ZIP Code 45056 — Oxford city, OH Demographics & Data

ZIP code 45056 covers Oxford, OH in Butler County with a population of about 27,598.

At a glance, the area shows median age of 21.6 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.

Oxford, OH sits in a university / college context (near miami university-oxford (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 45056 is about $53,413 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 35.9%; unemployment rate near 10.6%; 54.2% of adults with a bachelor’s degree or higher (about 20.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Retail trade; about 14.6% of workers reporting work-from-home (roughly in line with 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 $247,700 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $844 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 50.3% (about 15.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45056 in Oxford, OH, a household would need roughly $68,000 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 $1,591. That is about 27% above the local median household income ($53,413), so the median earner would likely stretch or need a larger down payment. 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 Oxford 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 Oxford city, OH show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,170 for ZIP 45056 (Oxford 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.