Residential delivery area · Ohio
ZIP Code 45828: Coldwater, OH
ZIP code 45828 uses the postal name Coldwater, Ohio and lies entirely in Mercer County (Census 2020 ZIP-county file). About 6,400 people live there (Census Bureau, ACS 2020-2024). Median household income is $72,703 (Census Bureau, ACS 2020-2024). By Census place, 6% of its land lies in Coldwater; 94% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Coldwater · its only residential ZIP
- County
- Mercer County
- Census places
- Coldwater
- Micro area
- Celina, OH
- House district
- OH-5 119th Congress
- State
- Ohio
- Time zone
- Eastern
- Land area
- 33.9 sq mi · 189 people per sq mi
Where is ZIP code 45828?
45828 centers on 40.484°, -84.683° and covers 33.9 square miles of land plus 0.1 of water. It borders 3 ZIP codes: 45846, 45822, 45883.
The map draws ZIP code areas only. For the streets inside 45828, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 45828 compare with the rest of Mercer County?
| Measure | 45828 | In Mercer County | In OH |
|---|---|---|---|
| People (ACS 2020-2024) | 6,404 | 2nd of 16 | 475th of 1,233 |
| Median household income | $73k | 6th of 8 | 360th of 755 |
| Median home value | $252k | 4th of 10 | 191st of 810 |
Its median household income is higher than in 51% of U.S. residential ZIP codes, and it is denser than 62% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 45828?
The 2020 Census counted 6,495 people in 45828; the ACS, which samples households over 2020-2024, estimates 6,404. Between the 2010 and 2020 censuses its population grew 6.0% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 6,404
- 2020 Census count
- 6,495+6.0% since 2010 (6,125)
- Households
- 2,281
- Median age
- 33.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 45828?
Of the 6,404 people the ACS estimates in 45828, 33.3% are under 18 and 15.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (94.2%).
- Under 1833.3%
- 18 to 6450.7%
- 65 and older15.9%
- White, not Hispanic94.2%
- Hispanic or Latino3.4%
- Other or two or more1.7%
- Asian, not Hispanic0.7%
- Black, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 45828 earn?
Median household income is $72,703 (ACS 2020-2024), the 6th highest of the 8 ranked ZIP codes in Mercer County. It is not measurably different from 2015-2019 ($78,081 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $72,703±$8,925
- Income per person
- $30,304
- Below the poverty line
- 5.3%
- Unemployed (of the labor force)
- 2.0%
- Adults 25+ with a bachelor's degree
- 26.7%
- Adjusted gross income per tax return, 2022
- $88,1643,090 returns; wages 62% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 45828?
FHFA's house price index for 45828, built from repeat sales and appraisals of the same homes, rose 99% from 2015 to 2025 and rose 55% from 2020 to 2025, and moved +6.7% in 2025.
- Median home value (owners' estimate)
- $252,100
- Median gross rent
- $846
- Homes owned by their occupants
- 72.4%
- Housing units
- 2,281
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 45828?
175 business establishments had a location in this ZIP code in 2023, 15 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction24
- Retail trade24
- Other services (except public administration)22
- Health care and social assistance18
- Manufacturing17
- Wholesale trade16
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 45828?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 45846 | Fort Recovery | 4,644 | $92k | 6.0 mi |
| 45822 | Celina | 19,957 | $70k | 6.7 mi |
| 45883 | Saint Henry | 4,144 | $114k | 6.7 mi |
| 45866 | Montezuma | 117 | $81k | 7.0 mi (near) |
| 45310 | Burkettsville | 227 | $78k | 9.3 mi (near) |
| 45860 | Maria Stein | 2,326 | $111k | 10.4 mi (near) |
| 45826 | Chickasaw | 394 | $101k | 10.5 mi (near) |
| 45348 | New Weston | 848 | $120k | 10.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.