45840 ZIP Code — Findlay, OH
Hancock County, Ohio
ZIP code 45840 is located in Findlay, Ohio, within Hancock County. It covers approximately 166.49 square miles and serves a population of 54,557 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 419/567.
About ZIP code 45840
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $186,700. Owner-occupancy sits near the national average at 63%.
The gap between median ($62,163) and mean household income suggests income inequality — a small number of higher earners pull the average up. 32% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 17 minutes is near the national average.
Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (20%) compared to national benchmarks.
54,557
population
166.49
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
45840 ZIP code map
Cities in ZIP code 45840
Below are the cities the US Postal Service accepts for ZIP code 45840. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Findlay | Preferred |
Nearby ZIP codes
45881 Rawson (7.6 mi)
45858 Mc Comb (7.6 mi)
45814 Arlington (8.6 mi)
45889 Van Buren (8.8 mi)
45868 Mount Cory (9.3 mi)
44804 Arcadia (10 mi)
45890 Vanlue (10.3 mi)
45867 Mount Blanchard (11.5 mi)
45872 North Baltimore (12.6 mi)
44802 Alvada (13.3 mi)
44817 Bloomdale (14.4 mi)
45877 Pandora (14.5 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 54,557 |
| Population density | 328 / sq mi |
| State FIPS | 39 |
| County FIPS | 063 |
| Geography | |
|---|---|
| Land area | 166.49 sq mi |
| Water area | 1.70 sq mi |
| Latitude | 41.0222 |
| Longitude | -83.6791 |
| 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 | 45.6% | 43.3% | 43.3% |
| $50k – $100k | 31.4% | 32.4% | 31.4% |
| $100k – $200k | 17.5% | 19.5% | 20.0% |
| Over $200k | 5.5% | 4.9% | 5.2% |
Demographics & statistics
54,557
Population
328
People per sq mi
38.2
Median age
$62,163
Median household income
$38,227
Per capita income
$186,700
Median home value
$888
Median monthly rent
62.9%
Home ownership
11.4%
Poverty rate
3.9%
Unemployment
16,233
Housing units
31.0%
Bachelor's or higher
Age distribution
Male
Female
1,648
Under 5
1,690
1,581
5–9
1,622
1,509
10–14
1,548
1,834
15–19
1,882
2,069
20–24
2,122
3,798
25–34
3,895
3,143
35–44
3,224
3,188
45–54
3,269
1,911
55–59
1,960
1,605
60–64
1,646
2,557
65–74
2,622
1,434
75–84
1,471
656
85+
673
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 11,574 | 21.2% |
| 18 and over | 42,983 | 78.8% |
| 65 and over | 9,413 | 17.3% |
| Median age | 38.2 years | |
Race & ethnicity
White
85.7%
Hispanic or Latino
3.7%
Two or more races
3.6%
Other race
2.4%
Asian
2.3%
Black or African American
2.2%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 48,542 | 85.7% |
| Hispanic or Latino | 2,111 | 3.7% |
| Two or more races | 2,037 | 3.6% |
| Other race | 1,372 | 2.4% |
| Asian | 1,318 | 2.3% |
| Black or African American | 1,221 | 2.2% |
| American Indian / Alaska Native | 54 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 45.6% | 43.3% | 43.3% |
| $50k – $100k | 31.4% | 32.4% | 31.4% |
| $100k – $200k | 17.5% | 19.5% | 20.0% |
| Over $200k | 5.5% | 4.9% | 5.2% |
Under $10k
3.7%
$10k–$15k
4.4%
$15k–$25k
7.0%
$25k–$35k
10.5%
$35k–$50k
14.2%
$50k–$75k
17.9%
$75k–$100k
13.4%
$100k–$150k
14.6%
$150k–$200k
7.0%
$200k+
7.4%
| Range | % of households |
|---|---|
| Under $10k | 3.7% |
| $10k–$15k | 4.4% |
| $15k–$25k | 7.0% |
| $25k–$35k | 10.5% |
| $35k–$50k | 14.2% |
| $50k–$75k | 17.9% |
| $75k–$100k | 13.4% |
| $100k–$150k | 14.6% |
| $150k–$200k | 7.0% |
| $200k+ | 7.4% |
| Median income | $62,163 |
Housing
Home values
Under $50k
7.5%
$50k–$100k
8.8%
$100k–$150k
17.0%
$150k–$200k
22.1%
$200k–$300k
25.2%
$300k–$500k
15.2%
$500k–$1M
3.3%
$1M+
0.9%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $186,700 |
| Median rent / month | $888 |
| Owner occupied | 62.9% |
| Renter occupied | 37.1% |
| Vacant | 6.6% |
| Single-family detached | 65.9% |
| Large apartment buildings | 4.5% |
| Mobile homes | 5.6% |
| Median rooms | 6.0 |
| Avg household size (owned) | 2.45 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 4.9% |
| 2000–2009 | 11.1% |
| 1990–1999 | 15.2% |
| 1980–1989 | 9.9% |
| 1970–1979 | 13.0% |
| 1960–1969 | 10.0% |
| 1950–1959 | 13.6% |
| 1940–1949 | 4.0% |
| 1939 or earlier | 18.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.3% |
| 1 bedroom | 11.6% |
| 2 bedrooms | 26.7% |
| 3 bedrooms | 39.1% |
| 4 bedrooms | 17.7% |
| 5+ bedrooms | 3.6% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.4% |
| 1 vehicle | 35.9% |
| 2 vehicles | 39.1% |
| 3 or more | 19.6% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 66.4% |
| Electricity | 25.1% |
| Propane / LP gas | 6.1% |
| Fuel oil | 0.3% |
| Wood | 1.0% |
| No fuel used | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 10,034 | 43.2% |
| Cohabiting couple | 1,822 | 7.9% |
| Male householder, no spouse | 4,504 | 19.4% |
| Female householder, no spouse | 6,849 | 29.5% |
| Households with children under 18 | 6,521 | 28.1% |
| Households with seniors (65+) | 6,568 | 28.3% |
| Average household size | 2.27 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 36.3% | 28.5% |
| Married | 47.5% | 44.4% |
| Separated | 2.0% | 1.8% |
| Widowed | 3.1% | 9.9% |
| Divorced | 11.1% | 15.5% |
Education
Less than 9th grade
1.1%
Some HS, no diploma
5.4%
HS graduate
33.4%
Some college, no degree
20.6%
Associate's degree
8.4%
Bachelor's degree
19.3%
Graduate / professional
11.7%
| Metric | % |
|---|---|
| HS diploma or higher | 93.5% |
| Bachelor's or higher | 31.0% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 678 | 5.2% |
| Kindergarten | 783 | 6.0% |
| Elementary school | 4,949 | 37.7% |
| High school | 2,561 | 19.5% |
| College / grad school | 4,151 | 31.6% |
Employment
Industry of employment
Manufacturing
23.3%
Education & healthcare
20.3%
Retail trade
11.7%
Arts, food & hospitality
10.4%
Professional & management
7.1%
Transportation & utilities
6.6%
Other services
5.3%
Construction
4.6%
Finance & real estate
3.4%
Public administration
2.6%
Wholesale trade
2.4%
Agriculture & mining
1.1%
Information
1.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 36.9% |
| Service | 17.7% |
| Sales & office | 18.1% |
| Natural resources & construction | 6.4% |
| Production & transportation | 20.9% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.4% |
| Government | 8.8% |
| Self-employed | 4.6% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 81.4% |
| Carpool | 7.7% |
| Public transit | 0.4% |
| Walk | 2.0% |
| Work from home | 7.2% |
| Other means | 1.3% |
| Avg commute (minutes) | 16.6 |
Poverty
All people
11.4%
Under 18 years
13.2%
18 and over
10.9%
Married-couple families
3.2%
Female-led households
21.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 31.7% |
| Retirement income | 24.6% |
| Supplemental Security | 4.5% |
| Cash public assistance | 1.7% |
| Food stamps / SNAP | 10.0% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 34.0% |
| High blood pressure | 30.3% |
| High cholesterol | 31.8% |
| Diabetes | 10.2% |
| Heart disease | 6.6% |
| Stroke | 2.9% |
| Asthma | 9.8% |
| Arthritis | 26.5% |
| Kidney disease | 2.7% |
| Pulmonary disease | 8.0% |
| Cancer | 6.6% |
| Behavior / access | % |
|---|---|
| Smoking | 20.2% |
| Binge drinking | 16.8% |
| No physical activity | 25.1% |
| Less than 7 hrs sleep | 34.3% |
| Depression | 22.6% |
| Fair or poor health | 14.1% |
| Poor mental health | 16.1% |
| Poor physical health | 9.9% |
| No health insurance | 11.7% |
| Visited doctor (checkup) | 74.3% |
| Visited dentist | 64.8% |
| Cholesterol screening | 87.5% |
| Teeth loss | 13.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 3,087 | 7.2% |
| Disability | % |
|---|---|
| Any disability | 13.0% |
| Under 18 | 10.5% |
| 18–64 years | 9.3% |
| 65 and over | 29.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 74.3% |
| Public insurance | 33.6% |
| No insurance | 5.2% |
| Uninsured under 19 | 2.2% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 51,219 | 93.9% |
| Spanish | 1,032 | 2.0% |
| Other Indo-European | 375 | 0.7% |
| Asian & Pacific Islander | 71 | 0.1% |
| Other languages | 491 | 1.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 52,578 | 96.4% |
| Born in same state | 52,087 | 95.5% |
| Born in different state | 42,545 | 78.0% |
| Foreign born | 491 | 0.9% |
| Naturalized citizen | 1,979 | 3.6% |
| Not a US citizen | 699 | 35.3% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Arab | 5,952 | 10.9% |
| Italian | 5,826 | 10.7% |
| French | 5,382 | 9.9% |
| Irish | 661 | 1.2% |
| English | 605 | 1.1% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 205 | 0.4% |
| Polish | 133 | 0.2% |
| German | 91 | 0.2% |
| Norwegian | 65 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 42.5% |
| Internet access | 95.2% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 45840
What part of Findlay is ZIP code 45840?
ZIP code 45840 covers a portion of Findlay, Ohio, within Hancock County.
What county is ZIP code 45840 in?
ZIP code 45840 falls within Hancock County, Ohio.
What is the typical home value in ZIP code 45840?
The median home value in ZIP code 45840 is $186,700.
What is the population of ZIP code 45840?
ZIP code 45840 has an estimated population of 54,557 residents, with a density of 328 people per square mile.
What is the median household income in ZIP code 45840?
The median household income in ZIP code 45840 is $62,163, below the national median of ~$75,000.
What timezone is ZIP code 45840 in?
ZIP code 45840 observes the EST timezone.