| ZIP Code | 45887 |
|---|---|
| City | Spencerville |
| State | Ohio (OH) |
| County | Allen County |
| Area Code | 419/567 |
| Elevation | 820 ft |
| Latitude | 40.710853 |
|---|---|
| Longitude | -84.365128 |
| Timezone | New York (DST) |
| FIPS | 39003 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.7 yrs ↑ 7% since 2019 |
|---|---|
| Avg Household Size | 2.50 |
| Below Poverty | 10.8% ▲ 8% above avg |
| College Grads | 20.0% ▼ 48% below avg |
| Unemployment | 4.7% ≈ Avg |
| No HS Diploma | 113 (4.1%) |
| HS Graduate | 1,364 (49.8%) |
| Some College | 351 (12.8%) |
| Associates | 364 (13.3%) |
| Bachelors | 213 (7.8%) |
| Graduate Degree | 334 (12.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,838 ▼ 18% below avg ↑ 21% since 2019 |
|---|---|
| Median Home Value | $185,400 ▼ 33% below avg ↑ 59% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $808/mo ↑ 27% since 2019 |
| Total Units | 1,863 |
| Vacant Units | 147 |
| Avg HH Size | 2.50 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,863 |
|---|---|
| Vacant | 147 |
| Owner Occupied | 76.3% |
| Renter Occupied | 23.7% |
| Avg HH Size | 2.50 |
ZIP code 45887 is located in Spencerville, Ohio, within Allen County. With a population of 4,335, this is a lightly populated ZIP code with a middle-aged community — the median age is 39.7 years. Economically, 45887 is a solidly middle-class ZIP code: the median household income of $62,838 is below the national average.
Real estate in ZIP code 45887 represents an affordable housing market. The median home value of $185,400 is below the national average. Renters can expect to pay around $808 per month in median rent. Homeownership is strong here — 76.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 59% since 2019.
The population of 45887 is primarily White (96.26%). Residents are less-educated — 20.0% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 10.8%. Household income has grown by 21% since 2019.
The unemployment rate in 45887 stands at 4.7%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 81%.
Overall, ZIP code 45887 in Spencerville, OH is characterized as solidly middle-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 4,335 residents, a median household income of $62,838, and a median home value of $185,400, it offers a clear picture of life in this part of Ohio.