45239White Oak, Ohio

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 45239.

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 30% of 6,210 ZIP areas measured64
Schools3716th of 4,422 ZIP areas measured25
Housing affordabilityTop 21% of 6,685 ZIP areas measured95
Climate3550th of 6,789 ZIP areas measured69
Physical resilienceTop 11% of 6,709 ZIP areas measured89
AccessTop 17% of 6,791 ZIP areas measured98
Economic stabilityTop 40% of 6,742 ZIP areas measured65
The quick read

Unemployment is 3.7% and median household income $60,324, putting employment conditions in the middle range of published ZIP profiles.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 45239 in the top 11% for physical resilience.

A major airport is 12 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
29,607
2024 ACS 5-Year
Median household income
$60,324
Bottom 30% nationally
Density
4,733/sq mi
6.3 sq mi of land
Median age
34.1
2024 ACS 5-Year
City
White Oak
Ohio
Metro area
Cincinnati, OH-KY-IN
Nearest major airport
CVG
12 mi · Cincinnati/Northern Kentucky Intl
Median home value
$171,100
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.7% is lower than 78% of the 6,544 measured US ZIP areas.

Employment grew 0.8% over the past year, to 421,006 employed residents.

MetricValueCompared nationallySource period
Median household income ±$4,781$60,324Bottom 30%of 31,2952024 ACS 5-Year
Per capita income ±$2,117$31,234Bottom 31%of 32,8222024 ACS 5-Year
Poverty rate12.4%Top 41%of 32,9702024 ACS 5-Year
Average commute27.7 minTop 50%of 32,8872024 ACS 5-Year
Bachelor's degree or higher25.9%Top 43%of 33,1932024 ACS 5-Year
Employment421,006Top 14%of 6,544June 2026
Employment change (3 years)0.9%Top 38%of 6,542June 2026
Employment change (year over year)0.8%Top 15%of 6,544June 2026
Labor force437,021Top 14%of 6,544June 2026
Labor force participation70.6%Top 13%of 33,2522024 ACS 5-Year
Mean annual wage$67,370Top 49%of 6,0722025 OEWS
Median annual wage$50,170Bottom 49%of 6,0722025 OEWS
Unemployment change (year over year)-1.2%Bottom 5%of 6,544June 2026
Unemployment rate3.7%Bottom 22%of 6,544June 2026
Median household income, successive ACS releases
202120222023202460k53k
Each point is a separate five-year estimate, most recently $60,324 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 White Oak, OH, the city containing this ZIP code.

28% of students met the state standard in mathematics and 34% in reading, across the schools here that reported results.

There are 17.5 students for every full-time teacher, more than in most measured places.

Public schools
7
2024-25 school year
Students per teacher
17.5
across all schools here
Math proficiency
27.8%
Bottom 23% in Ohio
Reading proficiency
34.1%
Bottom 22% in Ohio
SchoolDistrictStudentsPer teacherMathReading
Struble Elementary SchoolNorthwest Local77218.045%49%
White Oak Middle SchoolNorthwest Local70317.142%47%
Mt. Airy SchoolCincinnati Public Schools59418.013%23%
North College Hill Elementary SchoolNorth College Hill City47218.920%22%
North College Hill Middle SchoolNorth College Hill City45717.610%23%
North College Hill High SchoolNorth College Hill City40219.1
Cincinnati Achievement Academy · charterCincinnati Achievement Academy14410.310%10%

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 $1,015 takes 20% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
20.2%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$1,015
2024 ACS 5-Year
Median home value
$171,100
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income2.84Bottom 41%of 30,4042024 ACS 5-Year
Homeownership rate59.3%Bottom 15%of 32,9102024 ACS 5-Year
Housing units ±75612,909Top 11%of 33,7722024 ACS 5-Year
Median gross rent ±$110$1,015Top 50%of 26,6182024 ACS 5-Year
Median home value ±$6,026$171,100Bottom 35%of 30,9412024 ACS 5-Year
Rent as a share of income20.2%Top 34%of 26,4702024 ACS 5-Year
Vacancy rate6.0%Bottom 28%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 87°F and January a low of 24°F.

Normal annual precipitation is 43.4 inches.

Air quality measures a median index of 52, in the Moderate band, and about 11 days a year pass 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 CINCINNATI LUNKEN AP, 11.1 miles from this location.
Precipitation
JFMAMJJASOND4.7"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index71.02024 calendar year
Annual precipitation43.4"1991-2020 Normals
Average January low24°F1991-2020 Normals
Average July high87°F1991-2020 Normals
Comfortable months61991-2020 Normals
Days above AQI 100112024 calendar year
Median air quality index52.02024 calendar year
Seasonal temperature swing44°F1991-2020 Normals
Air quality
Median air quality index
52
Moderate on a typical day
Worst tenth of days
71
90th percentile index
Days above 100
11
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

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.

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.

Hamilton County records 9.9 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 15.4 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 15.1 per 100,000 residents in Hamilton County.

Homicide
9.9
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
15.4
per 100,000 residents · under 10 deaths
Drug overdose
15.1
per 100,000 residents · under 10 deaths
Suicide
13.3
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 Hamilton 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 45239 rather than 45239 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
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. 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. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

6 major airports lie within 100 miles, the nearest 12 miles away.

AirportCodeDistanceLongest runway
Cincinnati/Northern Kentucky IntlCVG12 mi10,000 ft
Wilmington Air ParkILN45 mi10,701 ft
James M Cox Dayton IntlDAY52 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.

Customize your score

What matters to you?

Choose what you weight most heavily. Nothing is saved to an account — your preferences stay in this browser, and the Area Score never changes.

Area Score
Your Score

Select one or more priorities to see how this location scores against them.

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)
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.

45239 vs White Oak

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

45239
White Oak
Median household income
$60,324
vs
$70,341
Per capita income
$31,234
vs
$40,422
Population density
4,733/sq mi
vs
3,093/sq mi
Median home value
$171,100
vs
$203,700
Median gross rent
$1,015
vs
$1,091
Homeownership rate
59.3%
vs
70.9%
Bachelor's degree or higher
25.9%
vs
34.4%
Poverty rate
12.4%
vs
8.2%
Median age
34.1
vs
37.7

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.