ZIP 45822 vs ZIP 45828

This side-by-side compares ZIP 45822 (Celina, OH) and ZIP 45828 (Coldwater, OH) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 45822 has a population of 18,943 at 45 people per square mile, while ZIP 45828 has 6,125 at 72 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 45822 reports a median household income of $70,200 against $72,703 in ZIP 45828, with per-capita income of $36,012 vs $30,304. The share of adults holding a bachelor's degree or higher is 20.1% in 45822 and 26.7% in 45828. Poverty rate reads 9.5% vs 5.3%, and unemployment 1.8% vs 2.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $182,700 in 45822 versus $252,100 in 45828, with median rent of $784 and $846 per month respectively. Homeownership rate is 75.8% vs 72.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.