45828 ZIP Code — Coldwater, OH

Mercer County, Ohio

ZIP code 45828 is located in Coldwater, Ohio, within Mercer County. It covers approximately 33.87 square miles and serves a population of 6,555 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 419/567.

About ZIP code 45828

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $217,100. Owner-occupancy is high at 81%, well above the national average.

Median household income is $76,853. The poverty rate of 3% is below the national average.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 19 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

6,555

population

33.87

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45828 ZIP code map

Cities in ZIP code 45828

Below are the cities the US Postal Service accepts for ZIP code 45828. Using any city not on this list may result in mail delivery delays.

City	Status
Coldwater	Preferred

Nearby ZIP codes

45846 Fort Recovery (3.5 mi) 45822 Celina (4.3 mi) 45883 Saint Henry (6.6 mi) 45860 Maria Stein (11.7 mi) 45348 New Weston (12.5 mi) 45882 Rockford (12.8 mi) 45869 New Bremen (14.6 mi) 45362 Rossburg (14.9 mi) 45862 Mendon (15.5 mi) 47326 Bryant (15.5 mi) 47371 Portland (16.1 mi) 45388 Yorkshire (16.4 mi)

Demographics updated 05/2026

Population
Total population	6,555
Population density	194 / sq mi
State FIPS	39
County FIPS	107

Geography
Land area	33.87 sq mi
Water area	0.08 sq mi
Latitude	40.4945
Longitude	-84.6876
Timezone	Eastern (ET)
Area code	419/567

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.3%	36.8%	43.3%
$50k – $100k	50.3%	38.2%	31.4%
$100k – $200k	22.4%	21.4%	20.0%
Over $200k	1.1%	3.6%	5.2%

Demographics & statistics

6,555

Population

194

People per sq mi

35.5

Median age

$76,853

Median household income

$29,605

Per capita income

$217,100

Median home value

$636

Median monthly rent

81.4%

Home ownership

2.8%

Poverty rate

2.0%

Unemployment

1,890

Housing units

24.0%

Bachelor's or higher

Age distribution

Male Female

251

Under 5

279

284

5–9

315

317

10–14

351

208

15–19

231

141

20–24

156

327

25–34

362

350

35–44

389

391

45–54

434

210

55–59

233

187

60–64

207

223

65–74

248

155

75–84

171

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,097	32.0%
18 and over	4,458	68.0%
65 and over	932	14.2%
Median age	35.5 years

Race & ethnicity

White 98.3%

Asian 0.5%

Black or African American 0.4%

Two or more races 0.4%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	6,445	98.3%
Asian	33	0.5%
Black or African American	29	0.4%
Two or more races	28	0.4%
Native Hawaiian / Pacific Islander	20	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.3%	36.8%	43.3%
$50k – $100k	50.3%	38.2%	31.4%
$100k – $200k	22.4%	21.4%	20.0%
Over $200k	1.1%	3.6%	5.2%

Under $10k 1.6%

$15k–$25k 11.0%

$25k–$35k 5.8%

$35k–$50k 9.1%

$50k–$75k 20.7%

$75k–$100k 11.4%

$100k–$150k 33.0%

$150k–$200k 6.5%

$200k+ 0.8%

Range	% of households
Under $10k	1.6%
$15k–$25k	11.0%
$25k–$35k	5.8%
$35k–$50k	9.1%
$50k–$75k	20.7%
$75k–$100k	11.4%
$100k–$150k	33.0%
$150k–$200k	6.5%
$200k+	0.8%
Median income	$76,853

Housing

Home values

Under $50k 0.5%

$50k–$100k 7.1%

$100k–$150k 17.6%

$150k–$200k 18.3%

$200k–$300k 26.8%

$300k–$500k 18.5%

$500k–$1M 4.8%

$1M+ 6.6%

Housing overview

Metric	Value
Median home value	$217,100
Median rent / month	$636
Owner occupied	81.4%
Renter occupied	18.6%
Vacant	0.0%
Single-family detached	89.1%
Large apartment buildings	0.6%
Mobile homes	0.8%
Median rooms	6.7
Avg household size (owned)	2.95

Year built

Era	%
2020 or later	6.3%
2010–2019	9.6%
2000–2009	5.3%
1990–1999	11.4%
1980–1989	6.6%
1970–1979	21.4%
1960–1969	3.7%
1950–1959	16.5%
1940–1949	5.0%
1939 or earlier	14.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.6%
2 bedrooms	9.9%
3 bedrooms	52.6%
4 bedrooms	29.9%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	25.9%
2 vehicles	42.0%
3 or more	26.8%

Heating fuel

Fuel type	%
Utility gas	49.8%
Electricity	27.7%
Propane / LP gas	13.7%
Fuel oil	3.7%
Wood	2.0%
No fuel used	2.7%

Households & families

Household type	Count	%
Married-couple family	1,527	65.8%
Cohabiting couple	57	2.5%
Male householder, no spouse	247	10.6%
Female householder, no spouse	490	21.1%
Households with children under 18	846	36.4%
Households with seniors (65+)	607	26.2%
Average household size	2.78

Marital status

Status	Male	Female
Never married	23.3%	22.4%
Married	71.5%	60.5%
Separated	0.0%	0.0%
Widowed	2.0%	14.3%
Divorced	3.2%	2.8%

Education

Less than 9th grade 0.9%

Some HS, no diploma 4.9%

HS graduate 41.5%

Some college, no degree 13.7%

Associate's degree 15.0%

Bachelor's degree 16.3%

Graduate / professional 7.7%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	24.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	129	6.7%
Kindergarten	121	6.3%
Elementary school	1,096	56.6%
High school	388	20.1%
College / grad school	201	10.4%

Employment

Industry of employment

Manufacturing 28.8%

Education & healthcare 19.3%

Retail trade 18.5%

Construction 5.8%

Other services 5.2%

Professional & management 4.6%

Wholesale trade 4.1%

Public administration 3.8%

Arts, food & hospitality 2.9%

Finance & real estate 2.8%

Transportation & utilities 1.6%

Agriculture & mining 1.5%

Information 0.9%

Occupation

Category	%
Management, business & arts	33.4%
Service	12.8%
Sales & office	20.9%
Natural resources & construction	5.2%
Production & transportation	27.7%

Employment type

Type	%
Private sector	79.3%
Government	14.1%
Self-employed	6.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.5%
Carpool	10.1%
Public transit	0.1%
Walk	0.7%
Work from home	3.1%
Other means	0.5%
Avg commute (minutes)	19.3

Poverty

All people 2.8%

Under 18 years 2.4%

18 and over 3.0%

Married-couple families 0.7%

Female-led households 46.8%

Income support

Source	% of households
Social Security	28.1%
Retirement income	24.8%
Supplemental Security	2.7%
Cash public assistance	0.6%
Food stamps / SNAP	5.6%

Health indicators

Condition	%
Obesity	32.9%
High blood pressure	32.0%
High cholesterol	30.1%
Diabetes	10.0%
Heart disease	7.0%
Stroke	3.1%
Asthma	9.4%
Arthritis	27.4%
Kidney disease	2.8%
Pulmonary disease	8.1%
Cancer	7.5%

Behavior / access	%
Smoking	20.1%
Binge drinking	16.9%
No physical activity	26.2%
Less than 7 hrs sleep	32.5%
Depression	21.8%
Fair or poor health	13.4%
Poor mental health	15.6%
Poor physical health	9.9%
No health insurance	11.2%
Visited doctor (checkup)	74.6%
Visited dentist	65.3%
Cholesterol screening	88.7%
Teeth loss	13.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	258	5.8%

Disability	%
Any disability	7.2%
Under 18	4.1%
18–64 years	3.4%
65 and over	30.8%

Health insurance coverage

Type	%
Private insurance	85.9%
Public insurance	22.8%
No insurance	1.6%
Uninsured under 19	1.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,025	91.9%
Spanish	3	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	3	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,496	99.1%
Born in same state	6,496	99.1%
Born in different state	5,987	91.3%
Foreign born	0	0.0%
Naturalized citizen	59	0.9%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	842	12.8%
Italian	194	3%
French	95	1.4%

Ancestry	Count	%
English	48	0.7%
Irish	42	0.6%

Technology access

Metric	% of households
Computer access	35.4%
Internet access	90.1%

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

Frequently asked questions about ZIP code 45828

What city is ZIP code 45828 in?

ZIP code 45828 is primarily assigned to Coldwater, Ohio.

What county is ZIP code 45828 in?

ZIP code 45828 falls within Mercer County, Ohio.

Is ZIP code 45828 family-oriented?

32% of residents in ZIP code 45828 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 45828 mostly owner-occupied?

81% of occupied units in ZIP code 45828 are owner-occupied, well above the national average.

What is the population of ZIP code 45828?

ZIP code 45828 has an estimated population of 6,555 residents, with a density of 194 people per square mile.

What is the typical home value in ZIP code 45828?

The median home value in ZIP code 45828 is $217,100.

What timezone is ZIP code 45828 in?

ZIP code 45828 observes the EST timezone.