Best Places45331, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45331, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
45331 ranks 14,516th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and health outcomes rank lowest.
The best neighborhoods in 45331
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.
45331's strengths and weaknesses
Where 45331 ranks high
- Cheap car insuranceBetter than 99% of zip codes
- Internet speedBetter than 92% of zip codes
- Short commute19.6 minutes each way, better than 86% of zip codes
- Low vacancyBetter than 79% of zip codes
- School gradeB+, better than 78% of zip codes
Where 45331 ranks low
- Health outlookBetter than only 16% of zip codes
- Household income$58,425 median, better than only 22% of zip codes
- Air qualityBetter than only 26% of zip codes
- Educational attainmentBetter than only 28% of zip codes
- Cost of living vs incomeBetter than only 28% of zip codes
What it costs to buy a home in 45331
A household needs to earn about $43,000 a year to comfortably buy the median 45331 home, at 20% down and today's 30-year rate. That is below the area's own median income of $58,425, 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 45331's effective rate of 0.86%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 8 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 45331
45331 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45331.
Who works in 45331, and how
Work in 45331 centers on manufacturing and health care & social. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 90%
- Work from home 6%
- Transit, walk, or bike 4%
Life in 45331
45331 has more parkland per resident than 91% of zip codes. That concentrates in some parts of 45331 and thins out in others, which the map shows.
What the weather is like in 45331, month by month
45331 sees roughly 83 pleasant days a year. July highs average about 83 degrees. January highs sit near 35, with lows near 23. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 35° | 28° | 23° |
| April | 61° | 50° | 41° |
| July | 83° | 73° | 64° |
| October | 66° | 55° | 46° |
Flying in and out of 45331
The nearest airport, James M Cox Dayton International, is about 26 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 73 miles away.
The best schools in and around 45331
Schools across 45331 average a B+, better than 78% of zip codes.
Top elementary schools
- Franklin Monroe Elementary SchoolA+ · 82% proficient
- Arcanum Elementary SchoolA+ · 75% proficient
- Tri-village Elementary SchoolA · 71% proficient
Top middle schools
- Butler Middle SchoolA+ · 76% proficient
- Ansonia Middle SchoolA+ · 72% proficient
- Greenville Middle SchoolB+ · 50% proficient
Top high schools
- Tri-village High SchoolA · 74% proficient
- Franklin Monroe High SchoolA · 70% proficient
- Arcanum High SchoolA · 70% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45331 school and its grade on SchoolGrade.
45331 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 45331 against the other 33,109 zip codes.
Who 45331 suits
Remote workers
Internet is fast and widely advertised and 6% already work from home.
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 45331
Is 45331 a good place to live?
Using BestNeighborhood's default rankings, 45331 ranks 14,516th of 33,110 zip codes. It scores highest on cheap car insurance, fast internet, and short commutes, and lowest on health outcomes and low incomes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45331 expensive to live in?
The median home is worth $163,441. The overall cost of living runs about 16% below the national average. Set against a $58,425 median income, cost of living beats 28% of zip codes.
Is 45331 safe?
45331 is safer than 42% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $308 per resident a year.
What is the weather like in 45331?
July highs average about 83 degrees, and January highs near 35 with lows near 23. That works out to about 83 pleasant days a year, more than 48% of zip codes.
Is 45331 good for families?
Schools beat 78% of zip codes, crime safety beats 42%, and childcare runs $764 a month.
Compare 45331 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45331. Scores are absolute rather than ranked, which means a 60 in 45331 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.
45331 detail on BestNeighborhood maps:
- Walk Grade for 45331: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45331: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45331: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45331: carrier by carrier coverage behind the cell score.
45331 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.