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 Moderate-density area
- $62,449
- Median income Near-median income area
- $173,000
- Median home value Near-median home value
- 15.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45896 (Waynesfield, OH) fell -2.6% from 2023 to 2024. The all-transactions index moved from 212.0 in 2023 to 206.5 in 2024 (2000 = 100).
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 average Ohio ZIP), while per-capita income is $37,982. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.6% and unemployment is 3.9%. Median home value is $173,000 (12% below the average Ohio ZIP) and median rent is $711; 84.1% of occupied homes are owner-occupied.
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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Allen County, so 45896 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 →
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
Who lives in ZIP 45896?
37.9
Median Age
46.2%
Male
53.8%
Female
2.3%
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?
$62,449
Median Household Income
-14% vs state ZIP avg
$37,982
Per Capita Income
6.6%
Poverty Rate
3.9%
Unemployment Rate
25.7 min
Mean Commute Time
How ZIP 45896 ranks among Ohio ZIPs
Waynesfield, 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)
$62,449 34th percentile higher than 34% 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
773housing units
773
Total Housing Units
696
Occupied Units
77
Vacant Units
2.63
Avg Household Size
Occupancy Type
$173,000
Median Home Value
-12% vs state ZIP avg
$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.
- 45804
Lima (45804)
15,758 residents
- 43331 4,485
Lakeview (43331)
4,485 residents
- 45850 3,653
Harrod (45850)
3,653 residents
- 45896 2,089
Waynesfield (45896)
2,089 residents
- 43348 1,984
Russells Point (43348)
1,984 residents
- 45812 1,943
Alger (45812)
1,943 residents
- 45870 156
New Hampshire (45870)
156 residents
What this shows Among its immediate neighbors, ZIP 45896 ranks #4 by population - useful context the national average alone can't give.
ZIP 45896 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
- 45896 $62,449
Waynesfield (45896)
$62,449 median income
- 43331 $60,980
Lakeview (43331)
$60,980 median income
- 43348 $51,426
Russells Point (43348)
$51,426 median income
- 45804 $44,911
Lima (45804)
$44,911 median income
- 45812 $44,045
Alger (45812)
$44,045 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45896, 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 (2,089 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 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.
Related
Take this with you
What to do with ZIP 45896's numbers, next.
- See how ZIP 45896 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waynesfield, 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.