US > Ohio > Miami County > Covington, OH 45318

45318 ZIP Code Profile, Map, Data & Demographics

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Covington, OH
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ZIP Code 45318: Basic Data & USPS Preferred City Name

Preferred Name, USPS
Covington, OH 45318

  • ZIP Code Type: STANDARD
  • County: Miami County
  • Centroid: Latitude 40.128, Longitude -84.348
  • Time Zone: Eastern Time Zone (UTC -5 hours)
  • Observes DST: Yes

ZIP Code 45318 has segments in 2 Counties (Darke, Miami).

  • Businesses Addresses: 164
  • PO Box Addresses: 42
  • Residential Addresses: 2,169
    • Multi-Family Addresses: 0
    • Single Family Addresses: 2,169

The ZIP Code maps and database are updated 4 times per year.
Database updated: June 1, 2025, Maps updated: May 1, 2024.

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Covington, OH 45318 Data & Demographics (As of July 1, 2025)

POPULATION

Total Population 5,433 (100%)
Population in Households 5,386 (99.1%)
Population in Families 4,539 (83.5%)
Population in Group Quarters1 47 ( 0.9%)
Population Density 112
Diversity Index2 14
 
 

INCOME

Median Household Income $68,614
Average Household Income $82,282
% of Income for Mortgage4 24%
Per Capita Income $32,032
Wealth Index5 65
Socioeconomic Status Index6 Moderate (54.5)
 

HOUSING

Total HU (Housing Units) 2,275 (100%)
Owner Occupied HU 1,646 (72.4%)
Renter Occupied HU 468 (20.6%)
Vacant Housing Units 161 ( 7.1%)
Median Home Value $260,880
Average Home Value $316,973
Housing Affordability Index3 93
 

HOUSEHOLDS

Total Households 2,114
Average Household Size 2.55
Family Households 1,456
Average Family Size 3.00
NOTES
  1. Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
  2. The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
  3. The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
  4. The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
  5. The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.
  6. The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

GROWTH RATE / YEAR

 2020-2025 2025-2030
Population 0.13% 0.09%
Households 0.28% 0.24%
Families   -0.35%
Median Household Income   2.11%
Per Capita Income   2.28%
Owner Occupied HU   0.47%

Covington, OH 45318 - Peer Comparisons by Rank and Percentile

The table below compares 45318 to the other 1,135 ZIP Codes in Ohio by rank and percentile using July 1, 2025 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

Variable Description Rank Percentile
Total Population # 505 56th
Population Density # 692 39th
Median Household Income # 636 44th
Housing Affordability Index # 221 19th
Per Capita Income # 782 31st
Diversity Index # 815 28th

Additional comparisons and rankings can be made with a VERY EASY TO USE Ohio Census Data Comparison Tool.


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