ZIP Code 45384 — Wilberforce CDP, OH Demographics & Data

ZIP code 45384 covers Wilberforce, OH in Greene County with a population of about 1,957.

At a glance, the area shows median age of 19.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 326, 937; U.S. House district OH-10; the DAYTON media market.

Wilberforce, OH sits in a university / college context (near payne theological seminary (0.0 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 45384 is about $83,125 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 12.3%; 58.1% of adults with a bachelor’s degree or higher (about 24.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Retail trade; about 6.3% of workers reporting work-from-home (about 8.9 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 $206,500 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.2% (about 9.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45384 in Wilberforce, OH, a household would need roughly $57,000 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 $1,327. That sits below the local median household income ($83,125), 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 Wilberforce CDP, OH as Relatively Low (composite score 75.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (75.4) and hurricane (37.6). 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 Wilberforce CDP, OH show little to no average snow and around 43.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 83 for ZIP 45384 (Wilberforce 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.