PlainZIP

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
$70,917
Median income
$218,500
Median home value
28.0%
Bachelor's or higher

The verdict

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 Ohio average), while per-capita income is $39,075. Local economic indicators show a 8.2% poverty rate alongside 1.9% unemployment. 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.

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. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Washington County, letting you compare 45786 to its immediate surroundings rather than a national baseline alone.

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.

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 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

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 45786?

50.6

Median Age

53.2%

Male

46.8%

Female

0.0%

Foreign-Born

White 99.5%
African American 0.3%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.2%
Hispanic or Latino 0.3%

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

$39,075

Per Capita Income

8.2%

Poverty Rate

1.9%

Unemployment Rate

22.8 min

Mean Commute Time

How ZIP 45786 ranks nationally

Waterford, OH household income vs. every US ZIP code

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

$70,917 48th percentile higher than 48% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 69.1%
Bachelor's Degree or Higher 28.0%

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

What does housing look like?

1,417

Total Housing Units

1,353

Occupied Units

64

Vacant Units

2.36

Avg Household Size

Occupancy Type

Owner 88.5%
Renter 11.5%

$218,500

Median Home Value

+11% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45786 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 45786 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 45786 ranks #3 of 6 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
45787 Watertown, OH 29 2.6 mi
45715 Beverly, OH 2,630 7.2 mi
45721 Coal Run, OH 29 5.7 mi
45729 Fleming, OH 1,289 6.6 mi
45784 Vincent, OH 3,386 8.2 mi
45744 Lowell, OH 2,728 8.3 mi
45724 Cutler, OH 1,744 11.2 mi

More ZIP Codes in Washington County

45750 standard
Marietta, OH
Pop: 27,785
45714 standard
Belpre, OH
Pop: 9,951
45784 standard
Vincent, OH
Pop: 3,386
45742 standard
Little Hocking, OH
Pop: 3,014
45767 standard
New Matamoras, OH
Pop: 2,800
45744 standard
Lowell, OH
Pop: 2,728

Related Areas

Washington County Waterford, OH Ohio

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.

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