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ZIP Code 45309

Montgomery, Ohio

FIPS 45309

Juniper

ZIP Code 45309 is in the top 17% nationally for appreciation 1yr %. It also sits in the top 28% nationally for FEMA risk score. And it sits in the top 28% nationally for HPI growth 5yr %.

Median Home Value

$214,700

Near the U.S. ZIP codes median

HPI Growth 5yr %

49%

Higher than 72% of U.S. ZIP codes

FEMA Risk Score

45.6

Lower than 72% of U.S. ZIP codes

The basics

Total Population

11,876

Median Age

46.7

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$214,700

Near median

Median Property Tax

$3,555

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.85

Near median

Median Rent

$982

Higher than 58%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

49%

Higher than 72%

Appreciation 1yr %

4.8%

Higher than 83%

Pandemic Gain %

48%

Recession Drop %

-18%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

84.4

Winter Avg Low (°F)

24.5

Avg Temperature (°F)

53.9

Hot Days/yr (>90°F)

15.5

Freezing Days/yr (<32°F)

109.9

Annual Precipitation (in)

41.7

Annual Snowfall (in)

25

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

45.6

Lower than 72%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 45309: frequently asked questions

What is the median home value in ZIP Code 45309?
The median home value in ZIP Code 45309 is $214,700, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 45309?
The median annual property tax in ZIP Code 45309 is $3,555, an effective rate of 2% of home value.
Is ZIP Code 45309 expensive to live in?
Homes in ZIP Code 45309 cost about 2.85× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 45309?
The median gross rent in ZIP Code 45309 is $982 a month, higher than 58% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 45309?
Home prices in ZIP Code 45309 have moved 49% over the past five years (4.8% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 45309?
ZIP Code 45309 averages 53.9°F year-round, summer highs near 84.4°F, winter lows around 24.5°F (NOAA 1991–2020 normals). It sees about 25 inches of snow a year.
Is ZIP Code 45309 at risk of flooding or natural disasters?
ZIP Code 45309's FEMA National Risk Index score is 45.6 (lower than 72% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →