ZIP Code 45864 — Miller City village, OH Demographics & Data

ZIP code 45864 covers Miller City, OH in Putnam County with a population of about 185.

At a glance, the area shows median age of 38.5 (near the U.S. median).

It sits in telephone area codes 419, 567; U.S. House district OH-5; the LIMA media market.

Median household income in ZIP 45864 is about $76,250 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 0.0%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Manufacturing, and Construction; about 2.2% of workers reporting work-from-home (about 13.0 points below the U.S. share (15.2%)); a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $164,100 — about 53% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.0% (about 21.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45864 in Miller City, OH, a household would need roughly $45,000 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 $1,054. That sits below the local median household income ($76,250), 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 Miller City village, OH as Very Low (composite score 32.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (52.8) and hurricane (40.2). 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 Miller City village, OH show little to no average snow and around 38.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 45864 (Miller City 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.