Spencerville, OH · standard
ZIP Code 45887
Allen County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,755
- 26/sq mi Moderate-density area
- $68,409
- Median income Near-median income area
- $184,400
- Median home value Near-median home value
- 12.0%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Spencerville pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 44th pct
- household income, US ZIPs
- 39th pct
- home value, US ZIPs
- 26
- people per sq mi
- 76%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45887 against every reporting US ZIP.
ZIP code 45887 covers 185.0 square miles in Spencerville, Allen County, Ohio (a standard USPS delivery area), with a modest 4,755 residents on file, a density of 26 people per square mile, in the New York time zone.
ZIP 45887 reports a modest median household income of $68,409 (6% below the average Ohio ZIP), while per-capita income is $32,677. The poverty rate is 10.5%, with unemployment at 3.4%; those measures add context to the income figure. Median home value is $184,400 (6% below the average Ohio ZIP) and median rent is $1,013; 76.4% 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 35.8, and the average commute is 24 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Allen County, so 45887 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 45887
Top 5 sectors by establishment count in Spencerville, OH
Which industries have the most business establishments in ZIP 45887.
- Other services (except public administration)
Other services (except public administration)
12 establishments
- Construction
Construction
10 establishments
- Wholesale trade
Wholesale trade
5 establishments
- Retail trade
Retail trade
5 establishments
- Manufacturing 4
Manufacturing
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 45887, Spencerville, 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
4,755
Population
185.0
Area (sq mi)
26
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45887?
35.8
Median Age
55.7%
Male
44.3%
Female
0.0%
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?
$68,409
Median Household Income
-6% vs state ZIP avg
$32,677
Per Capita Income
10.5%
Poverty Rate
3.4%
Unemployment Rate
23.7 min
Mean Commute Time
How ZIP 45887 ranks among Ohio ZIPs
Spencerville, 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)
$68,409 45th percentile higher than 45% 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
1,884housing units
1,884
Total Housing Units
1,732
Occupied Units
152
Vacant Units
2.52
Avg Household Size
Occupancy Type
$184,400
Median Home Value
-6% vs state ZIP avg
$1,013
Median Rent
1969
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
+0.9%
YoY Change (2024)
176
HPI Index (2000 = 100)
+76%
Total Change Since 2000
Home values in ZIP 45887 have increased 0.9% over the past year (2024). Since 2000, this ZIP has seen +76% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.4% | 130 |
| 2021 | +13.6% | 147 |
| 2022 | +6.4% | 157 |
| 2023 | +11.4% | 175 |
| 2024 | +0.9% | 176 |
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 56 business establishments in ZIP 45887, employing approximately 765 people with a combined annual payroll of $37,272,000.
56
Businesses
765
Employees
$37.3M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 12 | 21.4% |
| Construction | 10 | 17.9% |
| Wholesale trade | 5 | 8.9% |
| Retail trade | 5 | 8.9% |
| Manufacturing | 4 | 7.1% |
| Real estate and rental and leasing | 4 | 7.1% |
| Accommodation and food services | 4 | 7.1% |
| Administrative and support and waste management and remediation services | 3 | 5.4% |
| Health care and social assistance | 3 | 5.4% |
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 45887 vs 45833 →
ZIP 45887 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45885
Saint Marys (45885)
12,661 residents
- 45833
Delphos (45833)
10,667 residents
- 45887 4,755
Spencerville (45887)
4,755 residents
- 45894 605
Venedocia (45894)
605 residents
- 45819 233
Buckland (45819)
233 residents
- 45838 50
Elgin (45838)
50 residents
What this shows Among its immediate neighbors, ZIP 45887 ranks #3 by population - useful context the national average alone can't give.
ZIP 45887 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45838
Elgin (45838)
$91,181 median income
- 45894
Venedocia (45894)
$81,360 median income
- 45885
Saint Marys (45885)
$78,550 median income
- 45887
Spencerville (45887)
$68,409 median income
- 45819
Buckland (45819)
$67,500 median income
- 45833
Delphos (45833)
$65,000 median income
What this shows By household income, ZIP 45887 ranks #4 of 6 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 45887, 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 (4,755 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 45887 in?
ZIP code 45887 (Spencerville) 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 45887?
ZIP code 45887 in Spencerville, OH has a population of 4,755 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45887?
The median household income in ZIP 45887 is $68,409, which is 10% below the national average of $76,288.
What is the average home value in ZIP 45887?
The median home value in ZIP 45887 is $184,400, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 45887?
The largest racial group in ZIP 45887 is White at 95.3%. Hispanic or Latino residents make up 1.4% of the population.
How many businesses are in ZIP code 45887?
ZIP code 45887 has 56 business establishments employing approximately 765 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45887?
The top industries by establishment count in ZIP 45887 are: Other services (except public administration) (12), Construction (10), Wholesale trade (5). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 45887?
According to the FHFA House Price Index, home values in ZIP 45887 increased by 0.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 76%. 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 45887?
In ZIP code 45887, 58.8% 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 45887?
The mean commute time for workers in ZIP code 45887 is 23.7 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 45887?
In ZIP code 45887, approximately 76.4% of occupied housing units are owner-occupied and 23.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45887?
The poverty rate in ZIP code 45887 is 10.5% 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 45887's numbers, next.
- See how ZIP 45887 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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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.