PlainZIP

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
$68,409
Median income
$184,400
Median home value
12.0%
Bachelor's or higher

The verdict

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 Ohio average), while per-capita income is $32,677. Local economic indicators show a 10.5% poverty rate alongside 3.4% unemployment. On housing, the median home value is $184,400 (6% below the state average) with median rent at $1,013 per month, and 76.4% 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 35.8, and the average commute is 24 minutes. To put 45887 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Allen County, for a geography-aware comparison.

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.

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 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

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 45887?

35.8

Median Age

55.7%

Male

44.3%

Female

0.0%

Foreign-Born

White 95.3%
African American 1.2%
Asian 0.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.9%
Hispanic or Latino 1.4%

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

$32,677

Per Capita Income

10.5%

Poverty Rate

3.4%

Unemployment Rate

23.7 min

Mean Commute Time

How ZIP 45887 ranks nationally

Spencerville, OH household income vs. every US ZIP code

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

$68,409 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 58.8%
Bachelor's Degree or Higher 12.0%

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

What does housing look like?

1,884

Total Housing Units

1,732

Occupied Units

152

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 76.4%
Renter 23.6%

$184,400

Median Home Value

-6% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45887 ranks #3 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 45887 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 45887 ranks #4 of 6 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
45833 Delphos, OH 10,667 8.6 mi
45838 Elgin, OH 50 6.3 mi
45894 Venedocia, OH 605 6.5 mi
45885 Saint Marys, OH 12,661 9.7 mi
45819 Buckland, OH 233 8.0 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 Spencerville, OH Ohio

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.

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