45887 ZIP Code — Spencerville, OH

Allen County, Ohio

ZIP code 45887 is located in Spencerville, Ohio, within Allen County. It covers approximately 69.72 square miles and serves a population of 4,404 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 419.

About ZIP code 45887

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 $176,700. Owner-occupancy is high at 76%, well above the national average.

Median household income is $59,484. SNAP benefit usage at 18% of households reflects economic stress in the area. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 25 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 45887 reflects a community defined by a trades-oriented workforce, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

4,404

population

69.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45887 ZIP code map

Cities in ZIP code 45887

Below are the cities the US Postal Service accepts for ZIP code 45887. Using any city not on this list may result in mail delivery delays.

City	Status
Spencerville	Preferred

Nearby ZIP codes

45894 Venedocia (7.6 mi) 45862 Mendon (8.4 mi) 45833 Delphos (8.4 mi) 45805 Lima (10.2 mi) 45885 Saint Marys (11.2 mi) 45806 Lima (12.5 mi) 45809 Gomer (13.1 mi) 45807 Lima (13.3 mi) 45863 Middle Point (13.5 mi) 45871 New Knoxville (14.5 mi) 45844 Fort Jennings (14.6 mi) 45895 Wapakoneta (14.8 mi)

Demographics updated 05/2026

Population
Total population	4,404
Population density	63 / sq mi
State FIPS	39
County FIPS	003

Geography
Land area	69.72 sq mi
Water area	0.12 sq mi
Latitude	40.7135
Longitude	-84.3635
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	48.0%	48.1%	43.3%
$50k – $100k	33.6%	33.6%	31.4%
$100k – $200k	16.3%	15.6%	20.0%
Over $200k	2.1%	2.6%	5.2%

Demographics & statistics

4,404

Population

People per sq mi

40.7

Median age

$59,484

Median household income

$27,828

Per capita income

$176,700

Median home value

$740

Median monthly rent

75.8%

Home ownership

11.7%

Poverty rate

4.1%

Unemployment

1,458

Housing units

13.4%

Bachelor's or higher

Age distribution

Male Female

149

Under 5

131

183

5–9

161

206

10–14

182

171

15–19

151

20–24

240

25–34

211

255

35–44

224

328

45–54

289

147

55–59

130

139

60–64

123

309

65–74

272

116

75–84

102

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,244	28.2%
18 and over	3,160	71.8%
65 and over	812	18.4%
Median age	40.7 years

Race & ethnicity

White 95.2%

Two or more races 1.8%

Black or African American 1.3%

Hispanic or Latino 1.1%

Other race 0.7%

Group	Count	%
White	4,237	95.2%
Two or more races	79	1.8%
Black or African American	56	1.3%
Hispanic or Latino	47	1.1%
Other race	31	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.0%	48.1%	43.3%
$50k – $100k	33.6%	33.6%	31.4%
$100k – $200k	16.3%	15.6%	20.0%
Over $200k	2.1%	2.6%	5.2%

Under $10k 5.2%

$10k–$15k 2.4%

$15k–$25k 11.8%

$25k–$35k 8.2%

$35k–$50k 12.8%

$50k–$75k 22.1%

$75k–$100k 16.1%

$100k–$150k 16.7%

$150k–$200k 3.2%

$200k+ 1.4%

Range	% of households
Under $10k	5.2%
$10k–$15k	2.4%
$15k–$25k	11.8%
$25k–$35k	8.2%
$35k–$50k	12.8%
$50k–$75k	22.1%
$75k–$100k	16.1%
$100k–$150k	16.7%
$150k–$200k	3.2%
$200k+	1.4%
Median income	$59,484

Housing

Home values

Under $50k 5.1%

$50k–$100k 17.8%

$100k–$150k 18.8%

$150k–$200k 26.3%

$200k–$300k 11.4%

$300k–$500k 6.9%

$500k–$1M 9.6%

$1M+ 4.1%

Housing overview

Metric	Value
Median home value	$176,700
Median rent / month	$740
Owner occupied	75.8%
Renter occupied	24.2%
Vacant	6.6%
Single-family detached	84.1%
Large apartment buildings	0.0%
Mobile homes	8.9%
Median rooms	6.3
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.0%
2010–2019	8.1%
2000–2009	3.0%
1990–1999	5.7%
1980–1989	9.2%
1970–1979	22.5%
1960–1969	12.2%
1950–1959	9.8%
1940–1949	3.1%
1939 or earlier	26.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.3%
2 bedrooms	22.1%
3 bedrooms	53.6%
4 bedrooms	15.2%
5+ bedrooms	5.8%

Vehicles per household

Vehicles	% of households
No vehicle	7.7%
1 vehicle	25.9%
2 vehicles	42.2%
3 or more	24.2%

Heating fuel

Fuel type	%
Utility gas	49.3%
Electricity	16.7%
Propane / LP gas	24.6%
Wood	4.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	926	52.6%
Cohabiting couple	108	6.1%
Male householder, no spouse	363	20.6%
Female householder, no spouse	362	20.6%
Households with children under 18	577	32.8%
Households with seniors (65+)	543	30.9%
Average household size	2.47

Marital status

Status	Male	Female
Never married	27.3%	17.0%
Married	55.3%	56.4%
Separated	2.9%	2.6%
Widowed	2.0%	6.3%
Divorced	12.5%	17.6%

Education

Less than 9th grade 4.4%

Some HS, no diploma 3.7%

HS graduate 50.6%

Some college, no degree 20.5%

Associate's degree 7.4%

Bachelor's degree 9.3%

Graduate / professional 4.1%

Metric	%
HS diploma or higher	91.9%
Bachelor's or higher	13.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	4.8%
Kindergarten	40	3.8%
Elementary school	634	59.6%
High school	276	25.9%
College / grad school	63	5.9%

Employment

Industry of employment

Manufacturing 33.5%

Education & healthcare 16.3%

Retail trade 9.8%

Professional & management 9.1%

Construction 7.5%

Agriculture & mining 5.2%

Arts, food & hospitality 4.3%

Finance & real estate 3.8%

Wholesale trade 3.0%

Public administration 2.9%

Other services 2.0%

Transportation & utilities 1.6%

Information 1.0%

Occupation

Category	%
Management, business & arts	24.8%
Service	13.1%
Sales & office	17.6%
Natural resources & construction	15.2%
Production & transportation	29.2%

Employment type

Type	%
Private sector	86.5%
Government	11.2%
Self-employed	2.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.6%
Carpool	9.9%
Public transit	0.9%
Walk	0.0%
Work from home	3.3%
Other means	6.3%
Avg commute (minutes)	24.6

Poverty

All people 11.7%

Under 18 years 16.9%

18 and over 9.6%

Married-couple families 6.2%

Female-led households 25.4%

Income support

Source	% of households
Social Security	36.7%
Retirement income	26.7%
Supplemental Security	9.4%
Cash public assistance	3.0%
Food stamps / SNAP	18.0%

Health indicators

Condition	%
Obesity	37.8%
High blood pressure	34.3%
High cholesterol	31.7%
Diabetes	11.4%
Heart disease	7.8%
Stroke	3.4%
Asthma	10.3%
Arthritis	29.4%
Kidney disease	3.0%
Pulmonary disease	9.3%
Cancer	7.2%

Behavior / access	%
Smoking	22.5%
Binge drinking	18.3%
No physical activity	27.4%
Less than 7 hrs sleep	34.8%
Depression	24.0%
Fair or poor health	15.7%
Poor mental health	16.3%
Poor physical health	11.1%
No health insurance	11.9%
Visited doctor (checkup)	76.9%
Visited dentist	64.3%
Cholesterol screening	88.0%
Teeth loss	15.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	209	6.6%

Disability	%
Any disability	17.6%
Under 18	10.9%
18–64 years	18.7%
65 and over	25.2%

Health insurance coverage

Type	%
Private insurance	77.6%
Public insurance	40.1%
No insurance	3.2%
Uninsured under 19	4.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,124	93.6%
Spanish	17	0.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	17	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,404	100.0%
Born in same state	4,382	99.5%
Born in different state	3,688	83.7%
Foreign born	22	0.5%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	501	11.4%
French	391	8.9%

Ancestry	Count	%
Arab	361	8.2%
English	78	1.8%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	94.8%

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

Frequently asked questions about ZIP code 45887

What city is ZIP code 45887 in?

ZIP code 45887 is primarily assigned to Spencerville, Ohio.

What county is ZIP code 45887 in?

ZIP code 45887 falls within Allen County, Ohio.

How educated is the population of ZIP code 45887?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 45887 have a large retiree population?

37% of households in ZIP code 45887 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 45887?

The median home value in ZIP code 45887 is $176,700.

What is the population of ZIP code 45887?

ZIP code 45887 has an estimated population of 4,404 residents, with a density of 63 people per square mile.

What timezone is ZIP code 45887 in?

ZIP code 45887 observes the EST timezone.