ZIP Code 45239 — White Oak CDP, OH Demographics & Data

ZIP code 45239 covers White Oak, OH in Hamilton County with a population of about 29,035.

At a glance, the area shows median age of 33.5 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.

White Oak, OH sits in a university / college context (near cincinnati school of barbering & hair design (0.2 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 45239 is about $58,276 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.0%; unemployment rate near 5.8%; 26.3% of adults with a bachelor’s degree or higher (about 7.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 11.4% of workers reporting work-from-home (about 3.8 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 $155,500 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $819 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 59.4% (about 6.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45239 in White Oak, OH, a household would need roughly $43,000 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 $999. That sits below the local median household income ($58,276), 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 White Oak CDP, OH as Relatively High (composite score 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (96.9) and wildfire (47.3). 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 White Oak CDP, OH show little to no average snow and around 48.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,231 for ZIP 45239 (White Oak 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.