ZIP Code 45820

ZIP code 45820 is classified by USPS as a standard delivery area and covers roughly 1.9 square miles in Cairo, Allen County, Ohio. The area is home to 543 residents, producing a population density of 290 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 45820 against Ohio and the nation.

On the economic side, the median household income for ZIP 45820 sits at $83,125 (14% above the Ohio average), while per-capita income is $33,722. The poverty rate stands at 6.9% and the unemployment rate at 2.0%. On housing, the median home value is $114,500 (42% below the state average) with median rent at $1,023 per month, and 86.4% of occupied units are owner-occupied, a direct signal of whether 45820 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.4% of adults hold a bachelor's degree or higher, the median age is 35.9, and the average commute is —. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Allen County, so you can benchmark 45820 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →