ZIP Code 45786

ZIP code 45786 is classified by USPS as a standard delivery area and covers roughly 169.4 square miles in Waterford, Washington County, Ohio. The area is home to 3,253 residents, producing a population density of 19 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 45786 against Ohio and the nation.

On the economic side, the median household income for ZIP 45786 sits at $70,917 (3% below the Ohio average), while per-capita income is $39,075. The poverty rate stands at 8.2% and the unemployment rate at 1.9%. On housing, the median home value is $218,500 (11% above the state average) with median rent at $821 per month, and 88.5% of occupied units are owner-occupied, a direct signal of whether 45786 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 28.0% of adults hold a bachelor's degree or higher, the median age is 50.6, and the average commute is 23 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Washington County, so you can benchmark 45786 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →