PlainZIP

Waynesfield, OH · standard

ZIP Code 45896

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

2,089
21/sq mi
$62,449
Median income
$173,000
Median home value
15.7%
Bachelor's or higher

The verdict

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

34th pct
household income, US ZIPs
36th pct
home value, US ZIPs
21
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45896 against every reporting US ZIP.

ZIP code 45896 covers 98.5 square miles in Waynesfield, Allen County, Ohio (a standard USPS delivery area), with a modest 2,089 residents on file, a density of 21 people per square mile, in the New York time zone.

ZIP 45896 reports a modest median household income of $62,449 (14% below the Ohio average), while per-capita income is $37,982. The poverty rate stands at 6.6% and the unemployment rate at 3.9%. Median home value sits at $173,000 (12% below the state average), median rent at $711 a month, and owner-occupancy at 84.1%.

Educational attainment sits below the national norm: 15.7% of adults hold a bachelor's degree or higher, the median age is 37.9, and the average commute is 26 minutes. To put 45896 in local context, 6 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 →

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 45896, Waynesfield, 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

2,089

Population

98.5

Area (sq mi)

21

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 45896?

37.9

Median Age

46.2%

Male

53.8%

Female

2.3%

Foreign-Born

White 95.4%
African American 0.0%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.9%
Hispanic or Latino 1.3%

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?

$62,449

Median Household Income

-14% vs state

$37,982

Per Capita Income

6.6%

Poverty Rate

3.9%

Unemployment Rate

25.7 min

Mean Commute Time

How ZIP 45896 ranks nationally

Waynesfield, OH household income vs. every US ZIP code

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

$62,449 34th percentile higher than 34% 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 62.6%
Bachelor's Degree or Higher 15.7%

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

What does housing look like?

773

Total Housing Units

696

Occupied Units

77

Vacant Units

2.63

Avg Household Size

Occupancy Type

Owner 84.1%
Renter 15.9%

$173,000

Median Home Value

-12% vs state

$711

Median Rent

1958

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

-2.6%

YoY Change (2024)

207

HPI Index (2000 = 100)

+107%

Total Change Since 2000

Home values in ZIP 45896 have decreased 2.6% over the past year (2024). Since 2000, this ZIP has seen +107% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.2% 134
2021 +9.0% 146
2022 +14.3% 167
2023 +26.8% 212
2024 -2.6% 207

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 20 business establishments in ZIP 45896, employing approximately 111 people with a combined annual payroll of $3,740,000.

20

Businesses

111

Employees

$3.7M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Manufacturing 3 15.0%
Health care and social assistance 3 15.0%

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 45896 vs 45870 →

ZIP 45896 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 45896 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 45896 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 45896 ranks #3 of 7 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
45870 New Hampshire, OH 156 3.5 mi
43331 Lakeview, OH 4,485 6.0 mi
45850 Harrod, OH 3,653 6.9 mi
43348 Russells Point, OH 1,984 9.7 mi
45812 Alger, OH 1,943 8.5 mi
45804 Lima, OH 15,758 10.4 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 Waynesfield, OH Ohio

Frequently Asked Questions

What county is ZIP code 45896 in? ▼
ZIP code 45896 (Waynesfield) 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 45896? ▼
ZIP code 45896 in Waynesfield, OH has a population of 2,089 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45896? ▼
The median household income in ZIP 45896 is $62,449, which is 18% below the national average of $76,288.
What is the average home value in ZIP 45896? ▼
The median home value in ZIP 45896 is $173,000, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 45896? ▼
The largest racial group in ZIP 45896 is White at 95.4%. Hispanic or Latino residents make up 1.3% of the population.
How many businesses are in ZIP code 45896? ▼
ZIP code 45896 has 20 business establishments employing approximately 111 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 45896? ▼
According to the FHFA House Price Index, home values in ZIP 45896 decreased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 107%. 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 45896? ▼
In ZIP code 45896, 62.6% of residents aged 25+ have a high school diploma or higher, and 15.7% 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 45896? ▼
The mean commute time for workers in ZIP code 45896 is 25.7 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 45896? ▼
In ZIP code 45896, approximately 84.1% of occupied housing units are owner-occupied and 15.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45896? ▼
The poverty rate in ZIP code 45896 is 6.6% 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.