| ZIP Code | 45786 |
|---|---|
| City | Waterford |
| State | Ohio (OH) |
| County | Washington County |
| Area Code | 220 |
| Elevation | 845 ft |
| Latitude | 39.502663 |
|---|---|
| Longitude | -81.655053 |
| Timezone | New York (DST) |
| FIPS | 39167 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 49.0 yrs ↑ 18% since 2019 |
|---|---|
| Avg Household Size | 2.39 |
| Below Poverty | 8.6% ▼ 14% below avg |
| College Grads | 34.7% ▼ 10% below avg |
| Unemployment | 3.8% ▼ 22% below avg |
| HS Graduate | 1,043 (49.1%) |
| Some College | 161 (7.6%) |
| Associates | 183 (8.6%) |
| Bachelors | 366 (17.2%) |
| Graduate Degree | 372 (17.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $61,295 ▼ 20% below avg ↓ 12% since 2019 |
|---|---|
| Median Home Value | $194,500 ▼ 30% below avg ↑ 69% since 2019 |
| Home/Income Ratio | 3.2x (nat avg ~3.5x) |
| Median Rent | $854/mo ↑ 5% since 2019 |
| Total Units | 1,312 |
| Vacant Units | 51 |
| Avg HH Size | 2.39 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,312 |
|---|---|
| Vacant | 51 |
| Owner Occupied | 85.6% |
| Renter Occupied | 14.4% |
| Avg HH Size | 2.39 |
ZIP code 45786 is located in Waterford, Ohio, within Washington County. With a population of 3,019, this is a sparsely populated ZIP code with a mature community — the median age is 49 years. Economically, 45786 is a solidly middle-class ZIP code: the median household income of $61,295 is below the national average.
Real estate in ZIP code 45786 represents an affordable housing market. The median home value of $194,500 is below the national average. Renters can expect to pay around $854 per month in median rent. Homeownership is strong here — 85.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 69% since 2019.
The population of 45786 is primarily White (99.64%). Residents are moderately educated — 34.7% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 8.6%. Household income has declined by 12% since 2019.
The unemployment rate in 45786 stands at 3.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 85%.
Overall, ZIP code 45786 in Waterford, OH is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 3,019 residents, a median household income of $61,295, and a median home value of $194,500, it offers a clear picture of life in this part of Ohio.