Findlay, OH · standard
ZIP Code 45840
Hancock County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 54,979
- 127/sq mi High-density area
- $68,083
- Median income Near-median income area
- $213,000
- Median home value Near-median home value
- 33.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Findlay pairs a below-median household income with below-median home values, in a rural, homeowner-dominated and unusually populous area.
- 44th pct
- household income, US ZIPs
- 47th pct
- home value, US ZIPs
- 127
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45840 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 45840 (Findlay, OH) rose +6.2% from 2023 to 2024. The all-transactions index moved from 168.8 in 2023 to 179.3 in 2024 (2000 = 100).
ZIP code 45840 is a densely settled ZIP (a standard USPS delivery area) in Findlay, Hancock County, Ohio, with 54,979 residents across 434.3 square miles, a density of 127 people per square mile, in the New York time zone.
ZIP 45840 reports a modest median household income of $68,083 (7% below the average Ohio ZIP), while per-capita income is $40,027. The poverty rate is 10.7%, with unemployment at 3.2%; those measures add context to the income figure. Median home value is $213,000 (8% above the average Ohio ZIP) and median rent is $986; 66.0% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 33.3% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 17 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Hancock County, so 45840 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 45840
Top 5 sectors by establishment count in Findlay, OH
Which industries have the most business establishments in ZIP 45840.
- Retail trade
Retail trade
212 establishments
- Accommodation and food services
Accommodation and food services
172 establishments
- Health care and social assistance
Health care and social assistance
167 establishments
- Other services (except public administration)
Other services (except public administration)
165 establishments
- Finance and insurance
Finance and insurance
101 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 45840, Findlay, 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
54,979
Population
434.3
Area (sq mi)
127
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45840?
38.9
Median Age
48.8%
Male
51.2%
Female
4.1%
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?
$68,083
Median Household Income
-7% vs state ZIP avg
$40,027
Per Capita Income
10.7%
Poverty Rate
3.2%
Unemployment Rate
16.7 min
Mean Commute Time
How ZIP 45840 ranks nationally
Findlay, OH household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$68,083 44th percentile higher than 44% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
25,499housing units
25,499
Total Housing Units
23,773
Occupied Units
1,726
Vacant Units
2.22
Avg Household Size
Occupancy Type
$213,000
Median Home Value
+8% vs state ZIP avg
$986
Median Rent
1975
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
+6.2%
YoY Change (2024)
179
HPI Index (2000 = 100)
+79%
Total Change Since 2000
Home values in ZIP 45840 have increased 6.2% over the past year (2024). Since 2000, this ZIP has seen +79% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.2% | 132 |
| 2021 | +8.6% | 144 |
| 2022 | +10.2% | 158 |
| 2023 | +6.6% | 169 |
| 2024 | +6.2% | 179 |
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 1,404 business establishments in ZIP 45840, employing approximately 34,756 people with a combined annual payroll of $2,064,203,000.
1,404
Businesses
34,756
Employees
$2.1B
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 212 | 15.1% |
| Accommodation and food services | 172 | 12.3% |
| Health care and social assistance | 167 | 11.9% |
| Other services (except public administration) | 165 | 11.8% |
| Finance and insurance | 101 | 7.2% |
| Professional, scientific, and technical services | 100 | 7.1% |
| Construction | 87 | 6.2% |
| Administrative and support and waste management and remediation services | 86 | 6.1% |
| Transportation and warehousing | 66 | 4.7% |
| Manufacturing | 63 | 4.5% |
| Wholesale trade | 52 | 3.7% |
| Real estate and rental and leasing | 50 | 3.6% |
| Arts, entertainment, and recreation | 24 | 1.7% |
| Information | 21 | 1.5% |
| Management of companies and enterprises | 15 | 1.1% |
| Educational services | 14 | 1.0% |
| Utilities | 5 | 0.4% |
| Agriculture, forestry, fishing and hunting | 3 | 0.2% |
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 45840 vs 45889 →
ZIP 45840 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45840
Findlay (45840)
54,979 residents
- 45814 2,620
Arlington (45814)
2,620 residents
- 45881 1,461
Rawson (45881)
1,461 residents
- 45889 1,351
Van Buren (45889)
1,351 residents
- 44804 1,202
Arcadia (44804)
1,202 residents
- 45867 1,189
Mount Blanchard (45867)
1,189 residents
- 45816 291
Benton Ridge (45816)
291 residents
What this shows Among its immediate neighbors, ZIP 45840 ranks the most populous - useful context the national average alone can't give.
ZIP 45840 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45867
Mount Blanchard (45867)
$101,250 median income
- 44804
Arcadia (44804)
$95,469 median income
- 45889
Van Buren (45889)
$93,750 median income
- 45814
Arlington (45814)
$91,115 median income
- 45816
Benton Ridge (45816)
$76,719 median income
- 45881
Rawson (45881)
$73,775 median income
- 45840
Findlay (45840)
$68,083 median income
What this shows By household income, ZIP 45840 ranks #7 of 7 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 45840, 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 (54,979 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hancock County
Related Areas
Frequently Asked Questions
What county is ZIP code 45840 in?
ZIP code 45840 (Findlay) is located in Hancock County, Ohio. Hancock County contains multiple ZIP codes, see the full list at /counties/hancock-oh.
What is the population of ZIP code 45840?
ZIP code 45840 in Findlay, OH has a population of 54,979 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45840?
The median household income in ZIP 45840 is $68,083, which is 11% below the national average of $76,288.
What is the average home value in ZIP 45840?
The median home value in ZIP 45840 is $213,000, which is 23% below the national average of $278,155.
What is the demographic makeup of ZIP 45840?
The largest racial group in ZIP 45840 is White at 86.9%. Hispanic or Latino residents make up 6.7% of the population.
How many businesses are in ZIP code 45840?
ZIP code 45840 has 1,404 business establishments employing approximately 34,756 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45840?
The top industries by establishment count in ZIP 45840 are: Retail trade (212), Accommodation and food services (172), Health care and social assistance (167). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 45840?
According to the FHFA House Price Index, home values in ZIP 45840 increased by 6.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 79%. 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 45840?
In ZIP code 45840, 65.8% of residents aged 25+ have a high school diploma or higher, and 33.3% 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 45840?
The mean commute time for workers in ZIP code 45840 is 16.7 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 45840?
In ZIP code 45840, approximately 66.0% of occupied housing units are owner-occupied and 34.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45840?
The poverty rate in ZIP code 45840 is 10.7% 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 45840's numbers, next.
- See how ZIP 45840 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Findlay, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.