HousingHandbookReference data

U.S. ZIP Code · OH45631

Gallia County

Typical home value

$166,080[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+6.0%
5-year / yr
+5.1%
10-year / yr
+5.0%

Relative price

vs U.S.
-41.5%
vs metro
vs state
-24.1%
ZIP 45631 location in OH
Location of ZIP 45631 in OH

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 45631 is worth $166,080. Over the past year, values have risen 6.0%. The effective property tax rate is 0.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.9%[3]
Typical annual tax
$1,571[3]

#Climate risk

FEMA National Risk Index ratings for Gallia County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Very Low
Tornado
Very Low
Earthquake
Very Low
Winter weather
Relatively Low

#Who lives here

Population
13,386[3]
Median household income
$56,835[3]

#Migration

Household moves in and out of Gallia County over a year, from IRS tax-return data.

Net migration
-43[5]
Moved in
468
Moved out
511

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
5
Elementary
3
Middle
1
High
1
  • Gallia Academy High School

    High · Grades 9–12 · Gallipolis City

    497 students

  • Gallia Academy Middle School

    Middle · Grades 6–8 · Gallipolis City

    448 students

  • Washington Elementary School

    Elementary · Grades PK–5 · Gallipolis City

    421 students

  • Addaville Elementary School

    Elementary · Grades PK–5 · Gallia County Local

    320 students

  • Green Elementary School

    Elementary · Grades PK–5 · Gallipolis City

    302 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$840
Loan principal$132,864
Down payment$33,216
Total interest paid$169,460

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,110
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 45631?
The typical home in 45631 is worth $166,080, based on the Zillow Home Value Index.
Are home values rising in 45631?
Home values in 45631 are up 6.0% over the past year, and up 5.1% a year over five years.
What is the property tax rate in 45631?
The effective property tax rate in 45631 is 0.9% — roughly $1,571 a year on a typical home.
Who lives in 45631?
ZIP code 45631 has a population of 13,386 and a median household income of $56,835.

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