Zip code 45786: Waterford, Ohio

Q: What city is zip code 45786?

45786 is assigned to Waterford, Ohio. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 45786 in?

45786 is mostly in Washington County, but it extends into 1 other county.

Q: What is the population of 45786?

About 3,187 people live in 45786, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 45786?

The median household income in 45786 is $70,917.

Q: What zip codes are near 45786?

The closest zip codes to 45786 are 45787, 45721, 45729, 45712, 45715.

Residential delivery areaWashington CountyEastern Time

Population

3,187

Median household income

$71K

U.S. $81K

Median home value

$219K

U.S. $333K

Median rent

$821/mo

U.S. $1,413

Median age

50.6

U.S. 38.9

Land area

63 sq mi

50 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 45786

45786 is a small-town zip code in Waterford, Ohio (Washington County), covering 63 sq mi of land. About 3,187 people live here, or 50 per square mile. The median resident is 50.6 years old, compared with 38.9 nationally.

The median household earns $70,917 a year, close to the national median of $80,734. 8.2% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $218,500, or 3.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 89% of occupied homes are lived in by their owners, and renters pay a median of $821 a month.

28% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 22.8 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in management; production and manufacturing; and office and administrative support.

How 45786 compares

Sorted from highest to lowest national percentile

Median age50.6
96th
U.S. 38.9 · OH 39.7116th of 1,166 in OH
Residents 65 and older27.2%
95th
U.S. 17.2% · OH 18.3%111th of 1,168 in OH
Homeownership rate88.5%
94th
StrengthU.S. 65.2% · OH 67.2%203rd of 1,159 in OH
Tech workers7.2%
91st
U.S. 3.8% · OH 3.2%39th of 1,163 in OH
Government workers21.3%
88th
U.S. 14.5% · OH 12.9%81st of 1,163 in OH
Self-employed workers12.7%
81st
U.S. 10% · OH 8.1%185th of 1,163 in OH
Median earnings per worker$56,498
70th
U.S. $49,666 · OH $47,692172nd of 1,153 in OH
Veterans6.3%
57th
U.S. 6.2% · OH 6.6%651st of 1,168 in OH
Per capita income$39,075
47th
U.S. $44,673 · OH $40,552381st of 1,165 in OH
Work from home11.6%
44th
U.S. 15.1% · OH 13%351st of 1,163 in OH
Bachelor's degree or higher28%
41st
U.S. 35.7% · OH 31.5%316th of 1,166 in OH
Median household income$70,917
37th
U.S. $80,734 · OH $71,389551st of 1,122 in OH
Residents under 1820.6%
36th
U.S. 22% · OH 22%721st of 1,168 in OH
Poverty rate8.2%
33rd
U.S. 12.5% · OH 13.3%734th of 1,159 in OH
Average commute22.8 min
28th
U.S. 26.4 min · OH 23.4 min725th of 1,121 in OH
Housing vacancy4.5%
28th
U.S. 10.1% · OH 8.1%841st of 1,160 in OH
Income inequality (Gini)0.408
26th
U.S. 0.483 · OH 0.467621st of 1,156 in OH
Median home value$218,500
25th
U.S. $332,700 · OH $214,800360th of 1,114 in OH
Healthcare workers7.2%
18th
U.S. 9.7% · OH 10.5%908th of 1,163 in OH
Median gross rent$821
8th
U.S. $1,413 · OH $1,034712th of 1,007 in OH
Population density50/sq mi
7th
U.S. 95/sq mi · OH 289/sq mi969th of 1,168 in OH
Uninsured rate2.1%
6th
StrengthU.S. 8.4% · OH 6.4%1,030th of 1,165 in OH
Population3,187
5th
U.S. 334,922,499 · OH 11,810,293655th of 1,168 in OH
Unemployment rate1.9%
5th
StrengthU.S. 5.2% · OH 4.8%886th of 1,164 in OH
Broadband access77.3%
3rd
WeaknessU.S. 91% · OH 90.1%1,041st of 1,159 in OH
Diversity index1.1
1st
U.S. 61.4 · OH 40.61,096th of 1,168 in OH
Foreign-born residents0%
1st
U.S. 14.1% · OH 5.2%1,155th of 1,168 in OH
Rent-burdened renters0%
1st
StrengthU.S. 51.1% · OH 45.9%1,108th of 1,113 in OH

Measure	45786	Washington	OH	U.S.	National percentile	Rank in OH
Median age	50.6	44	39.7	38.9	96th	116th of 1,166
Residents 65 and older	27.2%	22.2%	18.3%	17.2%	95th	111th of 1,168
Homeownership rateStrength	88.5%	75.4%	67.2%	65.2%	94th	203rd of 1,159
Tech workers	7.2%	2.1%	3.2%	3.8%	91st	39th of 1,163
Government workers	21.3%	14.4%	12.9%	14.5%	88th	81st of 1,163
Self-employed workers	12.7%	7.6%	8.1%	10%	81st	185th of 1,163
Median earnings per worker	$56,498	$41,378	$47,692	$49,666	70th	172nd of 1,153
Veterans	6.3%	9.1%	6.6%	6.2%	57th	651st of 1,168
Per capita income	$39,075	$35,495	$40,552	$44,673	47th	381st of 1,165
Work from home	11.6%	9.1%	13%	15.1%	44th	351st of 1,163
Bachelor's degree or higher	28%	21.9%	31.5%	35.7%	41st	316th of 1,166
Median household income	$70,917	$63,603	$71,389	$80,734	37th	551st of 1,122
Residents under 18	20.6%	19.8%	22%	22%	36th	721st of 1,168
Poverty rate	8.2%	13.7%	13.3%	12.5%	33rd	734th of 1,159
Average commute	22.8 min	23.5 min	23.4 min	26.4 min	28th	725th of 1,121
Housing vacancy	4.5%	11.3%	8.1%	10.1%	28th	841st of 1,160
Income inequality (Gini)	0.408	0.445	0.467	0.483	26th	621st of 1,156
Median home value	$218,500	$185,600	$214,800	$332,700	25th	360th of 1,114
Healthcare workers	7.2%	11.2%	10.5%	9.7%	18th	908th of 1,163
Median gross rent	$821	$852	$1,034	$1,413	8th	712th of 1,007
Population density	50/sq mi	93/sq mi	289/sq mi	95/sq mi	7th	969th of 1,168
Uninsured rateStrength	2.1%	6.2%	6.4%	8.4%	6th	1,030th of 1,165
Population	3,187	58,978	11,810,293	334,922,499	5th	655th of 1,168
Unemployment rateStrength	1.9%	4.8%	4.8%	5.2%	5th	886th of 1,164
Broadband accessWeakness	77.3%	87.5%	90.1%	91%	3rd	1,041st of 1,159
Diversity index	1.1	12.2	40.6	61.4	1st	1,096th of 1,168
Foreign-born residents	0%	1.2%	5.2%	14.1%	1st	1,155th of 1,168
Rent-burdened rentersStrength	0%	49.7%	45.9%	51.1%	1st	1,108th of 1,113

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

15%

5–17

18–24

25–34

11%

35–44

12%

45–54

16%

55–64

18%

65–74

75+

Median age

50.6

Under 18

20.6%

65 and over

27.2%

Race and ethnicity

White99%
Black0%
Hispanic0.3%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial0.2%

Diversity index

1.1

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

81.4%

Language spoken at home (households)

English only

98%

Spanish

Other Indo-European

0.8%

Asian / Pacific

Other

Households

Households: 1,353
Average household size: 2.4
Family households: 69%
Married couples: 57.7%
Living alone: 26.3%
Veterans (of adults): 6.3%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

$25–50k

28%

$50–75k

14%

$75–100k

11%

$100–150k

19%

$150–200k

12%

$200k+

Median household income

45786

$70,917

Washington Co.

$63,603

Ohio

$71,389

United States

$80,734

Per capita income

$39,075

U.S. $44,673

Poverty rate

8.2%

U.S. 12.5%

Households earning $150K+

18.6%

U.S. 23%

Income inequality (Gini)

0.408

U.S. 0.483

Housing

Median home value

45786

$218,500

Washington Co.

$185,600

Ohio

$214,800

United States

$332,700

Median gross rent

45786

$821

Washington Co.

$852

Ohio

$1,034

United States

$1,413

Types of housing

Single-family

86%

2–4 units

5–19 units

20+ units

Mobile home

12%

Boat, RV, van

Housing units: 1,417
Owner-occupied: 88.5%
Vacant: 4.5%
Median year built: 1979
Median rooms: 6.1
Renters paying 30%+ of income: 0%
Renters paying 50%+ of income: 0%
Home value to income: 3.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

84%

Carpooled

Transit

0.7%

Walked

0.7%

Bicycle

Worked from home

12%

Other

0.6%

Commute time (one way)

<10 min

12%

10–19

37%

20–29

16%

30–44

26%

45–59

60+

Average commute

22.8 min

U.S. 26.4 min

Unemployment

1.9%

U.S. 5.2%

In labor force

59.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

17%

Production

16%

Office and admin

11%

Construction and repair

10%

Education

10%

Transportation and moving

10%

Computer and math

Healthcare

Sales

Engineering and science

Cleaning and personal care

Business and finance

Police and fire

Arts, media and sports

0.6%

Food service

0.5%

Legal and social services

Farming, fishing and forestry

Industries

Manufacturing

20%

Education

16%

Construction

11%

Health care and social assistance

10%

Retail

Transportation, warehousing and utilities

Public administration

Restaurants and hotels

Agriculture and mining

Professional and technical services

Finance, insurance and real estate

Other services

Admin, support and management

Wholesale

Information

0.5%

Arts and recreation

Median earnings per worker

$56,498

U.S. $49,666

Self-employed

12.7%

U.S. 10%

Government workers

21.3%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	45786	U.S.
Management, business, science and arts	$61,667	$74,888
Service	$56,225	$26,804
Sales and office	$33,083	$40,476
Construction and maintenance	$48,750	$49,199
Production and transportation	$62,500	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

41%

Some college

13%

Associate's

17%

Bachelor's

18%

Graduate

10%

High school graduate or higher: 98.8%
Bachelor's degree or higher: 28%
Graduate or professional degree: 9.7%
Households with broadband: 77.3%
Cable, fiber or DSL: 40.9%
No internet access: 16.9%
Without health insurance: 2.1%
Limited-English households: 0%

Geography

City (USPS): Waterford
State: Ohio
County: Washington County
Center point: 39.5027° N, 81.6551° W
Land area: 63 sq mi
Water area: 1.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

45786 spans 2 counties

Washington County96% of land
Morgan County4% of land

Zip codes near 45786

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
45787	Watertown, OH · PO box	2.8 mi	—	—	—
45721	Coal Run, OH	5.8 mi	15	—	—
45729	Fleming, OH	6.4 mi	2,121	$82,110	$249,100
45712	Barlow, OH · PO box	7.2 mi	—	—	—
45715	Beverly, OH	7.6 mi	2,006	$47,176	$176,000
45784	Vincent, OH	8 mi	3,002	$82,713	$229,800
43787	Stockport, OH	8 mi	2,524	$45,880	$153,000
45744	Lowell, OH	9.2 mi	2,179	$69,148	$201,500
45713	Bartlett, OH · PO box	10 mi	—	—	—
45724	Cutler, OH	11 mi	1,218	$58,500	$149,200
45746	Macksburg, OH	13 mi	329	$65,161	$109,700
43728	Chesterhill, OH	13 mi	1,223	$66,000	$143,500

Zip codes like 45786 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 45786

What city is zip code 45786?

45786 is assigned to Waterford, Ohio. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 45786 in?

45786 is mostly in Washington County, but it extends into 1 other county.

What is the population of 45786?

About 3,187 people live in 45786, according to the Census Bureau's American Community Survey.

What time zone is 45786 in?

45786 is in Eastern Time.

What is the median household income in 45786?

The median household income in 45786 is $70,917.

What zip codes are near 45786?

The closest zip codes to 45786 are 45787, 45721, 45729, 45712, 45715.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 45786, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.