| ZIP Code | 45828 |
|---|---|
| City | Coldwater |
| State | Ohio (OH) |
| County | Mercer County |
| Area Code | 419/567 |
| Elevation | 904 ft |
| Latitude | 40.483642 |
|---|---|
| Longitude | -84.682889 |
| Timezone | New York (DST) |
| FIPS | 39107 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 32.2 yrs ↓ 6% since 2019 |
|---|---|
| Avg Household Size | 2.89 |
| Below Poverty | 3.4% ▼ 66% below avg |
| College Grads | 40.6% ≈ Avg |
| Unemployment | 1.5% ▼ 70% below avg |
| HS Graduate | 1,570 (43.5%) |
| Some College | 302 (8.4%) |
| Associates | 270 (7.5%) |
| Bachelors | 464 (12.9%) |
| Graduate Degree | 1,002 (27.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $77,857 ≈ Avg ↑ 22% since 2019 |
|---|---|
| Median Home Value | $233,700 ▼ 16% below avg ↑ 52% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $824/mo ↑ 35% since 2019 |
| Total Units | 2,164 |
| Avg HH Size | 2.89 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,164 |
|---|---|
| Owner Occupied | 77.9% |
| Renter Occupied | 22.1% |
| Avg HH Size | 2.89 |
ZIP code 45828 is located in Coldwater, Ohio, within Mercer County. With a population of 6,343, this is a lightly populated ZIP code with a relatively young community — the median age is 32.2 years. Economically, 45828 is a middle-income ZIP code: the median household income of $77,857 is near the national average.
Real estate in ZIP code 45828 represents an affordable housing market. The median home value of $233,700 is below the national average. Renters can expect to pay around $824 per month in median rent. Homeownership is strong here — 77.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 52% since 2019.
The population of 45828 is primarily White (93.55%). Residents are well-educated — 40.6% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 3.4%. Household income has grown by 22% since 2019.
The unemployment rate in 45828 stands at 1.5%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 84%.
Overall, ZIP code 45828 in Coldwater, OH is characterized as middle-income, well-educated, a relatively young community, and predominantly owner-occupied. With 6,343 residents, a median household income of $77,857, and a median home value of $233,700, it offers a clear picture of life in this part of Ohio.