ZIP Code 45177 — Wilmington city, OH Demographics & Data

ZIP code 45177 covers Wilmington, OH in Clinton County with a population of about 22,442.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 326, 937; U.S. House district OH-2; the CINCINNATI media market.

Wilmington, OH sits in a university / college context (near wilmington college (1.8 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 45177 is about $70,483 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.4%; unemployment rate near 4.5%; 26.3% of adults with a bachelor’s degree or higher (about 7.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Healthcare; about 7.4% of workers reporting work-from-home (about 7.8 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 $209,400 — about 40% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $738 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 69.4% (about 4.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45177 in Wilmington, OH, a household would need roughly $58,000 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 $1,345. That sits below the local median household income ($70,483), 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 Wilmington city, OH as Very Low (composite score 34.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (44.7) and hurricane (35.3). 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 Wilmington city, OH show little to no average snow and around 43.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 952 for ZIP 45177 (Wilmington 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.