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Ohio ZIP Codes
Montgomery County
Phillipsburg, OH
45354
45354 ZIP Code — Phillipsburg, OH
Montgomery County, Ohio
ZIP code 45354 is located in
Phillipsburg ,
Ohio ,
within Montgomery County .
It covers approximately 0.90 square miles and serves a population of
632 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 326/937 .
About ZIP code 45354
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 $122,300. Owner-occupancy sits near the national average at 70%.
Median household income is $59,375. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is service, with manufacturing as the leading industry. The average commute of 25 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 (21%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 18% of civilians, above the national average of 7%.
Overall, ZIP code 45354 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.
45354 ZIP code map
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Cities in ZIP code 45354
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Demographics
updated 05/2026
Population
Total population
632
Population density
702 / sq mi
State FIPS
39
County FIPS
113
Geography
Land area
0.90 sq mi
Water area
0.00 sq mi
Latitude
39.9046
Longitude
-84.4018
Timezone
Eastern (ET)
Area code
326/937
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
48.3%
46.3%
43.3%
$50k – $100k
27.6%
30.6%
31.4%
$100k – $200k
24.1%
18.5%
20.0%
Over $200k
0.0%
4.5%
5.2%
Demographics & statistics
$59,375
Median household income
$122,300
Median home value
13.9%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 127 20.1% 18 and over 505 79.9% 65 and over 195 30.9% Median age 46.4 years
Race & ethnicity
Group Count % White 631 99.8% Two or more races 1 0.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
48.3%
46.3%
43.3%
$50k – $100k
27.6%
30.6%
31.4%
$100k – $200k
24.1%
18.5%
20.0%
Over $200k
0.0%
4.5%
5.2%
Range % of households Under $10k 5.6% $10k–$15k 2.2% $15k–$25k 18.1% $25k–$35k 11.9% $35k–$50k 9.3% $50k–$75k 7.8% $75k–$100k 15.6% $100k–$150k 17.0% $150k–$200k 9.6% $200k+ 3.0% Median income $59,375
Housing
Housing overview
Metric Value Median home value $122,300 Median rent / month $0 Owner occupied 69.6% Renter occupied 30.4% Vacant 18.2% Single-family detached 93.6% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 5.7 Avg household size (owned) 2.31
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 4.8% 1990–1999 0.0% 1980–1989 2.7% 1970–1979 18.8% 1960–1969 4.8% 1950–1959 12.1% 1940–1949 4.2% 1939 or earlier 52.4%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 9.7% 2 bedrooms 30.6% 3 bedrooms 37.3% 4 bedrooms 21.2% 5+ bedrooms 1.2%
Vehicles per household
Vehicles % of households No vehicle 4.1% 1 vehicle 38.1% 2 vehicles 31.5% 3 or more 26.3%
Heating fuel
Fuel type % Utility gas 71.1% Electricity 17.8% Propane / LP gas 4.1% Fuel oil 7.0%
Households & families
Household type Count % Married-couple family 145 53.7% Cohabiting couple 28 10.4% Male householder, no spouse 53 19.6% Female householder, no spouse 44 16.3% Households with children under 18 75 27.8% Households with seniors (65+) 123 45.6% Average household size 2.34
Marital status
Status Male Female Never married 18.4% 19.3% Married 61.2% 56.7% Separated 0.8% 0.0% Widowed 0.0% 14.4% Divorced 19.6% 9.6%
Education
Some college, no degree
28.0%
Graduate / professional
4.9%
Metric % HS diploma or higher 94.4% Bachelor's or higher 13.9%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 7 6.5% Elementary school 51 47.2% High school 17 15.7% College / grad school 33 30.6%
Employment
Industry of employment
Professional & management
22.4%
Education & healthcare
9.7%
Finance & real estate
9.0%
Public administration
2.3%
Agriculture & mining
2.0%
Arts, food & hospitality
1.3%
Occupation
Category % Management, business & arts 25.1% Service 25.4% Sales & office 14.0% Natural resources & construction 22.7% Production & transportation 12.7%
Employment type
Type % Private sector 90.0% Government 8.0% Self-employed 2.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 65.9% Carpool 10.4% Public transit 0.0% Walk 15.1% Work from home 6.7% Other means 2.0% Avg commute (minutes) 24.6
Poverty
Married-couple families
5.5%
Female-led households
35.7%
Income support
Source % of households Social Security 33.3% Retirement income 35.6% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 5.6%
Health indicators
Condition % Obesity 37.1% High blood pressure 34.6% High cholesterol 33.4% Diabetes 11.4% Heart disease 7.5% Stroke 3.4% Asthma 10.1% Arthritis 29.6% Kidney disease 3.1% Pulmonary disease 9.3% Cancer 7.5%
Behavior / access % Smoking 21.4% Binge drinking 18.1% No physical activity 26.4% Less than 7 hrs sleep 36.0% Depression 23.5% Fair or poor health 15.8% Poor mental health 16.4% Poor physical health 10.9% No health insurance 12.2% Visited doctor (checkup) 78.3% Visited dentist 62.9% Cholesterol screening 88.8% Teeth loss 14.5%
Veterans & disability
Veterans Count % Civilian veterans 93 18.4%
Disability % Any disability 15.2% Under 18 8.7% 18–64 years 4.5% 65 and over 36.4%
Health insurance coverage
Type % Private insurance 68.5% Public insurance 45.1% No insurance 10.4% Uninsured under 19 11.8%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 580 91.8% Spanish 7 1.2% Other Indo-European 7 1.2% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 625 98.9% Born in same state 624 98.7% Born in different state 509 80.5% Foreign born 1 0.2% Naturalized citizen 7 1.1% Not a US citizen 7 100.0%
Ancestry
Ancestry Count % French 84 13.3% Italian 57 9% Arab 24 3.8%
Ancestry Count % Irish 3 0.5% Polish 3 0.5% German 2 0.3%
Technology access
Metric % of households Computer access 42.7% Internet access 82.6%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 45354
What city is ZIP code 45354 in?
ZIP code 45354 is primarily assigned to Phillipsburg, Ohio.
What county is ZIP code 45354 in?
ZIP code 45354 falls within Montgomery County, Ohio.
Does ZIP code 45354 have an older population?
31% of residents in ZIP code 45354 are 65 or older, above the national average of ~17%.
How educated is the population of ZIP code 45354?
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 45354 have a large veteran population?
18% of civilians in ZIP code 45354 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 45354?
The median home value in ZIP code 45354 is $122,300.
What timezone is ZIP code 45354 in?
ZIP code 45354 observes the EST timezone.
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