ZIP Code 45064 — Somerville CDP, OH Demographics & Data

ZIP code 45064 covers Somerville, OH in Butler County with a population of about 3,281.

At a glance, the area shows median age of 43.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 283, 326, 513, 937; U.S. House district OH-8; the CINCINNATI media market.

Median household income in ZIP 45064 is about $100,605 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.2%; unemployment rate near 2.8%; 20.8% of adults with a bachelor’s degree or higher (about 12.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Manufacturing; about 14.8% 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 $209,400 — about 40% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.0% (about 27.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45064 in Somerville, OH, a household would need roughly $58,000 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 $1,345. That sits below the local median household income ($100,605), 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 Somerville CDP, 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 Somerville CDP, OH show little to no average snow and around 43.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 139 for ZIP 45064 (Somerville CDP, 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.