PlainZIP

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
$68,083
Median income
$213,000
Median home value
33.3%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $40,027. 10.7% of residents live below the poverty line, and the unemployment rate reads 3.2%. The typical home here is valued at $213,000 (8% above the state average); renters pay a median of $986 monthly, and 66.0% of units 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. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hancock County, so you can benchmark 45840 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 45840

Top 5 sectors by establishment count in Findlay, OH

Which industries have the most business establishments in ZIP 45840.

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 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

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 45840?

38.9

Median Age

48.8%

Male

51.2%

Female

4.1%

Foreign-Born

White 86.9%
African American 2.4%
Asian 2.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.5%
Hispanic or Latino 6.7%

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

$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

$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 65.8%
Bachelor's Degree or Higher 33.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

25,499

Total Housing Units

23,773

Occupied Units

1,726

Vacant Units

2.22

Avg Household Size

Occupancy Type

Owner 66.0%
Renter 34.0%

$213,000

Median Home Value

+8% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45840 ranks the most populous - useful context the national average alone can't give.

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

ZIP 45840 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 45840 ranks #7 of 7 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
45889 Van Buren, OH 1,351 8.4 mi
45814 Arlington, OH 2,620 8.8 mi
45816 Benton Ridge, OH 291 7.5 mi
44804 Arcadia, OH 1,202 8.3 mi
45881 Rawson, OH 1,461 8.3 mi
45867 Mount Blanchard, OH 1,189 10.6 mi

More ZIP Codes in Hancock County

45858 standard
Mc Comb, OH
Pop: 3,083
45814 standard
Arlington, OH
Pop: 2,620
45881 standard
Rawson, OH
Pop: 1,461
45889 standard
Van Buren, OH
Pop: 1,351
44804 standard
Arcadia, OH
Pop: 1,202
45867 standard
Mount Blanchard, OH
Pop: 1,189

Related Areas

Hancock County Findlay, OH Ohio

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.

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