PlainZIP

Fort Loramie, OH · standard

ZIP Code 45845

Shelby County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,178
38/sq mi
$95,078
Median income
$306,300
Median home value
30.2%
Bachelor's or higher

The verdict

Fort Loramie pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 22%
household income, US ZIPs
Top 33%
home value, US ZIPs
38
people per sq mi
91%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45845 against every reporting US ZIP.

ZIP code 45845 covers 83.0 square miles in Fort Loramie, Shelby County, Ohio (a standard USPS delivery area), with a modest 3,178 residents on file, a density of 38 people per square mile, in the New York time zone.

ZIP 45845 lands in the middle-income range, with a median household income of $95,078 (30% above the Ohio average), while per-capita income is $41,702. 3.6% of residents live below the poverty line, and the unemployment rate reads 3.0%. Housing costs here run $306,300 for a typical home value (55% above the state average), with rent averaging $836 a month; 90.7% of homes are owner-occupied.

A solid share of residents have a four-year degree: 30.2% of adults hold a bachelor's degree or higher, the median age is 33.3, and the average commute is 18 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Shelby County, letting you compare 45845 to its immediate surroundings rather than a national baseline 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 45845

Top 5 sectors by establishment count in Fort Loramie, OH

Which industries have the most business establishments in ZIP 45845.

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 45845, Fort Loramie, 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

3,178

Population

83.0

Area (sq mi)

38

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 45845?

33.3

Median Age

54.0%

Male

46.0%

Female

0.0%

Foreign-Born

White 98.3%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.7%
Hispanic or Latino 0.5%

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?

$95,078

Median Household Income

+30% vs state

$41,702

Per Capita Income

3.6%

Poverty Rate

3.0%

Unemployment Rate

18.2 min

Mean Commute Time

How ZIP 45845 ranks nationally

Fort Loramie, OH household income vs. every US ZIP code

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

$95,078 Top 22% higher than 78% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 66.7%
Bachelor's Degree or Higher 30.2%

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

What does housing look like?

1,177

Total Housing Units

1,153

Occupied Units

24

Vacant Units

2.97

Avg Household Size

Occupancy Type

Owner 90.7%
Renter 9.3%

$306,300

Median Home Value

+55% vs state

$836

Median Rent

1982

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

+7.9%

YoY Change (2024)

198

HPI Index (2000 = 100)

+98%

Total Change Since 2000

Home values in ZIP 45845 have increased 7.9% over the past year (2024). Since 2000, this ZIP has seen +98% cumulative appreciation.

Year Annual Change HPI Index
2019 +6.4% 159
2020 +0.1% 160
2021 +0.8% 161
2022 +7.9% 174
2024 – 198

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 83 business establishments in ZIP 45845, employing approximately 990 people with a combined annual payroll of $59,308,000.

83

Businesses

990

Employees

$59.3M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Manufacturing 15 18.1%
Retail trade 14 16.9%
Construction 12 14.5%
Finance and insurance 7 8.4%
Other services (except public administration) 7 8.4%
Professional, scientific, and technical services 6 7.2%
Transportation and warehousing 5 6.0%
Health care and social assistance 5 6.0%
Accommodation and food services 5 6.0%
Wholesale trade 3 3.6%

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 45845 vs 45865 →

ZIP 45845 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 45845 ranks #4 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 45845 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 45845 ranks #5 of 9 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
45865 Minster, OH 4,745 4.3 mi
45388 Yorkshire, OH 812 5.3 mi
45363 Russia, OH 1,770 6.3 mi
45351 Osgood, OH 274 6.0 mi
45333 Houston, OH 1,345 6.3 mi
45869 New Bremen, OH 4,534 8.8 mi
45860 Maria Stein, OH 2,274 8.2 mi
45826 Chickasaw, OH 306 9.4 mi
45380 Versailles, OH 5,477 9.2 mi
45336 Kettlersville, OH 153 9.9 mi

More ZIP Codes in Shelby County

45365 standard
Sidney, OH
Pop: 30,561
45302 standard
Anna, OH
Pop: 4,280
45306 standard
Botkins, OH
Pop: 2,294
45334 standard
Jackson Center, OH
Pop: 2,037
45363 standard
Russia, OH
Pop: 1,770
45333 standard
Houston, OH
Pop: 1,345

Related Areas

Shelby County Fort Loramie, OH Ohio

Frequently Asked Questions

What county is ZIP code 45845 in? ▼
ZIP code 45845 (Fort Loramie) is located in Shelby County, Ohio. Shelby County contains multiple ZIP codes, see the full list at /counties/shelby-oh.
What is the population of ZIP code 45845? ▼
ZIP code 45845 in Fort Loramie, OH has a population of 3,178 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45845? ▼
The median household income in ZIP 45845 is $95,078, which is 25% above the national average of $76,288.
What is the average home value in ZIP 45845? ▼
The median home value in ZIP 45845 is $306,300, which is 10% above the national average of $278,155.
What is the demographic makeup of ZIP 45845? ▼
The largest racial group in ZIP 45845 is White at 98.3%. Hispanic or Latino residents make up 0.5% of the population.
How many businesses are in ZIP code 45845? ▼
ZIP code 45845 has 83 business establishments employing approximately 990 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45845? ▼
The top industries by establishment count in ZIP 45845 are: Manufacturing (15), Retail trade (14), Construction (12). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 45845? ▼
According to the FHFA House Price Index, home values in ZIP 45845 increased by 7.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 98%. 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 45845? ▼
In ZIP code 45845, 66.7% of residents aged 25+ have a high school diploma or higher, and 30.2% 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 45845? ▼
The mean commute time for workers in ZIP code 45845 is 18.2 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 45845? ▼
In ZIP code 45845, approximately 90.7% of occupied housing units are owner-occupied and 9.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45845? ▼
The poverty rate in ZIP code 45845 is 3.6% 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.