45827 ZIP Code — Cloverdale, OH

Putnam County, Ohio

ZIP code 45827 is located in Cloverdale, Ohio, within Putnam County. It covers approximately 64.11 square miles and serves a population of 2,043 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 419.

About ZIP code 45827

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 $178,500. Owner-occupancy is high at 96%, well above the national average.

The gap between median ($89,479) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 23 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.

Overall, ZIP code 45827 reflects a community defined by a trades-oriented workforce and high homeownership.

2,043

population

64.11

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45827 ZIP code map

Cities in ZIP code 45827

Below are the cities the US Postal Service accepts for ZIP code 45827. Using any city not on this list may result in mail delivery delays.

City	Status
Cloverdale	Preferred

Nearby ZIP codes

45844 Fort Jennings (6.3 mi) 45831 Continental (7.7 mi) 45849 Grover Hill (7.8 mi) 45873 Oakwood (9.5 mi) 45873 Oakwood (9.5 mi) 45863 Middle Point (10.7 mi) 45833 Delphos (12.2 mi) 45830 Columbus Grove (12.2 mi) 45875 Ottawa (12.8 mi) 45809 Gomer (12.9 mi) 43548 New Bavaria (14.5 mi) 45856 Leipsic (15.7 mi)

Demographics updated 05/2026

Population
Total population	2,043
Population density	32 / sq mi
State FIPS	39
County FIPS	137

Geography
Land area	64.11 sq mi
Water area	0.36 sq mi
Latitude	41.0071
Longitude	-84.2987
Timezone	Eastern (ET)
Area code	419

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.1%	35.4%	43.3%
$50k – $100k	29.8%	34.6%	31.4%
$100k – $200k	34.6%	25.9%	20.0%
Over $200k	5.5%	4.0%	5.2%

Demographics & statistics

2,043

Population

People per sq mi

47.9

Median age

$89,479

Median household income

$51,096

Per capita income

$178,500

Median home value

$803

Median monthly rent

95.7%

Home ownership

5.3%

Poverty rate

0.0%

Unemployment

881

Housing units

15.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

105

15–19

20–24

25–34

112

35–44

230

45–54

184

147

55–59

117

60–64

142

65–74

113

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	393	19.2%
18 and over	1,650	80.8%
65 and over	364	17.8%
Median age	47.9 years

Race & ethnicity

White 98%

Hispanic or Latino 0.9%

Other race 0.6%

Two or more races 0.4%

Group	Count	%
White	2,021	98%
Hispanic or Latino	19	0.9%
Other race	13	0.6%
Two or more races	8	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.1%	35.4%	43.3%
$50k – $100k	29.8%	34.6%	31.4%
$100k – $200k	34.6%	25.9%	20.0%
Over $200k	5.5%	4.0%	5.2%

Under $10k 4.1%

$10k–$15k 1.3%

$15k–$25k 1.9%

$25k–$35k 2.0%

$35k–$50k 19.5%

$50k–$75k 12.5%

$75k–$100k 15.6%

$100k–$150k 21.0%

$150k–$200k 12.6%

$200k+ 9.4%

Range	% of households
Under $10k	4.1%
$10k–$15k	1.3%
$15k–$25k	1.9%
$25k–$35k	2.0%
$35k–$50k	19.5%
$50k–$75k	12.5%
$75k–$100k	15.6%
$100k–$150k	21.0%
$150k–$200k	12.6%
$200k+	9.4%
Median income	$89,479

Housing

Home values

Under $50k 12.7%

$50k–$100k 17.6%

$100k–$150k 13.7%

$150k–$200k 10.1%

$200k–$300k 26.5%

$300k–$500k 19.0%

$500k–$1M 0.4%

Housing overview

Metric	Value
Median home value	$178,500
Median rent / month	$803
Owner occupied	95.7%
Renter occupied	4.3%
Vacant	7.6%
Single-family detached	88.3%
Large apartment buildings	0.1%
Mobile homes	7.7%
Median rooms	7.0
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.4%
2010–2019	5.9%
2000–2009	11.9%
1990–1999	11.9%
1980–1989	13.2%
1970–1979	12.6%
1960–1969	6.0%
1950–1959	3.2%
1940–1949	1.9%
1939 or earlier	33.0%

Bedrooms

Size	% of units
No bedroom (studio)	3.3%
1 bedroom	5.5%
2 bedrooms	15.8%
3 bedrooms	53.8%
4 bedrooms	19.8%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.7%
1 vehicle	19.1%
2 vehicles	28.5%
3 or more	49.7%

Heating fuel

Fuel type	%
Utility gas	3.0%
Electricity	31.6%
Propane / LP gas	46.8%
Fuel oil	1.1%
Wood	15.8%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	547	64.6%
Cohabiting couple	18	2.1%
Male householder, no spouse	209	24.7%
Female householder, no spouse	73	8.6%
Households with children under 18	212	25.0%
Households with seniors (65+)	240	28.3%
Average household size	2.39

Marital status

Status	Male	Female
Never married	28.1%	19.9%
Married	55.3%	67.8%
Separated	0.2%	0.3%
Widowed	0.4%	7.0%
Divorced	16.0%	5.0%

Education

Less than 9th grade 0.5%

Some HS, no diploma 4.9%

HS graduate 58.7%

Some college, no degree 10.4%

Associate's degree 10.2%

Bachelor's degree 12.2%

Graduate / professional 3.1%

Metric	%
HS diploma or higher	94.6%
Bachelor's or higher	15.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	7	1.7%
Kindergarten	6	1.5%
Elementary school	186	45.7%
High school	128	31.4%
College / grad school	80	19.7%

Employment

Industry of employment

Manufacturing 42.0%

Education & healthcare 21.0%

Retail trade 11.0%

Construction 8.2%

Agriculture & mining 6.6%

Arts, food & hospitality 2.8%

Professional & management 2.3%

Wholesale trade 2.2%

Other services 1.6%

Transportation & utilities 1.1%

Public administration 0.8%

Finance & real estate 0.4%

Occupation

Category	%
Management, business & arts	29.1%
Service	8.2%
Sales & office	18.8%
Natural resources & construction	10.2%
Production & transportation	33.8%

Employment type

Type	%
Private sector	89.6%
Government	5.1%
Self-employed	4.1%
Unpaid family workers	1.2%

Commute

Method	%
Drive alone	85.3%
Carpool	6.5%
Public transit	0.0%
Walk	7.1%
Work from home	1.0%
Other means	0.0%
Avg commute (minutes)	22.9

Poverty

All people 5.3%

Under 18 years 5.6%

18 and over 5.3%

Married-couple families 0.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	28.2%
Retirement income	22.4%
Supplemental Security	5.7%
Cash public assistance	0.2%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	35.6%
High blood pressure	30.7%
High cholesterol	28.8%
Diabetes	9.5%
Heart disease	6.0%
Stroke	2.7%
Asthma	9.5%
Arthritis	24.4%
Kidney disease	2.4%
Pulmonary disease	7.4%
Cancer	6.1%

Behavior / access	%
Smoking	21.3%
Binge drinking	20.0%
No physical activity	24.6%
Less than 7 hrs sleep	33.3%
Depression	21.9%
Fair or poor health	12.6%
Poor mental health	15.9%
Poor physical health	9.5%
No health insurance	11.1%
Visited doctor (checkup)	72.9%
Visited dentist	65.9%
Cholesterol screening	88.0%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	72	4.4%

Disability	%
Any disability	13.7%
Under 18	0.0%
18–64 years	13.1%
65 and over	30.5%

Health insurance coverage

Type	%
Private insurance	85.4%
Public insurance	25.3%
No insurance	5.0%
Uninsured under 19	1.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,983	97.1%
Spanish	16	0.8%
Other Indo-European	16	0.8%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,043	100.0%
Born in same state	2,043	100.0%
Born in different state	1,947	95.3%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	162	7.9%
Italian	37	1.8%
French	17	0.8%

Ancestry	Count	%
English	16	0.8%
Polish	2	0.1%

Technology access

Metric	% of households
Computer access	41.5%
Internet access	89.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 45827

What city is ZIP code 45827 in?

ZIP code 45827 is primarily assigned to Cloverdale, Ohio.

What county is ZIP code 45827 in?

ZIP code 45827 falls within Putnam County, Ohio.

Is ZIP code 45827 mostly owner-occupied?

96% of occupied units in ZIP code 45827 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 45827?

The median home value in ZIP code 45827 is $178,500.

What is the population of ZIP code 45827?

ZIP code 45827 has an estimated population of 2,043 residents, with a density of 32 people per square mile.

What is the median household income in ZIP code 45827?

The median household income in ZIP code 45827 is $89,479, above the national median of ~$75,000.

What timezone is ZIP code 45827 in?

ZIP code 45827 observes the EST timezone.