Waterford, OH · standard
ZIP Code 45786
Washington County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,253
- 19/sq mi Moderate-density area
- $70,917
- Median income Near-median income area
- $218,500
- Median home value Near-median home value
- 28.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Waterford pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 48th pct
- household income, US ZIPs
- 49th pct
- home value, US ZIPs
- 19
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45786 against every reporting US ZIP.
ZIP code 45786 covers 169.4 square miles in Waterford, Washington County, Ohio (a standard USPS delivery area), with a modest 3,253 residents on file, a density of 19 people per square mile, in the New York time zone.
ZIP 45786 lands in the middle-income range, with a median household income of $70,917 (3% below the average Ohio ZIP), while per-capita income is $39,075. The poverty rate is 8.2%, with unemployment at 1.9%; those measures add context to the income figure. Median home value is $218,500 (11% above the average Ohio ZIP) and median rent is $821; 88.5% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 28.0% of adults hold a bachelor's degree or higher, the median age is 50.6, and the average commute is 23 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Washington County, so 45786 can be compared with both its immediate and county-level context.
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 45786
Top 5 sectors by establishment count in Waterford, OH
Which industries have the most business establishments in ZIP 45786.
- Construction
Construction
23 establishments
- Manufacturing 7
Manufacturing
7 establishments
- Retail trade 6
Retail trade
6 establishments
- Transportation and warehousing 4
Transportation and warehousing
4 establishments
- Administrative and support and waste management and remediation services 4
Administrative and support and waste management and remediation services
4 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45786, Waterford, 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
3,253
Population
169.4
Area (sq mi)
19
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45786?
50.6
Median Age
53.2%
Male
46.8%
Female
0.0%
Foreign-Born
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?
$70,917
Median Household Income
-3% vs state ZIP avg
$39,075
Per Capita Income
8.2%
Poverty Rate
1.9%
Unemployment Rate
22.8 min
Mean Commute Time
How ZIP 45786 ranks among Ohio ZIPs
Waterford, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$70,917 Top 49% higher than 51% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,417housing units
1,417
Total Housing Units
1,353
Occupied Units
64
Vacant Units
2.36
Avg Household Size
Occupancy Type
$218,500
Median Home Value
+11% vs state ZIP avg
$821
Median Rent
1979
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 55 business establishments in ZIP 45786, employing approximately 702 people with a combined annual payroll of $45,757,000.
55
Businesses
702
Employees
$45.8M
Annual Payroll
6
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 23 | 41.8% |
| Manufacturing | 7 | 12.7% |
| Retail trade | 6 | 10.9% |
| Transportation and warehousing | 4 | 7.3% |
| Administrative and support and waste management and remediation services | 4 | 7.3% |
| Other services (except public administration) | 4 | 7.3% |
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 45786 vs 45787 →
ZIP 45786 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45784
Vincent (45784)
3,386 residents
- 45786
Waterford (45786)
3,253 residents
- 45744
Lowell (45744)
2,728 residents
- 45715
Beverly (45715)
2,630 residents
- 45724
Cutler (45724)
1,744 residents
- 45729 1,289
Fleming (45729)
1,289 residents
- 45787 29
Watertown (45787)
29 residents
- 45721 29
Coal Run (45721)
29 residents
What this shows Among its immediate neighbors, ZIP 45786 ranks #2 by population - useful context the national average alone can't give.
ZIP 45786 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45784
Vincent (45784)
$82,713 median income
- 45729
Fleming (45729)
$82,110 median income
- 45786
Waterford (45786)
$70,917 median income
- 45744
Lowell (45744)
$69,148 median income
- 45724
Cutler (45724)
$58,500 median income
- 45715
Beverly (45715)
$47,176 median income
What this shows By household income, ZIP 45786 ranks #3 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45786, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,253 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Washington County
Related Areas
Frequently Asked Questions
What county is ZIP code 45786 in?
ZIP code 45786 (Waterford) is located in Washington County, Ohio. Washington County contains multiple ZIP codes, see the full list at /counties/washington-oh.
What is the population of ZIP code 45786?
ZIP code 45786 in Waterford, OH has a population of 3,253 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45786?
The median household income in ZIP 45786 is $70,917, which is 7% below the national average of $76,288.
What is the average home value in ZIP 45786?
The median home value in ZIP 45786 is $218,500, which is 21% below the national average of $278,155.
What is the demographic makeup of ZIP 45786?
The largest racial group in ZIP 45786 is White at 99.5%. Hispanic or Latino residents make up 0.3% of the population.
How many businesses are in ZIP code 45786?
ZIP code 45786 has 55 business establishments employing approximately 702 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45786?
The top industries by establishment count in ZIP 45786 are: Construction (23), Manufacturing (7), Retail trade (6). There are 6 industry sectors represented in total.
What is the education level in ZIP code 45786?
In ZIP code 45786, 69.1% of residents aged 25+ have a high school diploma or higher, and 28.0% 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 45786?
The mean commute time for workers in ZIP code 45786 is 22.8 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 45786?
In ZIP code 45786, approximately 88.5% of occupied housing units are owner-occupied and 11.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45786?
The poverty rate in ZIP code 45786 is 8.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 45786's numbers, next.
- See how ZIP 45786 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waterford, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.