PlainZIP

Lima, OH · standard

ZIP Code 45804

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

15,758
280/sq mi
$44,911
Median income
$99,600
Median home value
10.7%
Bachelor's or higher

The verdict

Lima pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, mixed-tenure area.

9th pct
household income, US ZIPs
10th pct
home value, US ZIPs
280
people per sq mi
55%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45804 against every reporting US ZIP.

ZIP code 45804 is a mid-sized community (a standard USPS delivery area) in Lima, Allen County, Ohio, home to 15,758 residents across 56.3 square miles, a density of 280 people per square mile, in the New York time zone.

ZIP 45804 reports a modest median household income of $44,911 (38% below the Ohio average), while per-capita income is $26,472. 27.5% of residents live below the poverty line, and the unemployment rate reads 10.0%. On housing, the median home value is $99,600 (49% below the state average) with median rent at $886 per month, and 54.8% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 10.7% of adults hold a bachelor's degree or higher, the median age is 42.4, and the average commute is 17 minutes. To put 45804 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Allen 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 45804

Top 5 sectors by establishment count in Lima, OH

Which industries have the most business establishments in ZIP 45804.

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 45804, Lima, 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

15,758

Population

56.3

Area (sq mi)

280

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 45804?

42.4

Median Age

47.2%

Male

52.8%

Female

1.6%

Foreign-Born

White 71.3%
African American 19.2%
Asian 0.8%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.1%
Hispanic or Latino 2.4%

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?

$44,911

Median Household Income

-38% vs state

$26,472

Per Capita Income

27.5%

Poverty Rate

10.0%

Unemployment Rate

17.0 min

Mean Commute Time

How ZIP 45804 ranks nationally

Lima, OH household income vs. every US ZIP code

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

$44,911 9th percentile higher than 9% 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 56.6%
Bachelor's Degree or Higher 10.7%

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

What does housing look like?

6,943

Total Housing Units

5,994

Occupied Units

949

Vacant Units

2.23

Avg Household Size

Occupancy Type

Owner 54.8%
Renter 45.2%

$99,600

Median Home Value

-49% vs state

$886

Median Rent

1960

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

+4.9%

YoY Change (2024)

177

HPI Index (2000 = 100)

+77%

Total Change Since 2000

Home values in ZIP 45804 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +77% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.0% 129
2021 +10.2% 142
2022 +9.7% 155
2023 +8.4% 169
2024 +4.9% 177

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 373 business establishments in ZIP 45804, employing approximately 12,148 people with a combined annual payroll of $837,320,000.

373

Businesses

12,148

Employees

$837.3M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 58 15.6%
Accommodation and food services 47 12.6%
Health care and social assistance 40 10.7%
Other services (except public administration) 38 10.2%
Manufacturing 37 9.9%
Wholesale trade 33 8.8%
Transportation and warehousing 25 6.7%
Administrative and support and waste management and remediation services 22 5.9%
Construction 19 5.1%
Finance and insurance 17 4.6%
Real estate and rental and leasing 10 2.7%
Professional, scientific, and technical services 10 2.7%
Information 5 1.3%
Management of companies and enterprises 3 0.8%
Arts, entertainment, and recreation 3 0.8%

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 45804 vs 45801 →

ZIP 45804 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 45804 ranks #4 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 45804 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 45804 ranks #null of 9 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
45801 Lima, OH 25,303 4.5 mi
45806 Lima, OH 11,158 4.1 mi
45805 Lima, OH 22,514 5.2 mi
45888 Uniopolis, OH 220 7.8 mi
45820 Cairo, OH 543 8.4 mi
45854 Lafayette, OH 498 6.7 mi
45850 Harrod, OH 3,653 7.8 mi
45807 Lima, OH 12,221 8.4 mi
45808 Beaverdam, OH 349 9.5 mi
45895 Wapakoneta, OH 17,945 10.9 mi

More ZIP Codes in Allen County

45801 standard
Lima, OH
Pop: 25,303
45805 standard
Lima, OH
Pop: 22,514
45807 standard
Lima, OH
Pop: 12,221
45806 standard
Lima, OH
Pop: 11,158
45833 standard
Delphos, OH
Pop: 10,667
45817 standard
Bluffton, OH
Pop: 6,736

Related Areas

Allen County Lima, OH Ohio

Frequently Asked Questions

What county is ZIP code 45804 in? ▼
ZIP code 45804 (Lima) is located in Allen County, Ohio. Allen County contains multiple ZIP codes, see the full list at /counties/allen-oh.
What is the population of ZIP code 45804? ▼
ZIP code 45804 in Lima, OH has a population of 15,758 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45804? ▼
The median household income in ZIP 45804 is $44,911, which is 41% below the national average of $76,288.
What is the average home value in ZIP 45804? ▼
The median home value in ZIP 45804 is $99,600, which is 64% below the national average of $278,155.
What is the demographic makeup of ZIP 45804? ▼
The largest racial group in ZIP 45804 is White at 71.3%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 45804? ▼
ZIP code 45804 has 373 business establishments employing approximately 12,148 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45804? ▼
The top industries by establishment count in ZIP 45804 are: Retail trade (58), Accommodation and food services (47), Health care and social assistance (40). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 45804? ▼
According to the FHFA House Price Index, home values in ZIP 45804 increased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 77%. 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 45804? ▼
In ZIP code 45804, 56.6% of residents aged 25+ have a high school diploma or higher, and 10.7% 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 45804? ▼
The mean commute time for workers in ZIP code 45804 is 17.0 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 45804? ▼
In ZIP code 45804, approximately 54.8% of occupied housing units are owner-occupied and 45.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45804? ▼
The poverty rate in ZIP code 45804 is 27.5% 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.