Best Places45631, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45631, 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.
45631 ranks 16,251st of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and the weather ranks lowest.
The best neighborhoods in 45631
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.
45631's strengths and weaknesses
Where 45631 ranks high
- Cheap car insuranceBetter than 94% of zip codes
- Housing crash safetyBetter than 80% of zip codes
- Low income/sales/gas taxBetter than 80% of zip codes
- Short commute21.4 minutes each way, better than 79% of zip codes
- Disaster safetyBetter than 74% of zip codes
Where 45631 ranks low
- Nice weatherabout 61 pleasant days a year, better than only 10% of zip codes
- Health outlookBetter than only 13% of zip codes
- Internet speedBetter than only 14% of zip codes
- Household income$63,965 median, better than only 32% of zip codes
- TransitBetter than only 35% of zip codes
What it costs to buy a home in 45631
A household needs to earn about $42,000 a year to comfortably buy the median 45631 home, at 20% down and today's 30-year rate. That is below the area's own median income of $63,965, 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 45631's effective rate of 0.99%, 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 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 45631
45631 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 45631.
Who works in 45631, and how
Work in 45631 centers on health care & social and education. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 86%
- Work from home 9%
- Transit, walk, or bike 5%
Life in 45631
45631 has more restaurants and bars per resident than 84% of zip codes and more parkland per resident than 79% of zip codes. Dining, parks, and nightlife concentrates in some parts of 45631 and thins out in others, which the map shows.
What the weather is like in 45631, month by month
45631 sees roughly 61 pleasant days a year. July highs average about 88 degrees. January highs sit near 43, with lows near 22. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 43° | 32° | 22° |
| April | 69° | 54° | 40° |
| July | 88° | 75° | 64° |
| October | 71° | 56° | 43° |
Flying in and out of 45631
The nearest airport, Tri-State/Milton J Ferguson Field, is about 36 miles away and is a small airport. The nearest major hub is John Glenn Columbus International, about 89 miles away.
The best schools in and around 45631
Schools across 45631 average a B, better than 67% of zip codes.
Top elementary schools
- Green Elementary SchoolA− · 60% proficient
- Addaville Elementary SchoolB+ · 53% proficient
- Rio Grande Elementary SchoolB− · 43% proficient
Top middle schools
- River Valley Middle SchoolB+ · 51% proficient
- South Gallia Middle SchoolB+ · 50% proficient
- Gallia Academy Middle SchoolB · 46% proficient
Top high schools
- Gallia Academy High SchoolB+ · 52% proficient
- South Gallia High SchoolC · 33% proficient
- River Valley High SchoolC · 32% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45631 school and its grade on SchoolGrade.
45631 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 45631 against the other 33,109 zip codes.
Common questions about living in 45631
Is 45631 a good place to live?
Using BestNeighborhood's default rankings, 45631 ranks 16,251st of 33,110 zip codes. It scores highest on cheap car insurance, a stable housing market, and low taxes, and lowest on the weather and health outcomes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45631 expensive to live in?
The median home is worth $156,731. The overall cost of living runs about 22% below the national average. Set against a $63,965 median income, cost of living beats 50% of zip codes.
Is 45631 safe?
45631 is safer than 47% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $300 per resident a year.
Compare 45631 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45631. Scores are absolute rather than ranked, which means a 60 in 45631 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.
45631 detail on BestNeighborhood maps:
- Walk Grade for 45631: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45631: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45631: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45631: carrier by carrier coverage behind the cell score.
45631 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.