45373Troy, Ohio

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 45373.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 10% of 6,210 ZIP areas measured78
SchoolsTop 35% of 4,422 ZIP areas measured63
Housing affordabilityTop 18% of 6,685 ZIP areas measured96
Climate3842nd of 6,789 ZIP areas measured68
Physical resilienceTop 14% of 6,709 ZIP areas measured87
AccessTop 15% of 6,791 ZIP areas measured99
Economic stabilityTop 43% of 6,742 ZIP areas measured63
The quick read

45373 ranks in the top 10% of published ZIP profiles for employment opportunity, with unemployment at 3.3% and median household income of $75,742.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 16% of median household income and the median home is 3.3 times it.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 45373 in the top 14% for physical resilience.

At a glance

Population
37,565
2024 ACS 5-Year
Median household income
$75,742
Top 44% nationally
Density
428/sq mi
87.7 sq mi of land
Median age
39.3
2024 ACS 5-Year
City
Troy
Ohio
Metro area
Dayton-Kettering-Beavercreek, OH
Nearest major airport
DAY
9 mi · James M Cox Dayton Intl
Median home value
$253,400
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.3% is lower than 91% of the 6,544 measured US ZIP areas.

Employment grew 0.7% over the past year, to 13,072 employed residents.

35% of adults hold a four-year degree, higher than 74% of measured US ZIP areas.

MetricValueCompared nationallySource period
Median household income ±$6,411$75,742Top 44%of 31,2952024 ACS 5-Year
Per capita income ±$2,040$40,954Top 36%of 32,8222024 ACS 5-Year
Poverty rate10.1%Bottom 48%of 32,9702024 ACS 5-Year
Average commute22.3 minBottom 22%of 32,8872024 ACS 5-Year
Bachelor's degree or higher35.1%Top 26%of 33,1932024 ACS 5-Year
Employment13,072Bottom 6%of 6,544June 2026
Employment change (3 years)2.1%Top 23%of 6,542June 2026
Employment change (year over year)0.7%Top 16%of 6,544June 2026
Labor force13,521Bottom 6%of 6,544June 2026
Labor force participation64.6%Top 34%of 33,2522024 ACS 5-Year
Mean annual wage$65,730Bottom 40%of 6,0722025 OEWS
Median annual wage$49,980Bottom 45%of 6,0722025 OEWS
Unemployment change (year over year)-1.2%Bottom 5%of 6,544June 2026
Unemployment rate3.3%Bottom 9%of 6,544June 2026
Median household income, successive ACS releases
202120222023202478k74k
Each point is a separate five-year estimate, most recently $75,742 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 — Dayton-Kettering-Beavercreek, OH
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers11,860$27,680
Registered Nurses11,640$82,510
General and Operations Managers10,180$98,030
Retail Salespersons9,170$30,360
Stockers and Order Fillers8,770$36,750
Cashiers7,300$28,750

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 Troy, OH, the city containing this ZIP code.

66% of students met the state standard in mathematics and 60% in reading, across the schools here that reported results.

There are 17.7 students for every full-time teacher, more than in most measured places.

Public schools
9
2024-25 school year
Students per teacher
17.7
across all schools here
Math proficiency
65.5%
Top 25% in Ohio
Reading proficiency
60.5%
Top 34% in Ohio
SchoolDistrictStudentsPer teacherMathReading
Troy High SchoolTroy City1,10720.1
Troy Junior High SchoolTroy City63316.765%51%
Concord Elementary SchoolTroy City63216.681%78%
Cookson Elementary SchoolTroy City31816.761%55%
Van Cleve Elementary SchoolTroy City31822.7
Hook Elementary SchoolTroy City27216.062%65%
Heywood Elementary SchoolTroy City26417.648%48%
Kyle Elementary SchoolTroy City19316.157%53%
Forest Elementary SchoolTroy City19213.761%61%

50.2% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Ohio’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $988 takes 16% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.3 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
15.7%
Below the 30% cost-burdened threshold
Home price to income
3.3×
median home value ÷ median income
Median gross rent
$988
2024 ACS 5-Year
Median home value
$253,400
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.35Top 43%of 30,4042024 ACS 5-Year
Homeownership rate71.3%Bottom 32%of 32,9102024 ACS 5-Year
Housing units ±47816,038Top 7%of 33,7722024 ACS 5-Year
Median gross rent ±$55$988Bottom 48%of 26,6182024 ACS 5-Year
Median home value ±$15,618$253,400Top 41%of 30,9412024 ACS 5-Year
Rent as a share of income15.7%Bottom 35%of 26,4702024 ACS 5-Year
Vacancy rate5.0%Bottom 23%of 33,0282024 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 →

No building-permit activity is published for this location by the Census Building Permits Survey.

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 86°F and January a low of 22°F.

Normal annual precipitation is 41.3 inches, including 25.0 inches of snow.

Air quality measures a median index of 43, in the Good band, and one day a year passes 100, the threshold at which the air is unhealthy for sensitive groups.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station DAYTON INTL AP, 8.9 miles from this location.
Precipitation
JFMAMJJASOND4.5"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index61.02024 calendar year
Annual precipitation41.3"1991-2020 Normals
Annual snowfall25.0"1991-2020 Normals
Average January low22°F1991-2020 Normals
Average July high86°F1991-2020 Normals
Comfortable months61991-2020 Normals
Days above AQI 10012024 calendar year
Median air quality index43.02024 calendar year
Seasonal temperature swing47°F1991-2020 Normals
Air quality
Median air quality index
43
Good on a typical day
Worst tenth of days
61
90th percentile index
Days above 100
1
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

87 / 100
Physical resilience

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

EarthquakeModerate
Ice stormModerate
Strong windModerate
TornadoElevated
HailModerate
Heat waveModerate

Low or minimal exposure: lightning, inland flooding, winter weather, cold wave, landslide, hurricane, drought, wildfire.

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.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Miami County records 2.5 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 9.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 10.2 per 100,000 residents in Miami County.

Homicide
2.5
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.0
per 100,000 residents · under 10 deaths
Drug overdose
10.2
per 100,000 residents · under 10 deaths
Suicide
13.5
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Miami County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 45373 rather than 45373 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

5 major airports lie within 100 miles, the nearest 9 miles away.

AirportCodeDistanceLongest runway
James M Cox Dayton IntlDAY9 mi8,502 ft
Wilmington Air ParkILN47 mi10,701 ft
Rickenbacker IntlLCK69 mi11,902 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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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)
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)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 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.

45373 vs Troy

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

45373
Troy
Median household income
$75,742
vs
$68,830
Per capita income
$40,954
vs
$38,427
Population density
428/sq mi
vs
2,124/sq mi
Median home value
$253,400
vs
$217,400
Median gross rent
$988
vs
$1,003
Homeownership rate
71.3%
vs
65.5%
Bachelor's degree or higher
35.1%
vs
33.2%
Poverty rate
10.1%
vs
12.6%
Median age
39.3
vs
37.8

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.