ZIP Code 45828
standardSource:
Coldwater · Mercer County · Ohio
- Population
- 6,125
- Median income
- $72,703
- Median home value
- $252,100
- Bachelor's or higher
- 26.7%
- Land area
- 85.5 sq mi
72/sq mi
▼ 5% vs US
higher than 51% of US ZIPs
▼ 9% vs US
higher than 58% of US ZIPs
Median age 33.3
New York
ZIP code 45828 in Coldwater, Ohio has a population of 6,125. The median household income is $72,703, which is 5% below the national average. Median home value is $252,100, 9% below the US average. 26.7% of residents hold a bachelor's degree or higher.
ZIP code 45828 is classified by USPS as a standard delivery area and covers roughly 85.5 square miles in Coldwater, Mercer County, Ohio. The area is home to 6,125 residents, producing a population density of 72 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 45828 against Ohio and the nation.
On the economic side, the median household income for ZIP 45828 sits at $72,703 (0% below the Ohio average), while per-capita income is $30,304. The poverty rate stands at 5.3% and the unemployment rate at 2.0%. On housing, the median home value is $252,100 (28% above the state average) with median rent at $846 per month, and 72.4% of occupied units are owner-occupied, a direct signal of whether 45828 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 26.7% of adults hold a bachelor's degree or higher, the median age is 33.3, and the average commute is 15 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mercer County, so you can benchmark 45828 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 →
Top industries in ZIP 45828
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 45828.
- Construction
Construction
24 establishments
- Retail trade
Retail trade
24 establishments
- Other services (except public administration)
Other services (except public administration)
22 establishments
- Health care and social assistance
Health care and social assistance
18 establishments
- Manufacturing
Manufacturing
17 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 45828, Coldwater, OH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
6,125
Population
85.5
Area (sq mi)
72
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45828?
33.3
Median Age
44.9%
Male
55.1%
Female
2.0%
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?
$72,703
Median Household Income
-0% vs state
$30,304
Per Capita Income
5.3%
Poverty Rate
2.0%
Unemployment Rate
15.2 min
Mean Commute Time
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?
2,281
Total Housing Units
2,281
Occupied Units
0
Vacant Units
2.77
Avg Household Size
Occupancy Type
$252,100
Median Home Value
+28% vs state
$846
Median Rent
1976
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
+8.8%
YoY Change (2024)
240
HPI Index (2000 = 100)
+140%
Total Change Since 2000
Home values in ZIP 45828 have increased 8.8% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.3% | 163 |
| 2021 | +9.7% | 178 |
| 2022 | +19.3% | 213 |
| 2023 | +3.7% | 221 |
| 2024 | +8.8% | 240 |
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 175 business establishments in ZIP 45828, employing approximately 3,496 people with a combined annual payroll of $170,669,000.
175
Businesses
3,496
Employees
$170.7M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 24 | 13.7% |
| Retail trade | 24 | 13.7% |
| Other services (except public administration) | 22 | 12.6% |
| Health care and social assistance | 18 | 10.3% |
| Manufacturing | 17 | 9.7% |
| Wholesale trade | 16 | 9.1% |
| Accommodation and food services | 13 | 7.4% |
| Transportation and warehousing | 10 | 5.7% |
| Finance and insurance | 10 | 5.7% |
| Professional, scientific, and technical services | 8 | 4.6% |
| Administrative and support and waste management and remediation services | 4 | 2.3% |
| Agriculture, forestry, fishing and hunting | 3 | 1.7% |
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 45828 vs 45883 →
More ZIP Codes in Mercer County
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Frequently Asked Questions
What county is ZIP code 45828 in? ▼
What is the population of ZIP code 45828? ▼
What is the median household income in ZIP 45828? ▼
What is the average home value in ZIP 45828? ▼
What is the demographic makeup of ZIP 45828? ▼
How many businesses are in ZIP code 45828? ▼
What are the main industries in ZIP code 45828? ▼
How have home values changed in ZIP code 45828? ▼
What is the education level in ZIP code 45828? ▼
What is the average commute time in ZIP 45828? ▼
What percentage of residents own vs. rent in ZIP 45828? ▼
What is the poverty rate in ZIP code 45828? ▼
ZIP Code Research Guides
Official Data Resources for Coldwater, OH
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
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Read our methodology , how this data is sourced, computed, and verified.