| ZIP Code | 45318 |
|---|---|
| City | Covington |
| State | Ohio (OH) |
| County | Miami County |
| Area Code | 326/937 |
| Elevation | 951 ft |
| Latitude | 40.127006 |
|---|---|
| Longitude | -84.354408 |
| Timezone | New York (DST) |
| FIPS | 39109 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 50.6 yrs ↑ 18% since 2019 |
|---|---|
| Avg Household Size | 2.31 |
| Below Poverty | 5.2% ▼ 48% below avg |
| College Grads | 26.1% ▼ 33% below avg |
| Unemployment | 5.1% ≈ Avg |
| No HS Diploma | 105 (2.5%) |
| HS Graduate | 2,035 (49.2%) |
| Some College | 475 (11.5%) |
| Associates | 438 (10.6%) |
| Bachelors | 521 (12.6%) |
| Graduate Degree | 559 (13.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $64,239 ▼ 16% below avg ↑ 16% since 2019 |
|---|---|
| Median Home Value | $176,100 ▼ 37% below avg ↑ 17% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $701/mo ↓ 7% since 2019 |
| Total Units | 2,534 |
| Vacant Units | 255 |
| Avg HH Size | 2.31 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,534 |
|---|---|
| Vacant | 255 |
| Owner Occupied | 76.7% |
| Renter Occupied | 23.3% |
| Avg HH Size | 2.31 |
ZIP code 45318 is located in Covington, Ohio, within Miami County. With a population of 5,338, this is a lightly populated ZIP code with a mature community — the median age is 50.6 years. Economically, 45318 is a solidly middle-class ZIP code: the median household income of $64,239 is below the national average.
Real estate in ZIP code 45318 represents an affordable housing market. The median home value of $176,100 is below the national average. Renters can expect to pay around $701 per month in median rent. Homeownership is strong here — 76.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 17% since 2019.
The population of 45318 is primarily White (98.26%). Residents are moderately educated — 26.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 5.2%. Household income has grown by 16% since 2019.
The unemployment rate in 45318 stands at 5.1%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 79%.
Overall, ZIP code 45318 in Covington, OH is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 5,338 residents, a median household income of $64,239, and a median home value of $176,100, it offers a clear picture of life in this part of Ohio.