45140 ZIP Code — Loveland, OH

Clermont County, Ohio

ZIP code 45140 is located in Loveland, Ohio, within Clermont County. It covers approximately 44.09 square miles and serves a population of 55,364 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 513.

About ZIP code 45140

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $315,400. Owner-occupancy is high at 79%, well above the national average.

The gap between median ($104,422) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 45140 reflects a community defined by a highly educated population and high homeownership.

55,364

population

44.09

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45140 ZIP code map

Cities in ZIP code 45140

Below are the cities the US Postal Service accepts for ZIP code 45140. Using any city not on this list may result in mail delivery delays.

City	Status
Loveland	Acceptable
Loveland	Preferred

Nearby ZIP codes

45111 Camp Dennison (4.5 mi) 45249 Cincinnati (4.8 mi) 45039 Maineville (5.1 mi) 45039 Maineville (5.1 mi) 45242 Cincinnati (5.7 mi) 45150 Milford (6.4 mi) 45034 Kings Mills (7.2 mi) 45040 Mason (7.4 mi) 45243 Cincinnati (7.4 mi) 45122 Goshen (7.4 mi) 45174 Terrace Park (7.6 mi) 45241 Cincinnati (8.2 mi)

Demographics updated 05/2026

Population
Total population	55,364
Population density	1,256 / sq mi
State FIPS	39
County FIPS	025

Geography
Land area	44.09 sq mi
Water area	0.62 sq mi
Latitude	39.2553
Longitude	-84.2435
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	24.6%	33.6%	43.3%
$50k – $100k	27.0%	32.3%	31.4%
$100k – $200k	34.1%	26.8%	20.0%
Over $200k	14.3%	7.4%	5.2%

Demographics & statistics

55,364

Population

1,256

People per sq mi

40.2

Median age

$104,422

Median household income

$51,857

Per capita income

$315,400

Median home value

$1,300

Median monthly rent

79.4%

Home ownership

5.0%

Poverty rate

3.5%

Unemployment

17,492

Housing units

50.3%

Bachelor's or higher

Age distribution

Male Female

1,563

Under 5

1,576

1,948

5–9

1,964

2,107

10–14

2,124

1,956

15–19

1,972

1,126

20–24

1,136

3,054

25–34

3,079

3,524

35–44

3,552

3,887

45–54

3,918

1,982

55–59

1,998

1,921

60–64

1,936

3,130

65–74

3,156

1,120

75–84

1,129

252

85+

254

← Male

Female →

Age summary

Group	Count	%
Under 18	13,953	25.2%
18 and over	41,411	74.8%
65 and over	9,041	16.3%
Median age	40.2 years

Race & ethnicity

White 87.1%

Two or more races 3.9%

Asian 2.9%

Hispanic or Latino 2.6%

Black or African American 2.3%

Other race 1%

American Indian / Alaska Native 0.3%

Group	Count	%
White	49,481	87.1%
Two or more races	2,203	3.9%
Asian	1,642	2.9%
Hispanic or Latino	1,463	2.6%
Black or African American	1,319	2.3%
Other race	556	1%
American Indian / Alaska Native	163	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.6%	33.6%	43.3%
$50k – $100k	27.0%	32.3%	31.4%
$100k – $200k	34.1%	26.8%	20.0%
Over $200k	14.3%	7.4%	5.2%

Under $10k 2.3%

$10k–$15k 1.8%

$15k–$25k 3.6%

$25k–$35k 4.4%

$35k–$50k 9.2%

$50k–$75k 12.5%

$75k–$100k 13.3%

$100k–$150k 19.9%

$150k–$200k 14.5%

$200k+ 18.6%

Range	% of households
Under $10k	2.3%
$10k–$15k	1.8%
$15k–$25k	3.6%
$25k–$35k	4.4%
$35k–$50k	9.2%
$50k–$75k	12.5%
$75k–$100k	13.3%
$100k–$150k	19.9%
$150k–$200k	14.5%
$200k+	18.6%
Median income	$104,422

Housing

Home values

Under $50k 3.9%

$50k–$100k 2.1%

$100k–$150k 6.2%

$150k–$200k 12.6%

$200k–$300k 21.7%

$300k–$500k 37.5%

$500k–$1M 15.4%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$315,400
Median rent / month	$1,300
Owner occupied	79.4%
Renter occupied	20.6%
Vacant	3.8%
Single-family detached	76.4%
Large apartment buildings	3.5%
Mobile homes	2.8%
Median rooms	7.1
Avg household size (owned)	2.73

Year built

Era	%
2020 or later	0.7%
2010–2019	10.6%
2000–2009	13.3%
1990–1999	27.5%
1980–1989	16.5%
1970–1979	12.1%
1960–1969	6.0%
1950–1959	7.7%
1940–1949	1.4%
1939 or earlier	4.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	6.5%
2 bedrooms	17.4%
3 bedrooms	35.6%
4 bedrooms	32.5%
5+ bedrooms	7.5%

Vehicles per household

Vehicles	% of households
No vehicle	3.4%
1 vehicle	21.2%
2 vehicles	47.9%
3 or more	27.5%

Heating fuel

Fuel type	%
Utility gas	52.3%
Electricity	39.0%
Propane / LP gas	2.8%
Fuel oil	4.4%
Wood	0.8%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	13,199	62.9%
Cohabiting couple	1,257	6.0%
Male householder, no spouse	2,741	13.1%
Female householder, no spouse	3,795	18.1%
Households with children under 18	7,171	34.2%
Households with seniors (65+)	6,215	29.6%
Average household size	2.62

Marital status

Status	Male	Female
Never married	25.1%	21.8%
Married	64.3%	58.5%
Separated	0.9%	1.2%
Widowed	1.3%	8.3%
Divorced	8.4%	10.0%

Education

Less than 9th grade 1.0%

Some HS, no diploma 2.5%

HS graduate 19.8%

Some college, no degree 18.4%

Associate's degree 7.9%

Bachelor's degree 30.7%

Graduate / professional 19.6%

Metric	%
HS diploma or higher	96.5%
Bachelor's or higher	50.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	838	5.9%
Kindergarten	995	7.0%
Elementary school	6,101	42.8%
High school	3,804	26.7%
College / grad school	2,504	17.6%

Employment

Industry of employment

Education & healthcare 21.3%

Manufacturing 14.3%

Retail trade 12.7%

Professional & management 12.1%

Finance & real estate 9.7%

Arts, food & hospitality 8.0%

Construction 6.5%

Transportation & utilities 4.2%

Other services 3.7%

Wholesale trade 3.1%

Public administration 2.5%

Information 1.9%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	54.3%
Service	10.8%
Sales & office	19.9%
Natural resources & construction	5.8%
Production & transportation	9.1%

Employment type

Type	%
Private sector	84.8%
Government	8.8%
Self-employed	6.2%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	78.9%
Carpool	4.0%
Public transit	0.2%
Walk	0.9%
Work from home	15.1%
Other means	0.9%
Avg commute (minutes)	27.2

Poverty

All people 5.0%

Under 18 years 6.1%

18 and over 4.6%

Married-couple families 2.2%

Female-led households 14.4%

Income support

Source	% of households
Social Security	27.4%
Retirement income	25.4%
Supplemental Security	2.8%
Cash public assistance	2.2%
Food stamps / SNAP	4.2%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	28.8%
High cholesterol	29.8%
Diabetes	8.6%
Heart disease	5.2%
Stroke	2.3%
Asthma	9.5%
Arthritis	23.6%
Kidney disease	2.3%
Pulmonary disease	6.0%
Cancer	6.2%

Behavior / access	%
Smoking	17.4%
Binge drinking	19.2%
No physical activity	20.6%
Less than 7 hrs sleep	33.9%
Depression	23.1%
Fair or poor health	10.6%
Poor mental health	14.6%
Poor physical health	8.2%
No health insurance	9.0%
Visited doctor (checkup)	76.1%
Visited dentist	70.2%
Cholesterol screening	90.5%
Teeth loss	9.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,721	6.6%

Disability	%
Any disability	9.2%
Under 18	3.9%
18–64 years	8.2%
65 and over	21.8%

Health insurance coverage

Type	%
Private insurance	82.0%
Public insurance	27.0%
No insurance	2.5%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	52,225	94.3%
Spanish	932	1.8%
Other Indo-European	196	0.4%
Asian & Pacific Islander	483	0.9%
Other languages	215	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	52,686	95.2%
Born in same state	52,390	94.6%
Born in different state	36,434	65.8%
Foreign born	296	0.5%
Naturalized citizen	2,678	4.8%
Not a US citizen	1,448	54.1%

Ancestry

Ancestry	Count	%
Italian	8,637	15.6%
French	7,875	14.2%
Arab	2,863	5.2%
English	432	0.8%
Polish	295	0.5%

Ancestry	Count	%
Irish	246	0.4%
Dutch	196	0.4%
Norwegian	129	0.2%
German	124	0.2%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	97.6%

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

Frequently asked questions about ZIP code 45140

What part of Loveland is ZIP code 45140?

ZIP code 45140 covers a portion of Loveland, Ohio, within Clermont County.

What county is ZIP code 45140 in?

ZIP code 45140 falls within Clermont County, Ohio.

How educated is the population of ZIP code 45140?

50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 45140?

The median home value in ZIP code 45140 is $315,400.

What is the median household income in ZIP code 45140?

The median household income in ZIP code 45140 is $104,422, above the national median of ~$75,000.

What is the population of ZIP code 45140?

ZIP code 45140 has an estimated population of 55,364 residents, with a density of 1,256 people per square mile.

What timezone is ZIP code 45140 in?

ZIP code 45140 observes the EST timezone.