Best Places45106, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45106, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
45106 ranks 14,344th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and long commutes are the weak spot.
The best neighborhoods in 45106
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
45106's strengths and weaknesses
Where 45106 ranks high
- Cheap car insuranceBetter than 94% of zip codes
- School gradeA−, better than 84% of zip codes
- Low income/sales/gas taxBetter than 80% of zip codes
- Disaster safetyBetter than 80% of zip codes
- Voter turnoutBetter than 74% of zip codes
Where 45106 ranks low
- Short commute36.7 minutes each way, better than only 8% of zip codes
- Cheap childcare$1,223 a month, better than only 20% of zip codes
- Health outlookBetter than only 24% of zip codes
- Educational attainmentBetter than only 28% of zip codes
- Air qualityBetter than only 31% of zip codes
What it costs to buy a home in 45106
A household needs to earn about $59,000 a year to comfortably buy the median 45106 home, at 20% down and today's 30-year rate. That is below the area's own median income of $77,070, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 45106's effective rate of 0.96%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 45106
45106 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45106.
Who works in 45106, and how
Work in 45106 centers on manufacturing and construction. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 87%
- Work from home 10%
- Transit, walk, or bike 3%
Life in 45106
45106 has fewer places to eat and drink per resident than most zip codes and more parkland per resident than 78% of zip codes. Dining, parks, and nightlife concentrates in some parts of 45106 and thins out in others, which the map shows.
What the weather is like in 45106, month by month
45106 sees roughly 79 pleasant days a year. July highs average about 86 degrees. January highs sit near 41, with lows near 27. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 41° | 33° | 27° |
| April | 66° | 55° | 46° |
| July | 86° | 76° | 67° |
| October | 69° | 58° | 49° |
Flying in and out of 45106
Cincinnati/Northern Kentucky International sits about 32 miles away. It is a medium hub and boarded 4.4 million passengers in 2025, with 99 nonstop destinations.
The best schools in and around 45106
Schools across 45106 average an A−, better than 84% of zip codes.
Top elementary schools
- Williamsburg Elementary SchoolA · 72% proficient
- Hill Intermediate Elementary SchoolA · 72% proficient
- Monroe Elementary SchoolA · 70% proficient
Top middle schools
- Bethel-tate Middle SchoolA · 66% proficient
- Mt Orab Middle SchoolA · 63% proficient
- New Richmond Middle SchoolA− · 57% proficient
Top high schools
- Bethel Tate High SchoolA− · 62% proficient
- Batavia High SchoolB+ · 58% proficient
- New Richmond High SchoolB+ · 52% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45106 school and its grade on SchoolGrade.
45106 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 45106 against the other 33,109 zip codes.
Common questions about living in 45106
Is 45106 a good place to live?
Using BestNeighborhood's default rankings, 45106 ranks 14,344th of 33,110 zip codes. It scores highest on cheap car insurance, good schools, and low taxes, and lowest on long commutes and childcare costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45106 expensive to live in?
The median home is worth $219,325. The overall cost of living runs about 12% below the national average. Set against a $77,070 median income, cost of living beats 55% of zip codes.
Is 45106 safe?
45106 is safer than 38% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $326 per resident a year.
Compare 45106 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45106. Scores are absolute rather than ranked, which means a 60 in 45106 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
45106 detail on BestNeighborhood maps:
- Walk Grade for 45106: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45106: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45106: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45106: carrier by carrier coverage behind the cell score.
45106 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.