PlainZIP

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
$84,886
Median income
$193,900
Median home value
12.0%
Bachelor's or higher

The verdict

Harrod pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 32%
household income, US ZIPs
42th 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.

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 Ohio average), while per-capita income is $41,315. Poverty here runs at 5.3%, with unemployment measured at 6.6%. On housing, the median home value is $193,900 (2% below the state average) with median rent at $1,129 per month, and 86.0% of occupied units 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. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Allen County, so you can benchmark 45850 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 45850

Top 5 sectors by establishment count in Harrod, OH

Which industries have the most business establishments in ZIP 45850.

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 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

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 45850?

35.5

Median Age

46.8%

Male

53.2%

Female

0.5%

Foreign-Born

White 90.1%
African American 1.0%
Asian 0.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.3%
Hispanic or Latino 0.7%

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?

$84,886

Median Household Income

+16% vs state

$41,315

Per Capita Income

5.3%

Poverty Rate

6.6%

Unemployment Rate

25.2 min

Mean Commute Time

How ZIP 45850 ranks nationally

Harrod, OH household income vs. every US ZIP code

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

$84,886 Top 32% higher than 68% 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 62.9%
Bachelor's Degree or Higher 12.0%

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

What does housing look like?

1,455

Total Housing Units

1,311

Occupied Units

144

Vacant Units

2.71

Avg Household Size

Occupancy Type

Owner 86.0%
Renter 14.0%

$193,900

Median Home Value

-2% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45850 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 45850 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 45850 ranks #2 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
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

More ZIP Codes in Allen County

45801 standard
Lima, OH
Pop: 25,303
45805 standard
Lima, OH
Pop: 22,514
45804 standard
Lima, OH
Pop: 15,758
45807 standard
Lima, OH
Pop: 12,221
45806 standard
Lima, OH
Pop: 11,158
45833 standard
Delphos, OH
Pop: 10,667

Related Areas

Allen County Harrod, OH Ohio

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.

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