Best Places45370, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45370, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
45370 ranks 663rd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on what local pay buys by a wide margin, and the weather ranks lowest.
The best neighborhoods in 45370
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.
45370's strengths and weaknesses
Where 45370 ranks high
- Cost of living vs incomeBetter than 99% of zip codes
- Low vacancyBetter than 98% of zip codes
- Cheap car insuranceBetter than 97% of zip codes
- Household income$162,706 median, better than 97% of zip codes
- Healthcare accessBetter than 95% of zip codes
Where 45370 ranks low
- Nice weatherabout 56 pleasant days a year, better than only 4% of zip codes
- Low property taxBetter than only 10% of zip codes
- Cheap childcare$1,273 a month, better than only 17% of zip codes
- Air qualityBetter than only 20% of zip codes
- Local economyBetter than only 26% of zip codes
What it costs to buy a home in 45370
A household needs to earn about $117,000 a year to comfortably buy the median 45370 home, at 20% down and today's 30-year rate. That is below the area's own median income of $162,706, 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 45370's effective rate of 1.60%, 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 45370
45370 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45370.
Who works in 45370, and how
Work in 45370 centers on health care & social and professional & technical. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 82%
- Work from home 14%
- Transit, walk, or bike 3%
Life in 45370
The map and measures below break down dining, culture, and green space by neighborhood across 45370.
What the weather is like in 45370, month by month
45370 sees roughly 56 pleasant days a year. July highs average about 87 degrees. January highs sit near 41, with lows near 23. The comfortable stretch runs May, June, and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 41° | 32° | 23° |
| April | 67° | 54° | 42° |
| July | 87° | 76° | 66° |
| October | 70° | 58° | 46° |
Flying in and out of 45370
The nearest airport, James M Cox Dayton International, is about 22 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 52 miles away.
The best schools in and around 45370
Schools across 45370 average an A−, better than 86% of zip codes.
Top elementary schools
- Waynesville Elementary SchoolA+ · 73% proficient
- Cox Elementary SchoolB− · 40% proficient
Top middle schools
- Bellbrook Middle SchoolA+ · 82% proficient
- Waynesville Middle SchoolA+ · 82% proficient
- Warner Middle SchoolB · 44% proficient
Top high schools
- Bellbrook High SchoolA · 78% proficient
- Waynesville High SchoolA · 72% proficient
- Xenia High SchoolB · 50% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45370 school and its grade on SchoolGrade.
45370 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 45370 against the other 33,109 zip codes.
Common questions about living in 45370
Is 45370 a good place to live?
Using BestNeighborhood's default rankings, 45370 ranks 663rd of 33,110 zip codes. It scores highest on what local pay buys, few empty homes, and cheap car insurance, and lowest on the weather and property taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45370 expensive to live in?
The median home is worth $401,902. The overall cost of living runs about 4% below the national average. Set against a $162,706 median income, cost of living beats 99% of zip codes.
Is 45370 safe?
Yes, 45370 is safer than 80% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $217 per resident a year.
Compare 45370 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45370. Scores are absolute rather than ranked, which means a 60 in 45370 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.
45370 detail on BestNeighborhood maps:
- Walk Grade for 45370: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45370: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45370: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45370: carrier by carrier coverage behind the cell score.
45370 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.