Harrod, OH · standard
ZIP Code 45850
Allen County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,653
- 24/sq mi Moderate-density area
- $84,886
- Median income Above-median income area
- $193,900
- Median home value Near-median home value
- 12.0%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Harrod pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 32%
- household income, US ZIPs
- 42nd pct
- home value, US ZIPs
- 24
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45850 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 45850 (Harrod, OH) rose +12.9% from 2023 to 2024. The all-transactions index moved from 219.1 in 2023 to 247.5 in 2024 (2000 = 100).
ZIP code 45850 covers 155.4 square miles in Harrod, Allen County, Ohio (a standard USPS delivery area), with a modest 3,653 residents on file, a density of 24 people per square mile, in the New York time zone.
ZIP 45850 lands in the middle-income range, with a median household income of $84,886 (16% above the average Ohio ZIP), while per-capita income is $41,315. The poverty rate is 5.3%, with unemployment at 6.6%; those measures add context to the income figure. Median home value is $193,900 (2% below the average Ohio ZIP) and median rent is $1,129; 86.0% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 12.0% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is 25 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Allen County, so 45850 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 45850
Top 5 sectors by establishment count in Harrod, OH
Which industries have the most business establishments in ZIP 45850.
- Construction
Construction
12 establishments
- Other services (except public administration)
Other services (except public administration)
7 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
5 establishments
- Accommodation and food services 4
Accommodation and food services
4 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 45850, Harrod, 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
3,653
Population
155.4
Area (sq mi)
24
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45850?
35.5
Median Age
46.8%
Male
53.2%
Female
0.5%
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?
$84,886
Median Household Income
+16% vs state ZIP avg
$41,315
Per Capita Income
5.3%
Poverty Rate
6.6%
Unemployment Rate
25.2 min
Mean Commute Time
How ZIP 45850 ranks among Ohio ZIPs
Harrod, 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)
$84,886 Top 25% higher than 75% 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
1,455housing units
1,455
Total Housing Units
1,311
Occupied Units
144
Vacant Units
2.71
Avg Household Size
Occupancy Type
$193,900
Median Home Value
-2% vs state ZIP avg
$1,129
Median Rent
1977
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
+12.9%
YoY Change (2024)
248
HPI Index (2000 = 100)
+148%
Total Change Since 2000
Home values in ZIP 45850 have increased 12.9% over the past year (2024). Since 2000, this ZIP has seen +148% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.0% | 153 |
| 2021 | +11.5% | 171 |
| 2022 | +11.1% | 190 |
| 2023 | +15.4% | 219 |
| 2024 | +12.9% | 248 |
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 37 business establishments in ZIP 45850, employing approximately 235 people with a combined annual payroll of $10,899,000.
37
Businesses
235
Employees
$10.9M
Annual Payroll
4
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 12 | 32.4% |
| Other services (except public administration) | 7 | 18.9% |
| Administrative and support and waste management and remediation services | 5 | 13.5% |
| Accommodation and food services | 4 | 10.8% |
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 45850 vs 45854 →
ZIP 45850 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45801
Lima (45801)
25,303 residents
- 45804
Lima (45804)
15,758 residents
- 45810 8,460
Ada (45810)
8,460 residents
- 45850 3,653
Harrod (45850)
3,653 residents
- 45896 2,089
Waynesfield (45896)
2,089 residents
- 45812 1,943
Alger (45812)
1,943 residents
- 45854 498
Lafayette (45854)
498 residents
- 45859 495
Mc Guffey (45859)
495 residents
- 45808 349
Beaverdam (45808)
349 residents
What this shows Among its immediate neighbors, ZIP 45850 ranks #4 by population - useful context the national average alone can't give.
ZIP 45850 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45870
New Hampshire (45870)
$162,813 median income
- 45850
Harrod (45850)
$84,886 median income
- 45808
Beaverdam (45808)
$81,875 median income
- 45810 $63,451
Ada (45810)
$63,451 median income
- 45896 $62,449
Waynesfield (45896)
$62,449 median income
- 45854 $53,125
Lafayette (45854)
$53,125 median income
- 45801 $51,731
Lima (45801)
$51,731 median income
- 45859 $51,250
Mc Guffey (45859)
$51,250 median income
- 45804 $44,911
Lima (45804)
$44,911 median income
What this shows By household income, ZIP 45850 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45854 | Lafayette, OH | 498 | 4.1 mi |
| 45896 | Waynesfield, OH | 2,089 | 6.9 mi |
| 45812 | Alger, OH | 1,943 | 5.8 mi |
| 45804 | Lima, OH | 15,758 | 7.8 mi |
| 45859 | Mc Guffey, OH | 495 | 7.4 mi |
| 45810 | Ada, OH | 8,460 | 7.5 mi |
| 45870 | New Hampshire, OH | 156 | 10.4 mi |
| 45808 | Beaverdam, OH | 349 | 9.3 mi |
| 45801 | Lima, OH | 25,303 | 7.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45850, 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 (3,653 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Allen County
Related Areas
Frequently Asked Questions
What county is ZIP code 45850 in?
ZIP code 45850 (Harrod) is located in Allen County, Ohio. Allen County contains multiple ZIP codes, see the full list at /counties/allen-oh.
What is the population of ZIP code 45850?
ZIP code 45850 in Harrod, OH has a population of 3,653 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45850?
The median household income in ZIP 45850 is $84,886, which is 11% above the national average of $76,288.
What is the average home value in ZIP 45850?
The median home value in ZIP 45850 is $193,900, which is 30% below the national average of $278,155.
What is the demographic makeup of ZIP 45850?
The largest racial group in ZIP 45850 is White at 90.1%. Hispanic or Latino residents make up 0.7% of the population.
How many businesses are in ZIP code 45850?
ZIP code 45850 has 37 business establishments employing approximately 235 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45850?
The top industries by establishment count in ZIP 45850 are: Construction (12), Other services (except public administration) (7), Administrative and support and waste management and remediation services (5). There are 4 industry sectors represented in total.
How have home values changed in ZIP code 45850?
According to the FHFA House Price Index, home values in ZIP 45850 increased by 12.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 148%. 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 45850?
In ZIP code 45850, 62.9% of residents aged 25+ have a high school diploma or higher, and 12.0% 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 45850?
The mean commute time for workers in ZIP code 45850 is 25.2 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 45850?
In ZIP code 45850, approximately 86.0% of occupied housing units are owner-occupied and 14.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45850?
The poverty rate in ZIP code 45850 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 45850's numbers, next.
- See how ZIP 45850 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Harrod, 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.