Zip code 45828: Coldwater, Ohio

Q: What city is zip code 45828?

45828 is assigned to Coldwater, Ohio. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 45828 in?

45828 is in Mercer County, Ohio.

Q: What is the population of 45828?

About 6,404 people live in 45828, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 45828?

The median household income in 45828 is $72,703.

Q: What zip codes are near 45828?

The closest zip codes to 45828 are 45846, 45883, 45822, 45866, 45310.

Residential delivery areaMercer CountyEastern Time

Population

6,404

Median household income

$73K

U.S. $81K

Median home value

$252K

U.S. $333K

Median rent

$846/mo

U.S. $1,413

Median age

33.3

U.S. 38.9

Land area

34 sq mi

189 people/sq mi

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

About 45828

45828 is a small-town zip code in Coldwater, Ohio (Mercer County), covering 34 sq mi of land. About 6,404 people live here, or 189 per square mile. The median resident is 33.3 years old, compared with 38.9 nationally.

The median household earns $72,703 a year, close to the national median of $80,734. 5.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $252,100, or 3.5 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 72% of occupied homes are lived in by their owners, and renters pay a median of $846 a month.

27% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 15.2 minutes each way, and 2% of workers work from home. The most common jobs among working residents are in office and administrative support; management; and production and manufacturing.

How 45828 compares

Sorted from highest to lowest national percentile

Residents under 1833.3%
99th
U.S. 22% · OH 22%47th of 1,168 in OH
Self-employed workers13.4%
85th
U.S. 10% · OH 8.1%165th of 1,163 in OH
Homeownership rate72.4%
60th
U.S. 65.2% · OH 67.2%774th of 1,159 in OH
Healthcare workers9.5%
50th
U.S. 9.7% · OH 10.5%657th of 1,163 in OH
Broadband access91.6%
45th
U.S. 91% · OH 90.1%381st of 1,159 in OH
Residents 65 and older15.9%
45th
U.S. 17.2% · OH 18.3%826th of 1,168 in OH
Median earnings per worker$46,042
43rd
U.S. $49,666 · OH $47,692542nd of 1,153 in OH
Government workers12.9%
43rd
U.S. 14.5% · OH 12.9%513th of 1,163 in OH
Median household income$72,703
40th
U.S. $80,734 · OH $71,389510th of 1,122 in OH
Bachelor's degree or higher26.7%
38th
U.S. 35.7% · OH 31.5%346th of 1,166 in OH
Median home value$252,100
34th
U.S. $332,700 · OH $214,800212th of 1,114 in OH
Tech workers1.8%
29th
U.S. 3.8% · OH 3.2%499th of 1,163 in OH
Population density189/sq mi
20th
U.S. 95/sq mi · OH 289/sq mi606th of 1,168 in OH
Per capita income$30,304
20th
WeaknessU.S. $44,673 · OH $40,552827th of 1,165 in OH
Poverty rate5.3%
14th
StrengthU.S. 12.5% · OH 13.3%958th of 1,159 in OH
Veterans2.9%
14th
U.S. 6.2% · OH 6.6%1,070th of 1,168 in OH
Median age33.3
12th
U.S. 38.9 · OH 39.71,039th of 1,166 in OH
Foreign-born residents2%
12th
U.S. 14.1% · OH 5.2%424th of 1,168 in OH
Population6,404
10th
U.S. 334,922,499 · OH 11,810,293475th of 1,168 in OH
Median gross rent$846
10th
U.S. $1,413 · OH $1,034656th of 1,007 in OH
Rent-burdened renters31.6%
6th
StrengthU.S. 51.1% · OH 45.9%814th of 1,113 in OH
Unemployment rate2%
5th
StrengthU.S. 5.2% · OH 4.8%873rd of 1,164 in OH
Diversity index11.1
5th
U.S. 61.4 · OH 40.6751st of 1,168 in OH
Uninsured rate2%
5th
StrengthU.S. 8.4% · OH 6.4%1,037th of 1,165 in OH
Income inequality (Gini)0.364
5th
StrengthU.S. 0.483 · OH 0.467894th of 1,156 in OH
Average commute15.2 min
2nd
StrengthU.S. 26.4 min · OH 23.4 min1,109th of 1,121 in OH
Work from home2.3%
1st
U.S. 15.1% · OH 13%1,008th of 1,163 in OH
Housing vacancy0%
1st
U.S. 10.1% · OH 8.1%1,129th of 1,160 in OH

Measure	45828	Mercer	OH	U.S.	National percentile	Rank in OH
Residents under 18	33.3%	25.4%	22%	22%	99th	47th of 1,168
Self-employed workers	13.4%	10.3%	8.1%	10%	85th	165th of 1,163
Homeownership rate	72.4%	79.6%	67.2%	65.2%	60th	774th of 1,159
Healthcare workers	9.5%	9.1%	10.5%	9.7%	50th	657th of 1,163
Broadband access	91.6%	91.5%	90.1%	91%	45th	381st of 1,159
Residents 65 and older	15.9%	19.2%	18.3%	17.2%	45th	826th of 1,168
Median earnings per worker	$46,042	$47,687	$47,692	$49,666	43rd	542nd of 1,153
Government workers	12.9%	12.3%	12.9%	14.5%	43rd	513th of 1,163
Median household income	$72,703	$76,782	$71,389	$80,734	40th	510th of 1,122
Bachelor's degree or higher	26.7%	21.9%	31.5%	35.7%	38th	346th of 1,166
Median home value	$252,100	$210,600	$214,800	$332,700	34th	212th of 1,114
Tech workers	1.8%	1.8%	3.2%	3.8%	29th	499th of 1,163
Population density	189/sq mi	92/sq mi	289/sq mi	95/sq mi	20th	606th of 1,168
Per capita incomeWeakness	$30,304	$35,761	$40,552	$44,673	20th	827th of 1,165
Poverty rateStrength	5.3%	7.3%	13.3%	12.5%	14th	958th of 1,159
Veterans	2.9%	5.3%	6.6%	6.2%	14th	1,070th of 1,168
Median age	33.3	39.4	39.7	38.9	12th	1,039th of 1,166
Foreign-born residents	2%	1.7%	5.2%	14.1%	12th	424th of 1,168
Population	6,404	42,484	11,810,293	334,922,499	10th	475th of 1,168
Median gross rent	$846	$804	$1,034	$1,413	10th	656th of 1,007
Rent-burdened rentersStrength	31.6%	36.6%	45.9%	51.1%	6th	814th of 1,113
Unemployment rateStrength	2%	1.6%	4.8%	5.2%	5th	873rd of 1,164
Diversity index	11.1	11.2	40.6	61.4	5th	751st of 1,168
Uninsured rateStrength	2%	3.6%	6.4%	8.4%	5th	1,037th of 1,165
Income inequality (Gini)Strength	0.364	0.403	0.467	0.483	5th	894th of 1,156
Average commuteStrength	15.2 min	18.5 min	23.4 min	26.4 min	2nd	1,109th of 1,121
Work from home	2.3%	4.4%	13%	15.1%	1st	1,008th of 1,163
Housing vacancy	0%	9.4%	8.1%	10.1%	1st	1,129th of 1,160

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

27%

5–17

18–24

12%

25–34

12%

35–44

45–54

11%

55–64

65–74

75+

Median age

33.3

Under 18

33.3%

65 and over

15.9%

Race and ethnicity

White94%
Black0.0%
Hispanic3%
Asian0.7%
Native American0%
Pacific Islander0.0%
Other0%
Multiracial2%

Diversity index

11.1

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

93%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

0.9%

Other

Households

Households: 2,281
Average household size: 2.8
Family households: 74.9%
Married couples: 63.6%
Living alone: 22.6%
Veterans (of adults): 2.9%
Male / female: 45% / 55%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

18%

$50–75k

21%

$75–100k

13%

$100–150k

25%

$150–200k

$200k+

Median household income

45828

$72,703

Mercer Co.

$76,782

Ohio

$71,389

United States

$80,734

Per capita income

$30,304

U.S. $44,673

Poverty rate

5.3%

U.S. 12.5%

Households earning $150K+

10.1%

U.S. 23%

Income inequality (Gini)

0.364

U.S. 0.483

Housing

Median home value

45828

$252,100

Mercer Co.

$210,600

Ohio

$214,800

United States

$332,700

Median gross rent

45828

$846

Mercer Co.

$804

Ohio

$1,034

United States

$1,413

Types of housing

Single-family

86%

2–4 units

10%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 2,281
Owner-occupied: 72.4%
Vacant: 0%
Median year built: 1976
Median rooms: 6.4
Renters paying 30%+ of income: 31.6%
Renters paying 50%+ of income: 3.9%
Home value to income: 3.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

84%

Carpooled

10%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

41%

10–19

28%

20–29

20%

30–44

45–59

60+

Average commute

15.2 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

68.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

17%

Management

11%

Production

10%

Healthcare

10%

Construction and repair

Transportation and moving

Education

Sales

Food service

Engineering and science

Cleaning and personal care

Business and finance

Farming, fishing and forestry

Computer and math

Police and fire

Arts, media and sports

0.3%

Legal and social services

0.2%

Industries

Manufacturing

28%

Health care and social assistance

15%

Retail

14%

Education

Construction

Other services

Agriculture and mining

Restaurants and hotels

Admin, support and management

Transportation, warehousing and utilities

Public administration

Wholesale

Professional and technical services

Information

Finance, insurance and real estate

Arts and recreation

Median earnings per worker

$46,042

U.S. $49,666

Self-employed

13.4%

U.S. 10%

Government workers

12.9%

U.S. 14.5%

Nonprofit workers

5.3%

U.S. 8.8%

Median earnings by type of work

Type of work	45828	U.S.
Management, business, science and arts	$70,230	$74,888
Service	$13,083	$26,804
Sales and office	$26,964	$40,476
Construction and maintenance	$48,144	$49,199
Production and transportation	$46,987	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

36%

Some college

21%

Associate's

11%

Bachelor's

18%

Graduate

High school graduate or higher: 94.6%
Bachelor's degree or higher: 26.7%
Graduate or professional degree: 8.9%
Households with broadband: 91.6%
Cable, fiber or DSL: 84.3%
No internet access: 6.1%
Without health insurance: 2%
Limited-English households: 0%

Geography

City (USPS): Coldwater
State: Ohio
County: Mercer County
Center point: 40.4836° N, 84.6829° W
Land area: 34 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Coldwater6% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 45828

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
45846	Fort Recovery, OH	6 mi	4,644	$91,736	$249,400
45883	Saint Henry, OH	6.7 mi	4,144	$113,967	$297,000
45822	Celina, OH	6.7 mi	19,957	$70,200	$182,700
45866	Montezuma, OH	7 mi	117	$80,833	$110,900
45310	Burkettsville, OH	9.3 mi	227	$77,917	$207,000
45860	Maria Stein, OH	10 mi	2,326	$111,269	$296,000
45826	Chickasaw, OH	11 mi	394	$101,250	$296,900
45348	New Weston, OH	11 mi	848	$120,170	$248,400
47381	Salamonia, IN	12 mi	218	$44,464	$83,800
45350	North Star, OH	12 mi	69	$102,500	$170,800
45362	Rossburg, OH	14 mi	1,071	$61,687	$231,500
45882	Rockford, OH	14 mi	2,919	$74,625	$161,700

Zip codes like 45828 elsewhere

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

Questions about 45828

What city is zip code 45828?

45828 is assigned to Coldwater, Ohio. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 45828 in?

45828 is in Mercer County, Ohio.

What is the population of 45828?

About 6,404 people live in 45828, according to the Census Bureau's American Community Survey.

What time zone is 45828 in?

45828 is in Eastern Time.

What is the median household income in 45828?

The median household income in 45828 is $72,703.

What zip codes are near 45828?

The closest zip codes to 45828 are 45846, 45883, 45822, 45866, 45310.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 45828, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.