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ZIP code 45036 is located in Warren County, Ohio, centered near Lebanon, with a total population of 43,262 and a median age of 38.0. This is a urban community where 14.7% of residents are 65 or older (approximately 6,361 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 85.4% White, 7.8% Black/African American, 1.6% Hispanic/Latino, 2.7% Asian. About 32.3% of adults hold a bachelor's degree or higher.
The median household income is $97,944, above the national median. Higher-income Medicare beneficiaries should note that Income-Related Monthly Adjustment Amounts (IRMAA) may apply to Part B and Part D premiums for individuals earning above $106,000 or couples above $212,000 annually. The poverty rate is relatively low at 5.5%. The unemployment rate is 1.8%. The median home value is $317,600 and median monthly rent is $1,090. Medicare beneficiaries in Warren County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Ohio SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.