45845 ZIP Code — Fort Loramie, OH

Shelby County, Ohio

ZIP code 45845 is located in Fort Loramie, Ohio, within Shelby County. It covers approximately 32.67 square miles and serves a population of 3,276 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 937.

About ZIP code 45845

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 $265,100. Owner-occupancy is high at 88%, well above the national average.

Median household income is $80,446. The poverty rate of 4% is below the national average.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 18 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

3,276

population

32.67

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45845 ZIP code map

Cities in ZIP code 45845

Below are the cities the US Postal Service accepts for ZIP code 45845. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Loramie	Acceptable
Fort Loramie	Preferred

Nearby ZIP codes

45865 Minster (4 mi) 45388 Yorkshire (5.2 mi) 45363 Russia (6 mi) 45333 Houston (6.4 mi) 45860 Maria Stein (8.1 mi) 45869 New Bremen (8.8 mi) 45302 Anna (9.5 mi) 45380 Versailles (9.8 mi) 45365 Sidney (11.6 mi) 45367 Sidney (12.1 mi) 45871 New Knoxville (13 mi) 45306 Botkins (13.1 mi)

Demographics updated 05/2026

Population
Total population	3,276
Population density	100 / sq mi
State FIPS	39
County FIPS	149

Geography
Land area	32.67 sq mi
Water area	0.22 sq mi
Latitude	40.3335
Longitude	-84.3769
Timezone	Eastern (ET)
Area code	937

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.1%	38.3%	43.3%
$50k – $100k	33.5%	35.5%	31.4%
$100k – $200k	27.5%	22.7%	20.0%
Over $200k	3.8%	3.5%	5.2%

Demographics & statistics

3,276

Population

100

People per sq mi

34.7

Median age

$80,446

Median household income

$37,998

Per capita income

$265,100

Median home value

$735

Median monthly rent

87.5%

Home ownership

4.2%

Poverty rate

2.5%

Unemployment

1,087

Housing units

29.6%

Bachelor's or higher

Age distribution

Male Female

135

Under 5

114

182

5–9

153

113

10–14

124

15–19

105

120

20–24

101

224

25–34

189

218

35–44

183

240

45–54

201

55–59

60–64

156

65–74

132

142

75–84

120

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	949	29.0%
18 and over	2,327	71.0%
65 and over	590	18.0%
Median age	34.7 years

Race & ethnicity

White 97.3%

Two or more races 1.6%

Hispanic or Latino 1.1%

Group	Count	%
White	3,223	97.3%
Two or more races	53	1.6%
Hispanic or Latino	37	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.1%	38.3%	43.3%
$50k – $100k	33.5%	35.5%	31.4%
$100k – $200k	27.5%	22.7%	20.0%
Over $200k	3.8%	3.5%	5.2%

Under $10k 2.0%

$10k–$15k 3.0%

$15k–$25k 4.6%

$25k–$35k 5.3%

$35k–$50k 7.2%

$50k–$75k 24.0%

$75k–$100k 13.9%

$100k–$150k 21.3%

$150k–$200k 11.4%

$200k+ 7.3%

Range	% of households
Under $10k	2.0%
$10k–$15k	3.0%
$15k–$25k	4.6%
$25k–$35k	5.3%
$35k–$50k	7.2%
$50k–$75k	24.0%
$75k–$100k	13.9%
$100k–$150k	21.3%
$150k–$200k	11.4%
$200k+	7.3%
Median income	$80,446

Housing

Home values

Under $50k 0.7%

$50k–$100k 5.1%

$100k–$150k 9.7%

$150k–$200k 12.1%

$200k–$300k 33.9%

$300k–$500k 26.7%

$500k–$1M 11.7%

Housing overview

Metric	Value
Median home value	$265,100
Median rent / month	$735
Owner occupied	87.5%
Renter occupied	12.5%
Vacant	3.1%
Single-family detached	87.4%
Large apartment buildings	1.0%
Mobile homes	0.0%
Median rooms	6.6
Avg household size (owned)	2.83

Year built

Era	%
2020 or later	1.9%
2010–2019	8.2%
2000–2009	11.6%
1990–1999	21.8%
1980–1989	9.3%
1970–1979	8.9%
1960–1969	5.2%
1950–1959	9.1%
1940–1949	1.5%
1939 or earlier	22.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.3%
2 bedrooms	19.8%
3 bedrooms	47.7%
4 bedrooms	28.1%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	24.9%
2 vehicles	48.1%
3 or more	26.0%

Heating fuel

Fuel type	%
Utility gas	43.6%
Electricity	24.5%
Propane / LP gas	22.6%
Fuel oil	1.3%
Wood	1.4%
Solar	0.2%
No fuel used	3.1%

Households & families

Household type	Count	%
Married-couple family	765	63.8%
Cohabiting couple	37	3.1%
Male householder, no spouse	231	19.3%
Female householder, no spouse	166	13.8%
Households with children under 18	436	36.4%
Households with seniors (65+)	378	31.5%
Average household size	2.73

Marital status

Status	Male	Female
Never married	29.2%	21.5%
Married	61.6%	65.5%
Separated	0.8%	0.6%
Widowed	2.4%	7.7%
Divorced	6.1%	4.7%

Education

Less than 9th grade 0.5%

Some HS, no diploma 2.6%

HS graduate 33.9%

Some college, no degree 14.4%

Associate's degree 18.9%

Bachelor's degree 20.2%

Graduate / professional 9.5%

Metric	%
HS diploma or higher	96.9%
Bachelor's or higher	29.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	114	12.9%
Kindergarten	42	4.8%
Elementary school	409	46.4%
High school	197	22.4%
College / grad school	119	13.5%

Employment

Industry of employment

Manufacturing 35.7%

Education & healthcare 19.2%

Construction 12.8%

Professional & management 7.1%

Retail trade 5.1%

Arts, food & hospitality 4.6%

Other services 3.7%

Public administration 3.6%

Finance & real estate 2.9%

Wholesale trade 2.4%

Transportation & utilities 1.8%

Agriculture & mining 0.6%

Information 0.5%

Occupation

Category	%
Management, business & arts	44.3%
Service	7.9%
Sales & office	13.8%
Natural resources & construction	9.7%
Production & transportation	24.3%

Employment type

Type	%
Private sector	82.5%
Government	14.4%
Self-employed	2.9%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	87.4%
Carpool	4.0%
Public transit	0.0%
Walk	0.9%
Work from home	7.3%
Other means	0.5%
Avg commute (minutes)	17.7

Poverty

All people 4.2%

Under 18 years 2.2%

18 and over 4.9%

Married-couple families 4.8%

Female-led households 8.2%

Income support

Source	% of households
Social Security	29.3%
Retirement income	19.3%
Supplemental Security	2.4%
Cash public assistance	1.5%
Food stamps / SNAP	0.9%

Health indicators

Condition	%
Obesity	36.9%
High blood pressure	30.5%
High cholesterol	28.6%
Diabetes	9.3%
Heart disease	6.3%
Stroke	2.7%
Asthma	9.4%
Arthritis	25.9%
Kidney disease	2.5%
Pulmonary disease	7.4%
Cancer	6.7%

Behavior / access	%
Smoking	21.2%
Binge drinking	19.2%
No physical activity	24.6%
Less than 7 hrs sleep	36.1%
Depression	23.2%
Fair or poor health	12.6%
Poor mental health	15.7%
Poor physical health	9.3%
No health insurance	11.1%
Visited doctor (checkup)	74.9%
Visited dentist	68.1%
Cholesterol screening	88.7%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	107	4.6%

Disability	%
Any disability	8.0%
Under 18	1.2%
18–64 years	3.7%
65 and over	31.5%

Health insurance coverage

Type	%
Private insurance	90.8%
Public insurance	19.7%
No insurance	0.9%
Uninsured under 19	0.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,027	92.4%
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)	3,276	100.0%
Born in same state	3,272	99.9%
Born in different state	3,183	97.2%
Foreign born	4	0.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	249	7.6%
Arab	179	5.5%
French	89	2.7%

Ancestry	Count	%
English	27	0.8%
Polish	9	0.3%

Technology access

Metric	% of households
Computer access	36.6%
Internet access	97.1%

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

Frequently asked questions about ZIP code 45845

What city is ZIP code 45845 in?

ZIP code 45845 is primarily assigned to Fort Loramie, Ohio.

What county is ZIP code 45845 in?

ZIP code 45845 falls within Shelby County, Ohio.

Is ZIP code 45845 mostly owner-occupied?

88% of occupied units in ZIP code 45845 are owner-occupied, well above the national average.

What is the population of ZIP code 45845?

ZIP code 45845 has an estimated population of 3,276 residents, with a density of 100 people per square mile.

What is the typical home value in ZIP code 45845?

The median home value in ZIP code 45845 is $265,100.

What is the median household income in ZIP code 45845?

The median household income in ZIP code 45845 is $80,446, above the national median of ~$75,000.

What timezone is ZIP code 45845 in?

ZIP code 45845 observes the EST timezone.