Zip code 45318: Covington, Ohio

Q: What city is zip code 45318?

45318 is assigned to Covington, Ohio. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 45318 in?

45318 is mostly in Miami County, but it extends into 1 other county.

Q: What is the population of 45318?

About 5,511 people live in 45318, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 45318?

The median household income in 45318 is $73,867.

Q: What zip codes are near 45318?

The closest zip codes to 45318 are 45359, 45308, 45356, 45328, 45363.

Residential delivery areaMiami CountyEastern Time

Population

5,511

Median household income

$74K

U.S. $81K

Median home value

$199K

U.S. $333K

Median rent

$838/mo

U.S. $1,413

Median age

49.1

U.S. 38.9

Land area

47 sq mi

118 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 45318

45318 is a small-town zip code in Covington, Ohio (Miami County), covering 47 sq mi of land. About 5,511 people live here, or 118 per square mile. The median resident is 49.1 years old, compared with 38.9 nationally.

The median household earns $73,867 a year, close to the national median of $80,734. 3.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $199,400, or 2.7 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 76% of occupied homes are lived in by their owners, and renters pay a median of $838 a month.

13% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.6 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in production and manufacturing; office and administrative support; and healthcare.

How 45318 compares

Sorted from highest to lowest national percentile

Median age49.1
94th
U.S. 38.9 · OH 39.7151st of 1,166 in OH
Residents 65 and older23.6%
89th
U.S. 17.2% · OH 18.3%235th of 1,168 in OH
Self-employed workers12.9%
82nd
U.S. 10% · OH 8.1%177th of 1,163 in OH
Housing vacancy11.8%
78th
U.S. 10.1% · OH 8.1%315th of 1,160 in OH
Homeownership rate75.6%
68th
U.S. 65.2% · OH 67.2%683rd of 1,159 in OH
Tech workers3.9%
67th
U.S. 3.8% · OH 3.2%184th of 1,163 in OH
Uninsured rate8.4%
62nd
U.S. 8.4% · OH 6.4%271st of 1,165 in OH
Median earnings per worker$47,459
48th
U.S. $49,666 · OH $47,692484th of 1,153 in OH
Healthcare workers9.3%
47th
U.S. 9.7% · OH 10.5%684th of 1,163 in OH
Unemployment rate4.6%
45th
U.S. 5.2% · OH 4.8%436th of 1,164 in OH
Veterans5.5%
45th
U.S. 6.2% · OH 6.6%790th of 1,168 in OH
Median household income$73,867
42nd
U.S. $80,734 · OH $71,389483rd of 1,122 in OH
Work from home11.3%
42nd
U.S. 15.1% · OH 13%367th of 1,163 in OH
Average commute24.6 min
40th
U.S. 26.4 min · OH 23.4 min556th of 1,121 in OH
Per capita income$35,128
35th
U.S. $44,673 · OH $40,552563rd of 1,165 in OH
Broadband access88.5%
26th
U.S. 91% · OH 90.1%610th of 1,159 in OH
Median home value$199,400
21st
U.S. $332,700 · OH $214,800448th of 1,114 in OH
Residents under 1818%
19th
U.S. 22% · OH 22%916th of 1,168 in OH
Population density118/sq mi
15th
U.S. 95/sq mi · OH 289/sq mi713th of 1,168 in OH
Population5,511
9th
U.S. 334,922,499 · OH 11,810,293499th of 1,168 in OH
Median gross rent$838
9th
U.S. $1,413 · OH $1,034670th of 1,007 in OH
Bachelor's degree or higher13%
6th
WeaknessU.S. 35.7% · OH 31.5%875th of 1,166 in OH
Government workers7.7%
6th
U.S. 14.5% · OH 12.9%967th of 1,163 in OH
Poverty rate3.6%
5th
StrengthU.S. 12.5% · OH 13.3%1,046th of 1,159 in OH
Diversity index11.6
5th
U.S. 61.4 · OH 40.6726th of 1,168 in OH
Rent-burdened renters25.4%
3rd
StrengthU.S. 51.1% · OH 45.9%904th of 1,113 in OH
Income inequality (Gini)0.353
3rd
StrengthU.S. 0.483 · OH 0.467946th of 1,156 in OH
Foreign-born residents0%
1st
U.S. 14.1% · OH 5.2%1,050th of 1,168 in OH

Measure	45318	Miami	OH	U.S.	National percentile	Rank in OH
Median age	49.1	41.3	39.7	38.9	94th	151st of 1,166
Residents 65 and older	23.6%	19.4%	18.3%	17.2%	89th	235th of 1,168
Self-employed workers	12.9%	8.5%	8.1%	10%	82nd	177th of 1,163
Housing vacancy	11.8%	4.9%	8.1%	10.1%	78th	315th of 1,160
Homeownership rate	75.6%	73.4%	67.2%	65.2%	68th	683rd of 1,159
Tech workers	3.9%	2.8%	3.2%	3.8%	67th	184th of 1,163
Uninsured rate	8.4%	4.7%	6.4%	8.4%	62nd	271st of 1,165
Median earnings per worker	$47,459	$49,546	$47,692	$49,666	48th	484th of 1,153
Healthcare workers	9.3%	9.3%	10.5%	9.7%	47th	684th of 1,163
Unemployment rate	4.6%	3.1%	4.8%	5.2%	45th	436th of 1,164
Veterans	5.5%	7%	6.6%	6.2%	45th	790th of 1,168
Median household income	$73,867	$76,817	$71,389	$80,734	42nd	483rd of 1,122
Work from home	11.3%	10.2%	13%	15.1%	42nd	367th of 1,163
Average commute	24.6 min	22 min	23.4 min	26.4 min	40th	556th of 1,121
Per capita income	$35,128	$40,297	$40,552	$44,673	35th	563rd of 1,165
Broadband access	88.5%	92.3%	90.1%	91%	26th	610th of 1,159
Median home value	$199,400	$229,100	$214,800	$332,700	21st	448th of 1,114
Residents under 18	18%	22.9%	22%	22%	19th	916th of 1,168
Population density	118/sq mi	271/sq mi	289/sq mi	95/sq mi	15th	713th of 1,168
Population	5,511	110,296	11,810,293	334,922,499	9th	499th of 1,168
Median gross rent	$838	$966	$1,034	$1,413	9th	670th of 1,007
Bachelor's degree or higherWeakness	13%	26.8%	31.5%	35.7%	6th	875th of 1,166
Government workers	7.7%	13.1%	12.9%	14.5%	6th	967th of 1,163
Poverty rateStrength	3.6%	9.4%	13.3%	12.5%	5th	1,046th of 1,159
Diversity index	11.6	18.9	40.6	61.4	5th	726th of 1,168
Rent-burdened rentersStrength	25.4%	43%	45.9%	51.1%	3rd	904th of 1,113
Income inequality (Gini)Strength	0.353	0.415	0.467	0.483	3rd	946th of 1,156
Foreign-born residents	0%	2.8%	5.2%	14.1%	1st	1,050th of 1,168

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

11%

5–17

18–24

10%

25–34

12%

35–44

16%

45–54

16%

55–64

11%

65–74

13%

75+

Median age

49.1

Under 18

18%

65 and over

23.6%

Race and ethnicity

White94%
Black0.7%
Hispanic5%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial0.5%

Diversity index

11.6

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

82.5%

Language spoken at home (households)

English only

100%

Spanish

Other Indo-European

0.2%

Asian / Pacific

Other

Households

Households: 2,215
Average household size: 2.5
Family households: 72.8%
Married couples: 58.4%
Living alone: 24%
Veterans (of adults): 5.5%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

21%

$50–75k

19%

$75–100k

20%

$100–150k

18%

$150–200k

$200k+

Median household income

45318

$73,867

Miami Co.

$76,817

Ohio

$71,389

United States

$80,734

Per capita income

$35,128

U.S. $44,673

Poverty rate

3.6%

U.S. 12.5%

Households earning $150K+

11.6%

U.S. 23%

Income inequality (Gini)

0.353

U.S. 0.483

Housing

Median home value

45318

$199,400

Miami Co.

$229,100

Ohio

$214,800

United States

$332,700

Median gross rent

45318

$838

Miami Co.

$966

Ohio

$1,034

United States

$1,413

Types of housing

Single-family

87%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 2,511
Owner-occupied: 75.6%
Vacant: 11.8%
Median year built: 1964
Median rooms: 6.1
Renters paying 30%+ of income: 25.4%
Renters paying 50%+ of income: 8.3%
Home value to income: 2.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

80%

Carpooled

Transit

Walked

Bicycle

Worked from home

11%

Other

0.9%

Commute time (one way)

<10 min

24%

10–19

26%

20–29

20%

30–44

17%

45–59

60+

Average commute

24.6 min

U.S. 26.4 min

Unemployment

4.6%

U.S. 5.2%

In labor force

59.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

22%

Office and admin

Healthcare

Management

Transportation and moving

Food service

Construction and repair

Cleaning and personal care

Business and finance

Education

Computer and math

Sales

Arts, media and sports

Police and fire

Engineering and science

Legal and social services

Farming, fishing and forestry

0.2%

Industries

Manufacturing

28%

Health care and social assistance

14%

Retail

10%

Restaurants and hotels

Construction

Education

Admin, support and management

Wholesale

Other services

Professional and technical services

Public administration

Finance, insurance and real estate

Transportation, warehousing and utilities

Agriculture and mining

Information

Arts and recreation

Median earnings per worker

$47,459

U.S. $49,666

Self-employed

12.9%

U.S. 10%

Government workers

7.7%

U.S. 14.5%

Nonprofit workers

6.2%

U.S. 8.8%

Median earnings by type of work

Type of work	45318	U.S.
Management, business, science and arts	$60,691	$74,888
Service	$23,694	$26,804
Sales and office	$42,375	$40,476
Construction and maintenance	$54,615	$49,199
Production and transportation	$51,159	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

50%

Some college

18%

Associate's

13%

Bachelor's

Graduate

High school graduate or higher: 93.8%
Bachelor's degree or higher: 13%
Graduate or professional degree: 3.7%
Households with broadband: 88.5%
Cable, fiber or DSL: 64.1%
No internet access: 9.7%
Without health insurance: 8.4%
Limited-English households: 0%

Geography

City (USPS): Covington
State: Ohio
County: Miami County
Center point: 40.1270° N, 84.3544° W
Land area: 47 sq mi
Water area: 0.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

45318 spans 2 counties

Miami County99% of land
Darke County1% of land

Cities and towns within this zip

Covington3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 45318

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
45359	Pleasant Hill, OH	5.3 mi	2,160	$77,083	$208,700
45308	Bradford, OH	5.4 mi	4,385	$70,435	$171,000
45356	Piqua, OH	7.1 mi	25,237	$69,188	$156,400
45328	Gettysburg, OH	7.6 mi	544	$63,125	$114,100
45363	Russia, OH	8.1 mi	1,862	$95,268	$316,900
45339	Ludlow Falls, OH	8.2 mi	1,057	$97,750	$269,300
45333	Houston, OH	8.5 mi	1,830	$63,906	$199,200
45374	Troy, OH · PO box	8.9 mi	—	—	—
45373	Troy, OH	11 mi	37,565	$75,742	$253,400
45337	Laura, OH	11 mi	1,703	$108,162	$228,700
45380	Versailles, OH	11 mi	5,394	$84,135	$235,300
45361	Potsdam, OH	12 mi	253	$66,250	$124,300

Zip codes like 45318 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 45318

What city is zip code 45318?

45318 is assigned to Covington, Ohio. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 45318 in?

45318 is mostly in Miami County, but it extends into 1 other county.

What is the population of 45318?

About 5,511 people live in 45318, according to the Census Bureau's American Community Survey.

What time zone is 45318 in?

45318 is in Eastern Time.

What is the median household income in 45318?

The median household income in 45318 is $73,867.

What zip codes are near 45318?

The closest zip codes to 45318 are 45359, 45308, 45356, 45328, 45363.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 45318, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.