ZIP Code 45317 — Rosewood CDP, OH Demographics & Data

ZIP code 45317 covers Rosewood, OH in Champaign County with a population of about 838.

At a glance, the area shows median age of 59.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 326, 937; U.S. House district OH-15; the DAYTON media market.

Rosewood, OH fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 45317 is about $101,023 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.6%; unemployment rate near 2.0%; 27.6% of adults with a bachelor’s degree or higher (about 6.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Agriculture; about 32.2% of workers reporting work-from-home (about 17.0 points above 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 $258,900 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $656 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 86.9% (about 21.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45317 in Rosewood, OH, a household would need roughly $71,000 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 $1,663. That sits below the local median household income ($101,023), 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 Rosewood CDP, OH as Very Low (composite score 26.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (43.8) and hurricane (27.6). 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 Rosewood CDP, OH show little to no average snow and around 41.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 36 for ZIP 45317 (Rosewood CDP, 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.