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Ohio ZIP Codes
Allen County
Cairo, OH
45820
45820 ZIP Code — Cairo, OH
Allen County, Ohio
ZIP code 45820 is located in
Cairo ,
Ohio ,
within Allen County .
It covers approximately 0.28 square miles and serves a population of
645 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 419 .
About ZIP code 45820
The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $99,200. Owner-occupancy is high at 82%, well above the national average.
Median household income is $65,962. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 18 minutes is near the national average.
College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (21%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.
Overall, ZIP code 45820 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.
45820 ZIP code map
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Cities in ZIP code 45820
Below are the cities the US Postal Service accepts for ZIP code 45820. Using any city not on this list may result in mail delivery delays.
City
Status
Cairo
Acceptable
Demographics
updated 06/2026
Population
Total population
645
Population density
2,304 / sq mi
State FIPS
39
County FIPS
003
Geography
Land area
0.28 sq mi
Water area
0.00 sq mi
Latitude
40.8287
Longitude
-84.0859
Timezone
Eastern (ET)
Area code
419
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
39.7%
48.1%
43.3%
$50k – $100k
43.2%
33.6%
31.4%
$100k – $200k
16.7%
15.6%
20.0%
Over $200k
0.4%
2.6%
5.2%
Demographics & statistics
$65,962
Median household income
14.9%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 104 16.1% 18 and over 541 83.9% 65 and over 98 15.2% Median age 35.0 years
Race & ethnicity
Group Count % White 633 97.5% Asian 5 0.8% Hispanic or Latino 4 0.6% Other race 4 0.6% Two or more races 3 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
39.7%
48.1%
43.3%
$50k – $100k
43.2%
33.6%
31.4%
$100k – $200k
16.7%
15.6%
20.0%
Over $200k
0.4%
2.6%
5.2%
Range % of households Under $10k 2.4% $10k–$15k 1.6% $15k–$25k 6.5% $25k–$35k 7.7% $35k–$50k 17.9% $50k–$75k 19.1% $75k–$100k 16.7% $100k–$150k 15.4% $150k–$200k 12.6% Median income $65,962
Housing
Housing overview
Metric Value Median home value $99,200 Median rent / month $788 Owner occupied 81.7% Renter occupied 18.3% Vacant 9.6% Single-family detached 87.5% Large apartment buildings 0.0% Mobile homes 7.4% Median rooms 6.2 Avg household size (owned) 2.60
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 4.8% 1990–1999 9.9% 1980–1989 7.0% 1970–1979 18.8% 1960–1969 5.5% 1950–1959 3.3% 1940–1949 2.2% 1939 or earlier 48.5%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 7.0% 2 bedrooms 22.1% 3 bedrooms 47.1% 4 bedrooms 21.3% 5+ bedrooms 2.6%
Vehicles per household
Vehicles % of households No vehicle 2.0% 1 vehicle 26.4% 2 vehicles 35.8% 3 or more 35.8%
Heating fuel
Fuel type % Utility gas 77.2% Electricity 19.1% Propane / LP gas 3.7%
Households & families
Household type Count % Married-couple family 127 51.6% Cohabiting couple 20 8.1% Male householder, no spouse 29 11.8% Female householder, no spouse 70 28.5% Households with children under 18 52 21.1% Households with seniors (65+) 78 31.7% Average household size 2.62
Marital status
Status Male Female Never married 42.9% 21.5% Married 46.9% 45.2% Separated 2.6% 0.0% Widowed 1.8% 9.3% Divorced 5.9% 24.0%
Education
Some college, no degree
25.2%
Graduate / professional
1.1%
Metric % HS diploma or higher 94.2% Bachelor's or higher 14.9%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 43 35.2% High school 22 18.0% College / grad school 57 46.7%
Employment
Industry of employment
Education & healthcare
20.8%
Arts, food & hospitality
15.4%
Transportation & utilities
5.6%
Finance & real estate
3.4%
Professional & management
1.0%
Public administration
0.5%
Occupation
Category % Management, business & arts 25.2% Service 16.9% Sales & office 28.2% Natural resources & construction 4.4% Production & transportation 25.2%
Employment type
Type % Private sector 95.3% Government 3.4% Self-employed 1.2% Unpaid family workers 0.0%
Commute
Method % Drive alone 88.6% Carpool 7.3% Public transit 0.0% Walk 0.0% Work from home 1.0% Other means 3.0% Avg commute (minutes) 18.0
Poverty
Married-couple families
1.6%
Female-led households
31.6%
Income support
Source % of households Social Security 32.9% Retirement income 27.6% Supplemental Security 5.3% Cash public assistance 8.9% Food stamps / SNAP 8.9%
Health indicators
Condition % Obesity 37.0% High blood pressure 31.8% High cholesterol 30.1% Diabetes 10.2% Heart disease 6.8% Stroke 2.9% Asthma 10.3% Arthritis 27.9% Kidney disease 2.7% Pulmonary disease 8.1% Cancer 6.9%
Behavior / access % Smoking 20.7% Binge drinking 19.0% No physical activity 25.2% Less than 7 hrs sleep 34.1% Depression 24.0% Fair or poor health 13.9% Poor mental health 16.0% Poor physical health 10.1% No health insurance 10.9% Visited doctor (checkup) 76.8% Visited dentist 67.5% Cholesterol screening 88.5% Teeth loss 13.1%
Veterans & disability
Veterans Count % Civilian veterans 61 11.3%
Disability % Any disability 14.7% Under 18 1.0% 18–64 years 11.1% 65 and over 45.9%
Health insurance coverage
Type % Private insurance 75.7% Public insurance 32.4% No insurance 5.9% Uninsured under 19 3.8%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 610 94.6% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 640 99.2% Born in same state 640 99.2% Born in different state 618 95.8% Foreign born 0 0.0% Naturalized citizen 5 0.8% Not a US citizen 5 100.0%
Ancestry
Ancestry Count % Italian 152 23.6% French 87 13.5%
Ancestry Count % Arab 58 9% English 8 1.2%
Technology access
Metric % of households Computer access 38.1% Internet access 89.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 45820
What city is ZIP code 45820 in?
ZIP code 45820 is primarily assigned to Cairo, Ohio.
What county is ZIP code 45820 in?
ZIP code 45820 falls within Allen County, Ohio.
How educated is the population of ZIP code 45820?
15% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
Is ZIP code 45820 mostly owner-occupied?
82% of occupied units in ZIP code 45820 are owner-occupied, well above the national average.
Does ZIP code 45820 have a large veteran population?
11% of civilians in ZIP code 45820 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 45820?
The median home value in ZIP code 45820 is $99,200.
What timezone is ZIP code 45820 in?
ZIP code 45820 observes the EST timezone.
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