PlainZIP

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
$72,703
Median income
$252,100
Median home value
26.7%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $30,304. Local economic indicators show a 5.3% poverty rate alongside 2.0% unemployment. The typical home here is valued at $252,100 (28% above the state average); renters pay a median of $846 monthly, and 72.4% of units are owner-occupied.

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. 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 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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 45828?

33.3

Median Age

44.9%

Male

55.1%

Female

2.0%

Foreign-Born

White 94.4%
African American 0.0%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.5%
Two or More Ethnicities 1.6%
Hispanic or Latino 3.4%

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

How ZIP 45828 ranks nationally

Coldwater, OH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$72,703 Top 49% higher than 51% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 62.8%
Bachelor's Degree or Higher 26.7%

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

Owner 72.4%
Renter 27.6%

$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 →

ZIP 45828 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 45828 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45828 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
45883 Saint Henry, OH 3,883 6.0 mi
45866 Montezuma, OH 186 6.5 mi
45822 Celina, OH 18,943 6.1 mi
45846 Fort Recovery, OH 4,437 6.5 mi
45310 Burkettsville, OH 244 9.4 mi

More ZIP Codes in Mercer County

45822 standard
Celina, OH
Pop: 18,943
45846 standard
Fort Recovery, OH
Pop: 4,437
45883 standard
Saint Henry, OH
Pop: 3,883
45882 standard
Rockford, OH
Pop: 3,004
45860 standard
Maria Stein, OH
Pop: 2,274
45862 standard
Mendon, OH
Pop: 1,507

Related Areas

Mercer County Coldwater, OH Ohio

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.

Read our methodology to see how this data is sourced, computed, and verified.