ZIP 45866 vs ZIP 45822

This side-by-side compares ZIP 45866 (Montezuma, OH) and ZIP 45822 (Celina, OH) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 45866 has a population of 186 at 379 people per square mile, while ZIP 45822 has 18,943 at 45 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 45866 reports a median household income of $80,833 against $70,200 in ZIP 45822, with per-capita income of $40,749 vs $36,012. The share of adults holding a bachelor's degree or higher is 20.0% in 45866 and 20.1% in 45822. Poverty rate reads 4.3% vs 9.5%, and unemployment 10.0% vs 1.8% — 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 $110,900 in 45866 versus $182,700 in 45822, with median rent of $1,313 and $784 per month respectively. Homeownership rate is 91.1% vs 75.8%. 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.