AreaProfile

45237Cincinnati, Ohio

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 45237.

72
Area Score
Top 13% of 695 published profiles

How we calculate this

How this area ranks
OpportunityTop 32% of 727 published ZIP areas63
GrowthTop 39% of 701 published ZIP areas57
Housing affordabilityTop 38% of 800 published ZIP areas77
Climate405th of 779 published ZIP areas69
Physical resilienceTop 10% of 800 published ZIP areas89
Access399th of 779 published ZIP areas96
Economic stability634th of 800 published ZIP areas43
The quick read

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 45237 in the top 10% for physical resilience.

A major airport is 15 miles away, giving the area unusually direct access to the national air network.

Its Area Score of 72 places 45237 in the top 13% of published ZIP profiles.

At a glance

Population
20,903
2024 ACS 5-Year
Median household income
$44,913
Bottom 10% nationally
Density
3,441/sq mi
6.1 sq mi of land
Median age
40.5
2024 ACS 5-Year
City
Cincinnati
Ohio
Metro area
Cincinnati, OH-KY-IN
Nearest major airport
CVG
15 mi · Cincinnati/Northern Kentucky Intl
Median home value
$170,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.0% is lower than 83% of the 1,061 measured US ZIP areas.

Employment grew 0.8% over the past year, to 158,238 employed residents.

Median household income of $44,913 is below 90% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$4,004$44,913Bottom 10%2024 ACS 5-Year
Per capita income ±$4,066$34,301Bottom 42%2024 ACS 5-Year
Poverty rate21.2%Top 16%2024 ACS 5-Year
Average commute24.8 minBottom 34%2024 ACS 5-Year
Bachelor's degree or higher29.7%Top 35%2024 ACS 5-Year
Employment158,238Bottom 35%June 2026
Employment change (3 years)0.9%Top 45%June 2026
Employment change (year over year)0.8%Top 9%June 2026
Labor force164,801Bottom 35%June 2026
Labor force participation61.2%Top 48%2024 ACS 5-Year
Mean annual wage$67,370Top 48%2025 OEWS
Median annual wage$50,170Bottom 48%2025 OEWS
Unemployment change (year over year)-1.3%Bottom 12%June 2026
Unemployment rate4.0%Bottom 17%June 2026
Median household income, successive ACS releases
202120222023202445k42k
Each point is a separate five-year estimate, most recently $44,913 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Cincinnati, OH-KY-IN
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers30,950$29,720
General and Operations Managers29,330$100,670
Retail Salespersons28,670$30,810
Registered Nurses28,520$83,650
Stockers and Order Fillers26,870$37,810
Laborers and Freight, Stock, and Material Movers, Hand22,910$40,240

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Cincinnati, OH, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $902 takes 24% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.8 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
24.1%
Below the 30% cost-burdened threshold
Home price to income
3.8×
median home value ÷ median income
Median gross rent
$902
2024 ACS 5-Year
Median home value
$170,600
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.80Top 32%2024 ACS 5-Year
Homeownership rate47.7%Bottom 8%2024 ACS 5-Year
Housing units ±65210,809Top 15%2024 ACS 5-Year
Median gross rent ±$59$902Bottom 37%2024 ACS 5-Year
Median home value ±$16,728$170,600Bottom 35%2024 ACS 5-Year
Rent as a share of income24.1%Top 17%2024 ACS 5-Year
Vacancy rate5.6%Bottom 25%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
57/ 100
Top 39% of 701 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

83% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 3.2 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
984
12 months ending July 2026
Per 1,000 residents
3.2
Bottom 36% nationally
Year over year
+269%
vs the prior twelve months
Multifamily share
83.3%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Cincinnati, OH, the city containing this ZIP code.

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 87°F and January a low of 24°F.

Normal annual precipitation is 43.4 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CINCINNATI LUNKEN AP, 6.5 miles from this location.
Precipitation
JFMAMJJASOND4.7"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation43.4"1991-2020 Normals
Average January low24°F1991-2020 Normals
Average July high87°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing44°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

89 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado and strong wind.

TornadoElevated
Strong windModerate

Low or minimal exposure: heat wave, cold wave, inland flooding, lightning, landslide, hail, winter weather, earthquake, ice storm, wildfire, hurricane, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

6 major airports lie within 100 miles, the nearest 15 miles away.

AirportCodeDistanceLongest runway
Cincinnati/Northern Kentucky IntlCVG15 mi10,000 ft
Wilmington Air ParkILN39 mi10,701 ft
James M Cox Dayton IntlDAY50 mi8,502 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
72
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

45237 vs Cincinnati

How this ZIP area compares with Cincinnati as a whole. Both figures come from the same ACS release, so the comparison is like for like.

45237
Cincinnati
Median household income
$44,913
vs
$52,909
Per capita income
$34,301
vs
$40,324
Population density
3,441/sq mi
vs
3,994/sq mi
Median home value
$170,600
vs
$230,900
Median gross rent
$902
vs
$1,001
Homeownership rate
47.7%
vs
39.8%
Bachelor's degree or higher
29.7%
vs
41.8%
Poverty rate
21.2%
vs
25.5%
Median age
40.5
vs
33.2

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.