Coldwater, OH · standard
ZIP Code 45828
Mercer County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,125
- 72/sq mi Moderate-density area
- $72,703
- Median income Near-median income area
- $252,100
- Median home value Near-median home value
- 26.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Coldwater pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 49%
- household income, US ZIPs
- Top 42%
- home value, US ZIPs
- 72
- people per sq mi
- 72%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45828 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45828 (Coldwater, OH) rose +8.8% from 2023 to 2024. The all-transactions index moved from 220.6 in 2023 to 240.1 in 2024 (2000 = 100).
ZIP code 45828 is a mid-sized community (a standard USPS delivery area) in Coldwater, Mercer County, Ohio, home to 6,125 residents across 85.5 square miles, a density of 72 people per square mile, in the New York time zone.
ZIP 45828 lands in the middle-income range, with a median household income of $72,703 (0% below the average Ohio ZIP), while per-capita income is $30,304. Both reported hardship measures are comparatively low in absolute terms: poverty is 5.3% and unemployment is 2.0%. Housing is both higher-cost and owner-heavy: median home value is $252,100 (28% above the average Ohio ZIP), while 72.4% of occupied homes are owner-occupied and median rent is $846.
Educational attainment sits below the national norm: 26.7% of adults hold a bachelor's degree or higher, the median age is 33.3, and the average commute is 15 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Mercer County, so 45828 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 →
Top industries in ZIP 45828
Top 5 sectors by establishment count in Coldwater, OH
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$30,304
Per Capita Income
5.3%
Poverty Rate
2.0%
Unemployment Rate
15.2 min
Mean Commute Time
How ZIP 45828 ranks among Ohio ZIPs
Coldwater, 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)
$72,703 Top 46% higher than 54% 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
2,281housing units
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 ZIP avg
$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 →
ZIP 45828 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45822
Celina (45822)
18,943 residents
- 45828 6,125
Coldwater (45828)
6,125 residents
- 45846 4,437
Fort Recovery (45846)
4,437 residents
- 45883 3,883
Saint Henry (45883)
3,883 residents
- 45310 244
Burkettsville (45310)
244 residents
- 45866 186
Montezuma (45866)
186 residents
What this shows Among its immediate neighbors, ZIP 45828 ranks #2 by population - useful context the national average alone can't give.
ZIP 45828 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45883
Saint Henry (45883)
$113,967 median income
- 45846
Fort Recovery (45846)
$91,736 median income
- 45866
Montezuma (45866)
$80,833 median income
- 45310
Burkettsville (45310)
$77,917 median income
- 45828
Coldwater (45828)
$72,703 median income
- 45822
Celina (45822)
$70,200 median income
What this shows By household income, ZIP 45828 ranks #5 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45828, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (6,125 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Mercer County
Related Areas
Frequently Asked Questions
What county is ZIP code 45828 in?
ZIP code 45828 (Coldwater) is located in Mercer County, Ohio. Mercer County contains multiple ZIP codes, see the full list at /counties/mercer-oh.
What is the population of ZIP code 45828?
ZIP code 45828 in Coldwater, OH has a population of 6,125 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45828?
The median household income in ZIP 45828 is $72,703, which is 5% below the national average of $76,288.
What is the average home value in ZIP 45828?
The median home value in ZIP 45828 is $252,100, which is 9% below the national average of $278,155.
What is the demographic makeup of ZIP 45828?
The largest racial group in ZIP 45828 is White at 94.4%. Hispanic or Latino residents make up 3.4% of the population.
How many businesses are in ZIP code 45828?
ZIP code 45828 has 175 business establishments employing approximately 3,496 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45828?
The top industries by establishment count in ZIP 45828 are: Construction (24), Retail trade (24), Other services (except public administration) (22). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 45828?
According to the FHFA House Price Index, home values in ZIP 45828 increased by 8.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 45828?
In ZIP code 45828, 62.8% of residents aged 25+ have a high school diploma or higher, and 26.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 45828?
The mean commute time for workers in ZIP code 45828 is 15.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 45828?
In ZIP code 45828, approximately 72.4% of occupied housing units are owner-occupied and 27.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45828?
The poverty rate in ZIP code 45828 is 5.3% 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 45828's numbers, next.
- See how ZIP 45828 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Coldwater, 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.