Medicare in ZIP Code
45318
—
5338
Population
40.1176
Latitude
-84.3496
Longitude
Demographic Data
ZIP code 45318 is located in Darke County, Ohio, centered near Covington, with a total population of 5,338 and a median age of 50.6. This is a rural community where 24.1% of residents are 65 or older (approximately 1,288 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 98.4% White. Approximately 13.1% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
Economic Metrics
The median household income is $64,239, 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. The poverty rate is relatively low at 5.3%. The unemployment rate is 5.1%. The median home value is $176,100 and median monthly rent is $701. Medicare beneficiaries in Darke 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.
Hospitals Near
45318
Cities Near
45318