Residential delivery area · Ohio
ZIP Code 45786: Waterford, OH
ZIP code 45786 uses the postal name Waterford, Ohio and lies mostly in Washington County (96% of its land) with the rest in Morgan County (Census 2020 ZIP-county file). About 3,200 people live there (Census Bureau, ACS 2020-2024). Median household income is $70,917 (Census Bureau, ACS 2020-2024). By Census place, under 1% of its land lies in Waterford (a census-designated place); more than 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2022
- ZBP2023
- IRS2022
- Town
- Waterford · its only residential ZIP
- County
- Washington County (96%); Morgan County (4%)
- Census places
- Waterford census-designated place
- Micro area
- Marietta, OH
- House districts
- OH-6 (96%), OH-12 (4%) 119th Congress, by share of land
- State
- Ohio
- Time zone
- Eastern
- Land area
- 63.3 sq mi · 50 people per sq mi
Where is ZIP code 45786?
45786 centers on 39.503°, -81.655° and covers 63.3 square miles of land plus 1.3 of water. It borders 8 ZIP codes: 45729, 45715, 43787, 45784, 45744, 45724, 45750, 43756.
The map draws ZIP code areas only. For the streets inside 45786, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 45786 compare with the rest of Washington County?
| Measure | 45786 | In Washington County | In OH |
|---|---|---|---|
| People (ACS 2020-2024) | 3,187 | 5th of 21 | 655th of 1,233 |
| Median household income | $71k | not ranked | not ranked |
| Median home value | $219k | 4th of 12 | 321st of 810 |
45786's median household income is not ranked: its 90% margin of error (±$18,722) is more than a quarter of the figure ($70,917). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 42% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 45786?
The 2020 Census counted 3,160 people in 45786; the ACS, which samples households over 2020-2024, estimates 3,187. Between the 2010 and 2020 censuses its population fell 2.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,187±395 (90% margin)
- 2020 Census count
- 3,160−2.9% since 2010 (3,253)
- Households
- 1,353
- Median age
- 50.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 45786?
Of the 3,187 people the ACS estimates in 45786, 20.6% are under 18 and 27.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (99.5%).
- Under 1820.6%
- 18 to 6452.2%
- 65 and older27.2%
- White, not Hispanic99.5%
- Hispanic or Latino0.3%
- Other or two or more0.2%
- Black, not Hispanic0.0%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 45786 earn?
Median household income is $70,917 (ACS 2020-2024). It is not measurably different from 2015-2019 ($85,949 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $70,917±$18,722
- Income per person
- $39,075
- Below the poverty line
- 8.2%
- Unemployed (of the labor force)
- 1.9%
- Adults 25+ with a bachelor's degree
- 28.0%
- Adjusted gross income per tax return, 2022
- $64,8291,470 returns; wages 74% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 45786?
- Median home value (owners' estimate)
- $218,500
- Median gross rent
- $821
- Homes owned by their occupants
- 88.5%
- Housing units
- 1,417
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 45786?
55 business establishments had a location in this ZIP code in 2023, 2 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction23
- Manufacturing7
- Retail trade6
- Transportation and warehousing4
- Administrative and support and waste management and remediation services4
- Other services (except public administration)4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 45786?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 45729 | Fleming | 2,121 | $82k | 6.4 mi |
| 45715 | Beverly | 2,006 | $47k | 7.6 mi |
| 43787 | Stockport | 2,524 | $46k | 8.0 mi |
| 45784 | Vincent | 3,002 | $83k | 8.0 mi |
| 45744 | Lowell | 2,179 | $69k | 9.2 mi |
| 45724 | Cutler | 1,218 | $59k | 11.3 mi |
| 45750 | Marietta | 26,420 | $60k | 12.9 mi |
| 43756 | McConnelsville | 5,573 | $63k | 15.1 mi |
| 45721 | Coal Run | 15 | – | 5.8 mi (near) |
| 45746 | Macksburg | 329 | $65k | 12.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.