Best Places45361, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45361, 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.
45361 ranks 8,526th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and tree cover ranks lowest.
The best neighborhoods in 45361
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.
45361's strengths and weaknesses
Where 45361 ranks high
- Cheap car insuranceBetter than 97% of zip codes
- Low vacancyBetter than 88% of zip codes
- Disaster safetyBetter than 84% of zip codes
- School gradeA−, better than 83% of zip codes
- Healthcare accessBetter than 81% of zip codes
Where 45361 ranks low
- Tree shadeBetter than only 4% of zip codes
- Nice weatherabout 60 pleasant days a year, better than only 8% of zip codes
- WalkabilityBetter than only 15% of zip codes
- Air qualityBetter than only 21% of zip codes
- Educational attainmentBetter than only 23% of zip codes
What it costs to buy a home in 45361
A household needs to earn about $46,000 a year to comfortably buy the median 45361 home, at 20% down and today's 30-year rate. That is below the area's own median income of $91,250, 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 45361's effective rate of 0.97%, 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 4 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 45361
45361 runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45361.
Who works in 45361, and how
Work in 45361 centers on construction and manufacturing. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 92%
- Work from home 6%
- Transit, walk, or bike 2%
Life in 45361
The map and measures below break down dining, culture, and green space by neighborhood across 45361.
What the weather is like in 45361, month by month
45361 sees roughly 60 pleasant days a year. July highs average about 87 degrees. January highs sit near 40, with lows near 22. The comfortable stretch runs May, June, and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 40° | 30° | 22° |
| April | 67° | 53° | 41° |
| July | 87° | 76° | 66° |
| October | 70° | 57° | 46° |
Flying in and out of 45361
The nearest airport, James M Cox Dayton International, is about 11 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 65 miles away.
The best schools in and around 45361
Schools across 45361 average an A−, better than 83% of zip codes.
Top elementary schools
- Milton-union Elementary SchoolA− · 57% proficient
Top middle schools
- Milton-union Middle SchoolA · 61% proficient
Top high schools
- Milton-union High SchoolB+ · 55% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45361 school and its grade on SchoolGrade.
45361 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 45361 against the other 33,109 zip codes.
Common questions about living in 45361
Is 45361 a good place to live?
Using BestNeighborhood's default rankings, 45361 ranks 8,526th of 33,110 zip codes. It scores highest on cheap car insurance, few empty homes, and low disaster risk, and lowest on tree cover and the weather. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45361 expensive to live in?
The median home is worth $171,400. The overall cost of living runs about 9% below the national average. Set against a $91,250 median income, cost of living beats 73% of zip codes.
Is 45361 safe?
Yes, 45361 is safer than 69% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $224 per resident a year.
Compare 45361 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45361. Scores are absolute rather than ranked, which means a 60 in 45361 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.
45361 detail on BestNeighborhood maps:
- Walk Grade for 45361: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45361: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45361: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45361: carrier by carrier coverage behind the cell score.
45361 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.