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ZIP code 45040 is located in Warren County, Ohio, centered near Mason, with a total population of 58,132 and a median age of 40.9. This is a urban community where 13.2% of residents are 65 or older (approximately 7,667 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 70.3% White, 4.1% Black/African American, 3.4% Hispanic/Latino, 18.7% Asian. The community is highly educated, with 64.9% of adults holding a bachelor's degree or higher, which often correlates with greater health literacy and proactive engagement with Medicare plan selection.
The median household income is $131,803, 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 4.6%. The unemployment rate is 2.7%. The median home value is $403,700 and median monthly rent is $1,691. 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.