ZIP Code 45434 — Beavercreek city, OH Demographics & Data

ZIP code 45434 covers Beavercreek, OH in Greene County with a population of about 12,482.

At a glance, the area shows median age of 43.0 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.

Beavercreek, OH reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.1%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 45434 is about $142,260 — about 89% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.4%; unemployment rate near 3.8%; 57.9% of adults with a bachelor’s degree or higher (about 24.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Public administration; about 15.9% of workers reporting work-from-home (roughly in line with 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 $290,500 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,241 (about 7% above the U.S. median rent ($1,163)), and owner-occupancy near 92.5% (about 27.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45434 in Beavercreek, OH, a household would need roughly $80,000 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 $1,866. That sits below the local median household income ($142,260), 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 Beavercreek city, 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 Beavercreek city, OH show little to no average snow and around 41.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 529 for ZIP 45434 (Beavercreek 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.