PlainZIP

Jackson, OH · standard

ZIP Code 45640

Jackson County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

15,960
35/sq mi
$59,566
Median income
$168,800
Median home value
18.8%
Bachelor's or higher

The verdict

Jackson pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

28th pct
household income, US ZIPs
34th pct
home value, US ZIPs
35
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45640 against every reporting US ZIP.

ZIP code 45640 is a mid-sized community (a standard USPS delivery area) in Jackson, Jackson County, Ohio, home to 15,960 residents across 461.3 square miles, a density of 35 people per square mile, in the New York time zone.

ZIP 45640 reports a modest median household income of $59,566 (18% below the Ohio average), while per-capita income is $32,534. Local economic indicators show a 14.5% poverty rate alongside 2.8% unemployment. Housing costs here run $168,800 for a typical home value (14% below the state average), with rent averaging $748 a month; 72.9% of homes are owner-occupied.

Educational attainment sits below the national norm: 18.8% of adults hold a bachelor's degree or higher, the median age is 41.4, and the average commute is 25 minutes. To put 45640 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 4 additional ZIPs in Jackson County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 45640

Top 5 sectors by establishment count in Jackson, OH

Which industries have the most business establishments in ZIP 45640.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45640, Jackson, OH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

15,960

Population

461.3

Area (sq mi)

35

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 45640?

41.4

Median Age

51.1%

Male

48.9%

Female

1.6%

Foreign-Born

White 95.0%
African American 0.4%
Asian 1.1%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.3%
Hispanic or Latino 1.2%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$59,566

Median Household Income

-18% vs state

$32,534

Per Capita Income

14.5%

Poverty Rate

2.8%

Unemployment Rate

25.1 min

Mean Commute Time

How ZIP 45640 ranks nationally

Jackson, OH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$59,566 28th percentile higher than 28% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 60.2%
Bachelor's Degree or Higher 18.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

7,213

Total Housing Units

6,590

Occupied Units

623

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 72.9%
Renter 27.1%

$168,800

Median Home Value

-14% vs state

$748

Median Rent

1979

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+0.5%

YoY Change (2024)

230

HPI Index (2000 = 100)

+130%

Total Change Since 2000

Home values in ZIP 45640 have increased 0.5% over the past year (2024). Since 2000, this ZIP has seen +130% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.8% 151
2021 +9.5% 166
2022 +11.7% 185
2023 +23.6% 229
2024 +0.5% 230

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 408 business establishments in ZIP 45640, employing approximately 5,729 people with a combined annual payroll of $217,649,000.

408

Businesses

5,729

Employees

$217.6M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 78 19.1%
Health care and social assistance 65 15.9%
Other services (except public administration) 49 12.0%
Accommodation and food services 41 10.1%
Construction 30 7.3%
Professional, scientific, and technical services 24 5.9%
Finance and insurance 23 5.6%
Transportation and warehousing 16 3.9%
Manufacturing 15 3.7%
Wholesale trade 13 3.2%
Real estate and rental and leasing 13 3.2%
Administrative and support and waste management and remediation services 13 3.2%
Information 10 2.5%
Arts, entertainment, and recreation 8 2.0%
Agriculture, forestry, fishing and hunting 3 0.7%
Industries not classified 3 0.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 45640 vs 45621 →

ZIP 45640 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 45640 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45640 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 45640 ranks the highest of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
45621 Coalton, OH 313 6.6 mi
45692 Wellston, OH 8,773 8.8 mi
45656 Oak Hill, OH 6,639 10.6 mi

More ZIP Codes in Jackson County

45692 standard
Wellston, OH
Pop: 8,773
45656 standard
Oak Hill, OH
Pop: 6,639
45672 standard
Ray, OH
Pop: 1,749
45621 standard
Coalton, OH
Pop: 313

Related Areas

Jackson County Jackson, OH Ohio

Frequently Asked Questions

What county is ZIP code 45640 in? ▼
ZIP code 45640 (Jackson) is located in Jackson County, Ohio. Jackson County contains multiple ZIP codes, see the full list at /counties/jackson-oh.
What is the population of ZIP code 45640? ▼
ZIP code 45640 in Jackson, OH has a population of 15,960 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45640? ▼
The median household income in ZIP 45640 is $59,566, which is 22% below the national average of $76,288.
What is the average home value in ZIP 45640? ▼
The median home value in ZIP 45640 is $168,800, which is 39% below the national average of $278,155.
What is the demographic makeup of ZIP 45640? ▼
The largest racial group in ZIP 45640 is White at 95.0%. Hispanic or Latino residents make up 1.2% of the population.
How many businesses are in ZIP code 45640? ▼
ZIP code 45640 has 408 business establishments employing approximately 5,729 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45640? ▼
The top industries by establishment count in ZIP 45640 are: Retail trade (78), Health care and social assistance (65), Other services (except public administration) (49). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 45640? ▼
According to the FHFA House Price Index, home values in ZIP 45640 increased by 0.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 130%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 45640? ▼
In ZIP code 45640, 60.2% of residents aged 25+ have a high school diploma or higher, and 18.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 45640? ▼
The mean commute time for workers in ZIP code 45640 is 25.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 45640? ▼
In ZIP code 45640, approximately 72.9% of occupied housing units are owner-occupied and 27.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45640? ▼
The poverty rate in ZIP code 45640 is 14.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.