ZIP Code 45631 — Gallipolis village, OH Demographics & Data

ZIP code 45631 covers Gallipolis, OH in Gallia County with a population of about 12,669.

At a glance, the area shows median age of 43.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 220, 740; U.S. House district OH-2; the CHARLESTON - HUNTINGTON media market.

Median household income in ZIP 45631 is about $54,772 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.7%; unemployment rate near 3.3%; 19.4% of adults with a bachelor’s degree or higher (about 14.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 6.8% of workers reporting work-from-home (about 8.4 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 $138,700 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $607 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 71.6% (about 6.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45631 in Gallipolis, OH, a household would need roughly $38,000 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 $891. That sits below the local median household income ($54,772), 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 Gallipolis village, OH as Relatively Low (composite score 48.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (67.6) and hurricane (47.9). 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 Gallipolis village, OH show little to no average snow and around 44.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 537 for ZIP 45631 (Gallipolis 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.