	16.5%

Education

Less than 9th grade 0.6%

Some HS, no diploma 4.0%

HS graduate 40.0%

Some college, no degree 22.9%

Associate's degree 11.5%

Bachelor's degree 13.3%

Graduate / professional 7.6%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	20.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	169	8.7%
Kindergarten	148	7.6%
Elementary school	652	33.5%
High school	545	28.0%
College / grad school	432	22.2%

Employment

Industry of employment

Education & healthcare 22.5%

Manufacturing 17.6%

Construction 12.9%

Retail trade 11.8%

Professional & management 8.8%

Arts, food & hospitality 8.3%

Transportation & utilities 3.9%

Finance & real estate 3.9%

Public administration 3.8%

Other services 3.1%

Information 1.8%

Wholesale trade 1.3%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	33.7%
Service	10.8%
Sales & office	19.6%
Natural resources & construction	14.3%
Production & transportation	21.6%

Employment type

Type	%
Private sector	86.2%
Government	11.5%
Self-employed	2.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.7%
Carpool	4.3%
Public transit	0.0%
Walk	2.3%
Work from home	7.5%
Other means	0.1%
Avg commute (minutes)	24.3

Poverty

All people 10.7%

Under 18 years 15.1%

18 and over 9.3%

Married-couple families 2.7%

Female-led households 25.7%

Income support

Source	% of households
Social Security	37.8%
Retirement income	30.6%
Supplemental Security	2.3%
Cash public assistance	1.2%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
Obesity	37.1%
High blood pressure	33.6%
High cholesterol	33.3%
Diabetes	10.9%
Heart disease	6.9%
Stroke	3.1%
Asthma	10.2%
Arthritis	28.8%
Kidney disease	2.9%
Pulmonary disease	8.7%
Cancer	7.2%

Behavior / access	%
Smoking	21.2%
Binge drinking	18.3%
No physical activity	25.2%
Less than 7 hrs sleep	36.1%
Depression	23.7%
Fair or poor health	14.8%
Poor mental health	16.3%
Poor physical health	10.6%
No health insurance	10.8%
Visited doctor (checkup)	78.3%
Visited dentist	64.8%
Cholesterol screening	89.6%
Teeth loss	13.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	705	10.3%

Disability	%
Any disability	11.8%
Under 18	0.9%
18–64 years	10.7%
65 and over	28.4%

Health insurance coverage

Type	%
Private insurance	73.9%
Public insurance	33.3%
No insurance	5.5%
Uninsured under 19	3.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,276	92.8%
Spanish	8	0.1%
Other Indo-European	8	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,901	99.8%
Born in same state	8,854	99.3%
Born in different state	7,497	84.1%
Foreign born	47	0.5%
Naturalized citizen	15	0.2%
Not a US citizen	15	100.0%

Ancestry

Ancestry	Count	%
French	1,399	15.7%
Italian	1,239	13.9%
Arab	785	8.8%

Ancestry	Count	%
Irish	93	1%
English	76	0.9%
Dutch	19	0.2%

Technology access

Metric	% of households
Computer access	38.8%
Internet access	93.4%

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

Frequently asked questions about ZIP code 45327

What city is ZIP code 45327 in?

ZIP code 45327 is primarily assigned to Germantown, Ohio.

What county is ZIP code 45327 in?

ZIP code 45327 falls within Montgomery County, Ohio.

Is ZIP code 45327 mostly owner-occupied?

86% of occupied units in ZIP code 45327 are owner-occupied, well above the national average.

Does ZIP code 45327 have a large retiree population?

38% of households in ZIP code 45327 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 45327 have a large veteran population?

10% of civilians in ZIP code 45327 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 45327?

The median home value in ZIP code 45327 is $176,500.

What timezone is ZIP code 45327 in?

ZIP code 45327 observes the EST timezone.