ZIP Code 45040: Population, Income, Housing

State: OH
Total population: 59,518 Household income: $133,240 Rent: $1,811

Overview

Total population
59,518
Rent
$1,811
Year built
1998
Household income
$133,240
Per capita income
$66,545
Poverty rate
4.6%
Unemployment rate
N/A
Household size
2.7 persons
Rent over 30% of income
24.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Ohio
County
Warren County
City
Mason
Total population
59,518
Adults over 25
41,068
Total households
22,000
Household size
2.7 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$133,240
Per capita income
$66,545
Poverty rate
4.6%
Unemployment rate
N/A
Rent over 30% of income
24.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,811
Year built
1998
Households that rent
22.3%
Households that own
77.7%
Rooms per home (all homes)
7.4

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
69%
Black
3.6%
Asian
19.7%
Two or more races
5.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
4%
Not Hispanic or Latino
96%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
23,564 (76.4%)
Commute time to work
24 mins
Work from home
7,264 (23.6%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
15.8%
High school graduate or GED
13.6%
Some college or associate degree
7.6%
Bachelor’s degree or higher
63%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 45040 with: Warren County, OH Cincinnati metro area, OH-KY-IN Ohio United States

ZIP 45040

Total population59,518
Rent$1,811
Year built1998
Household income$133,240
Per capita income$66,545
Poverty rate4.6%
Unemployment rateN/A

Warren County, OH

Total population250,008
Rent$1,361
Year built1995
Household income$110,132
Per capita income$53,621
Poverty rate6%
Unemployment rate3.6%

Cincinnati Metro Area, OH-KY-IN

Total population2,270,706
Rent$1,105
Year built1976
Household income$81,120
Per capita income$44,674
Poverty rate11.8%
Unemployment rate4.2%

Ohio State

Total population11,810,293
Rent$1,034
Year built1970
Household income$71,389
Per capita income$40,552
Poverty rate13.3%
Unemployment rate4.3%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP45040 CountyWarren, OHMetro AreaCincinnati metro area, OH-KY-INStateOhioCountryUnited States
Total population59,518250,0082,270,70611,810,293334,922,499
Rent$1,811$1,361$1,105$1,034$1,413
Year built19981995197619701980
Household income$133,240$110,132$81,120$71,389$80,734
Per capita income$66,545$53,621$44,674$40,552$44,673
Poverty rate4.6%6%11.8%13.3%12.5%
Unemployment rateN/A3.6%4.2%4.3%4%

View the full multi-level comparison →

 

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Summary for 45040

Rent & Income

In 45040, the typical monthly rent is $1,811 and the typical household income is $133,240. Rent here is higher than Ohio, and household income is higher than Ohio. The estimated poverty rate is 4.6%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 22.3% of households. Only 24.6% of renters spend over 30% of their income on housing, indicating relatively low burden.

Education & Employment

Educational attainment is very high, with about 63% of adults holding a bachelor’s degree or higher.

 

ZIP 45040 — Rent vs Household Income

 

 

ZIP 45040 — Poverty

 

 

How ZIP 45040 compares in Ohio (100 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,811 100 / 100 from lower rent $807 – $1,811
Household income $133,240 6 / 100 from higher income $40,906 – $154,683
Poverty rate 4.6% 5 / 100 from lower poverty 2.4% – 43.8%

Rankings are calculated among ZIP Codes in Ohio with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 45040

Rent

When it comes to rent, ZIP Code 45040 ranks 100th out of 100 ZIP Codes in Ohio. Statewide, values range from $807 in ZIP 44512 up to $1,811 in ZIP 45040.

Household income

Income-wise, this area is placed 6th out of 100 ZIP Codes. Across Ohio, figures vary from $40,906 in ZIP 44105 up to $154,683 in ZIP 43035.

Poverty rate

When it comes to poverty, ZIP Code 45040 places 5th out of 100 ZIP Codes. Throughout Ohio, numbers span from 2.4% in ZIP 43065 up to 43.8% in ZIP 43201.

 

💰 Rent in ZIP Code 45040 (with Utilities)

Estimated Monthly Rent: $1,811 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 45040

Annual Household Income: $133,240

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 45040

Estimated Rate: 4.6%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 45040

In ZIP Code 45040, households that rent: 4,907 (22.3%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 4,907 22.3%
Owner-Occupied 17,093 77.7%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 45040

In ZIP Code 45040, cost-burdened renters (households spending over 30% of income on housing): 1,209 (24.6%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 1,209 24.6%
Other renter households 3,698 75.4%
Total renter households 4,907 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 45040

Less than High School: 6,495 people (15.8%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,598 people (13.6%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 3,121 people (7.6%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 25,854 people (63%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 41,068

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.