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 High-density area
- $44,911
- Median income Below-median income area
- $99,600
- Median home value Below-median home value
- 10.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45804 (Lima, OH) rose +4.9% from 2023 to 2024. The all-transactions index moved from 168.5 in 2023 to 176.7 in 2024 (2000 = 100).
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 average Ohio ZIP), while per-capita income is $26,472. Economic pressure is pronounced: 27.5% of residents are below the poverty line and unemployment is 10.0%. Home values sit below the statewide ZIP benchmark: the median is $99,600 (49% below the average Ohio ZIP), and median rent is $886; owner occupancy is 54.8%.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Allen County, so 45804 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 45804
Top 5 sectors by establishment count in Lima, OH
Which industries have the most business establishments in ZIP 45804.
- Retail trade
Retail trade
58 establishments
- Accommodation and food services
Accommodation and food services
47 establishments
- Health care and social assistance
Health care and social assistance
40 establishments
- Other services (except public administration)
Other services (except public administration)
38 establishments
- Manufacturing
Manufacturing
37 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 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
Who lives in ZIP 45804?
42.4
Median Age
47.2%
Male
52.8%
Female
1.6%
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?
$44,911
Median Household Income
-38% vs state ZIP avg
$26,472
Per Capita Income
27.5%
Poverty Rate
10.0%
Unemployment Rate
17.0 min
Mean Commute Time
How ZIP 45804 ranks among Ohio ZIPs
Lima, 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)
$44,911 9th percentile higher than 9% 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
6,943housing units
6,943
Total Housing Units
5,994
Occupied Units
949
Vacant Units
2.23
Avg Household Size
Occupancy Type
$99,600
Median Home Value
-49% vs state ZIP avg
$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.
- 45801
Lima (45801)
25,303 residents
- 45805
Lima (45805)
22,514 residents
- 45895
Wapakoneta (45895)
17,945 residents
- 45804
Lima (45804)
15,758 residents
- 45807
Lima (45807)
12,221 residents
- 45806
Lima (45806)
11,158 residents
- 45850 3,653
Harrod (45850)
3,653 residents
- 45820 543
Cairo (45820)
543 residents
- 45854 498
Lafayette (45854)
498 residents
What this shows Among its immediate neighbors, ZIP 45804 ranks #4 by population - useful context the national average alone can't give.
ZIP 45804 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45888
Uniopolis (45888)
$88,237 median income
- 45850
Harrod (45850)
$84,886 median income
- 45820
Cairo (45820)
$83,125 median income
- 45806
Lima (45806)
$82,587 median income
- 45808
Beaverdam (45808)
$81,875 median income
- 45895
Wapakoneta (45895)
$74,783 median income
- 45807
Lima (45807)
$70,725 median income
- 45805
Lima (45805)
$68,842 median income
- 45854
Lafayette (45854)
$53,125 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45804, 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 (15,758 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Allen County
Related Areas
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.
Related
Take this with you
What to do with ZIP 45804's numbers, next.
- See how ZIP 45804 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lima, 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.