ZIP Code 45042 — Middletown city, OH Demographics & Data

ZIP code 45042 covers Middletown, OH in Butler County with a population of about 28,217.

At a glance, the area shows median age of 41.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 283, 513; U.S. House district OH-8; the CINCINNATI media market.

Median household income in ZIP 45042 is about $66,732 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.5%; unemployment rate near 3.4%; 19.8% of adults with a bachelor’s degree or higher (about 13.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 8.0% of workers reporting work-from-home (about 7.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $192,400 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $741 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 71.8% (about 6.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45042 in Middletown, OH, a household would need roughly $53,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,236. That sits below the local median household income ($66,732), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Middletown city, OH as Relatively Moderate (composite score 91.5), which is among the highest nationally. The strongest component scores on US5 are flood (93.0) and wildfire (41.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Middletown city, OH show little to no average snow and around 42.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,196 for ZIP 45042 (Middletown city, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.