Medicare in ZIP Code
45231
—
Cincinnati
40852
Population
39.2418
Latitude
-84.5437
Longitude
Demographic Data
ZIP code 45231 is located in Hamilton County, Ohio, centered near Cincinnati, with a total population of 40,852 and a median age of 40.8. This is a urban community where 19.1% of residents are 65 or older (approximately 7,800 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 48.0% White, 40.5% Black/African American, 2.9% Hispanic/Latino, 2.1% Asian. About 27.2% of adults hold a bachelor's degree or higher.
Economic Metrics
The median household income is $69,140, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. With a poverty rate of 15.7%, a significant portion of residents may qualify for dual eligibility (Medicare and Medicaid), which provides additional benefits including dental, vision, and transportation assistance. The unemployment rate is 5.4%. The median home value is $164,900 and median monthly rent is $1,118. Medicare beneficiaries in Hamilton 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.