ZIP code 45311

ZIP 45311 is a mid-size town in Preble County, Ohio, with 5,960 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #486 of 1,233 ranked by population — larger than 60% of them. The median age here is 46.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 45311 earn a median of $66,210 a year, 15.7% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 17.4% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 45311 is valued at $177,200, 41.6% below the national figure, while median gross rent runs $802 a month, 43% below the national figure, or roughly $9,624 across a full year. A household on the local median income would put about 14.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 79.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 45311 is tabulated inside Preble County, Ohio, one of 11 ZIP areas the Census publishes for that county and 1,233 across Ohio. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 45311 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 45311 reports a median household income of $66,210, 4% below the $68,740 county median, and 3% below the $68,141 typical OH ZIP. Owner-occupied homes are valued at a median of $177,200, 6% above the county figure and 6% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $802 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Ohio charges 5.75% statewide, and local governments overlapping 45311 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 45311 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.