ZIP Code 45070 — West Elkton village, OH Demographics & Data

ZIP code 45070 covers West Elkton, OH in Preble County with a population of about 146.

At a glance, the area shows median age of 33.0 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 45070 is about $64,375 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 39.7%; unemployment rate near 21.1%; 4.6% of adults with a bachelor’s degree or higher (about 29.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Manufacturing, and Administrative support; about 6.7% of workers reporting work-from-home (about 8.5 points below the U.S. share (15.2%)); a mean commute of about 56.0 minutes (U.S. average near 26.8).

Median home value is about $96,000 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $967 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 69.1% (about 3.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45070 in West Elkton, OH, a household would need roughly $26,000 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 $617. That sits below the local median household income ($64,375), 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 West Elkton 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 West Elkton 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 6 for ZIP 45070 (West Elkton 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.