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 High-density area
- $83,125
- Median income Near-median income area
- $114,500
- Median home value Below-median home value
- 20.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Ohio ZIP), while per-capita income is $33,722. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.9% and unemployment is 2.0%. Home values sit below the statewide ZIP benchmark: the median is $114,500 (42% below the average Ohio ZIP), and median rent is $1,023; owner occupancy is 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 -. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Allen County, so 45820 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 →
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
Who lives in ZIP 45820?
35.9
Median Age
55.9%
Male
44.1%
Female
3.8%
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?
$83,125
Median Household Income
+14% vs state ZIP avg
$33,722
Per Capita Income
6.9%
Poverty Rate
2.0%
Unemployment Rate
How ZIP 45820 ranks among Ohio ZIPs
Cairo, 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)
$83,125 Top 27% higher than 73% 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
239housing units
239
Total Housing Units
214
Occupied Units
25
Vacant Units
2.71
Avg Household Size
Occupancy Type
$114,500
Median Home Value
-42% vs state ZIP avg
$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.
- 45801
Lima (45801)
25,303 residents
- 45805
Lima (45805)
22,514 residents
- 45804
Lima (45804)
15,758 residents
- 45807
Lima (45807)
12,221 residents
- 45830 6,228
Columbus Grove (45830)
6,228 residents
- 45877 2,139
Pandora (45877)
2,139 residents
- 45820 543
Cairo (45820)
543 residents
- 45854 498
Lafayette (45854)
498 residents
- 45808 349
Beaverdam (45808)
349 residents
What this shows Among its immediate neighbors, ZIP 45820 ranks #7 by population - useful context the national average alone can't give.
ZIP 45820 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45820
Cairo (45820)
$83,125 median income
- 45808
Beaverdam (45808)
$81,875 median income
- 45830
Columbus Grove (45830)
$80,897 median income
- 45807
Lima (45807)
$70,725 median income
- 45805
Lima (45805)
$68,842 median income
- 45877
Pandora (45877)
$68,665 median income
- 45854
Lafayette (45854)
$53,125 median income
- 45801
Lima (45801)
$51,731 median income
- 45804
Lima (45804)
$44,911 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45820, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
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 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.
Related
Take this with you
What to do with ZIP 45820's numbers, next.
- See how ZIP 45820 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cairo, 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.