ZIP Code 45330 — Gratis village, OH Demographics & Data

ZIP code 45330 covers Gratis, OH in Preble County with a population of about 810.

At a glance, the area shows median age of 36.6 versus a U.S. median of about 38.9.

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

Median household income in ZIP 45330 is about $76,033 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.2%; unemployment rate near 6.9%; 19.9% of adults with a bachelor’s degree or higher (about 13.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Construction; about 14.9% 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 $143,000 — about 59% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $568 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 84.6% (about 19.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45330 in Gratis, OH, a household would need roughly $39,000 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 $919. That sits below the local median household income ($76,033), 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 Gratis village, OH as Relatively Low (composite score 43.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (51.4) and hurricane (28.3). 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 Gratis village, OH show little to no average snow and around 43.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 45330 (Gratis village, 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.