ZIP Code 45249 — Montgomery city, OH Demographics & Data

ZIP code 45249 covers Montgomery, OH in Hamilton County with a population of about 14,219.

At a glance, the area shows median age of 39.6 (near the U.S. median).

It sits in telephone area codes 283, 513; U.S. House district OH-1; the CINCINNATI media market.

Montgomery, OH sits in a university / college context (near arizona college of nursing-cincinnati (1.1 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 45249 is about $107,227 — about 43% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 2.5%; 70.9% of adults with a bachelor’s degree or higher (about 37.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Manufacturing; about 24.6% of workers reporting work-from-home (about 9.4 points above 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 $484,500 — about 39% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,314 (about 13% above the U.S. median rent ($1,163)), and owner-occupancy near 65.2% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45249 in Montgomery, OH, a household would need roughly $133,000 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 $3,112. That is about 24% above the local median household income ($107,227), 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 Montgomery city, 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 Montgomery city, OH show little to no average snow.

IRS migration statistics show a net inflow of about 603 for ZIP 45249 (Montgomery 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.