PlainZIP

Cairo, OH · standard

ZIP Code 45820

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

543
290/sq mi
$83,125
Median income
$114,500
Median home value
20.4%
Bachelor's or higher

The verdict

Cairo pairs an above-median household income with among the most affordable home values nationally, in a low-density, homeowner-dominated area.

Top 34%
household income, US ZIPs
14th pct
home value, US ZIPs
290
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45820 against every reporting US ZIP.

ZIP code 45820 is a sparsely populated ZIP (a standard USPS delivery area) in Cairo, Allen County, Ohio, home to just 543 residents across 1.9 square miles, a density of 290 people per square mile, in the New York time zone.

ZIP 45820 lands in the middle-income range, with a median household income of $83,125 (14% above the Ohio average), while per-capita income is $33,722. Local economic indicators show a 6.9% poverty rate alongside 2.0% unemployment. Median home value sits at $114,500 (42% below the state average), median rent at $1,023 a month, and owner-occupancy at 86.4%.

Educational attainment sits below the national norm: 20.4% of adults hold a bachelor's degree or higher, the median age is 35.9, and the average commute is -. A geography-based comparison follows: 9 ZIP codes within about 10 miles of 45820, plus 6 more within Allen County, give a clearer read than the national average 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 →

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 45820, Cairo, 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

543

Population

1.9

Area (sq mi)

290

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 45820?

35.9

Median Age

55.9%

Male

44.1%

Female

3.8%

Foreign-Born

White 95.5%
African American 0.0%
Asian 3.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.7%
Hispanic or Latino 5.0%

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?

$83,125

Median Household Income

+14% vs state

$33,722

Per Capita Income

6.9%

Poverty Rate

2.0%

Unemployment Rate

How ZIP 45820 ranks nationally

Cairo, OH household income vs. every US ZIP code

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

$83,125 Top 34% higher than 66% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 57.7%
Bachelor's Degree or Higher 20.4%

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

What does housing look like?

239

Total Housing Units

214

Occupied Units

25

Vacant Units

2.71

Avg Household Size

Occupancy Type

Owner 86.4%
Renter 13.6%

$114,500

Median Home Value

-42% vs state

$1,023

Median Rent

1951

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 4 business establishments in ZIP 45820, employing approximately 46 people with a combined annual payroll of $3,941,000.

4

Businesses

46

Employees

$3.9M

Annual Payroll

0

Industry Sectors

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 45820 vs 45830 →

ZIP 45820 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 45820 ranks #7 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 45820 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 45820 ranks the highest 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
45830 Columbus Grove, OH 6,228 4.9 mi
45801 Lima, OH 25,303 4.8 mi
45809 Gomer, OH 157 5.5 mi
45808 Beaverdam, OH 349 5.8 mi
45807 Lima, OH 12,221 5.0 mi
45804 Lima, OH 15,758 8.4 mi
45805 Lima, OH 22,514 8.5 mi
45854 Lafayette, OH 498 8.7 mi
45877 Pandora, OH 2,139 11.4 mi

More ZIP Codes in Allen County

45801 standard
Lima, OH
Pop: 25,303
45805 standard
Lima, OH
Pop: 22,514
45804 standard
Lima, OH
Pop: 15,758
45807 standard
Lima, OH
Pop: 12,221
45806 standard
Lima, OH
Pop: 11,158
45833 standard
Delphos, OH
Pop: 10,667

Related Areas

Allen County Cairo, OH Ohio

Frequently Asked Questions

What county is ZIP code 45820 in? ▼
ZIP code 45820 (Cairo) 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 45820? ▼
ZIP code 45820 in Cairo, OH has a population of 543 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45820? ▼
The median household income in ZIP 45820 is $83,125, which is 9% above the national average of $76,288.
What is the average home value in ZIP 45820? ▼
The median home value in ZIP 45820 is $114,500, which is 59% below the national average of $278,155.
What is the demographic makeup of ZIP 45820? ▼
The largest racial group in ZIP 45820 is White at 95.5%. Hispanic or Latino residents make up 5.0% of the population.
How many businesses are in ZIP code 45820? ▼
ZIP code 45820 has 4 business establishments employing approximately 46 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 45820? ▼
In ZIP code 45820, 57.7% of residents aged 25+ have a high school diploma or higher, and 20.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 45820? ▼
In ZIP code 45820, approximately 86.4% of occupied housing units are owner-occupied and 13.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45820? ▼
The poverty rate in ZIP code 45820 is 6.9% 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.