45786 ZIP Code — Waterford, OH

Washington County, Ohio

ZIP code 45786 is located in Waterford, Ohio, within Washington County. It covers approximately 63.30 square miles and serves a population of 2,854 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 220.

About ZIP code 45786

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $170,800. Owner-occupancy is high at 87%, well above the national average.

Median household income is $63,594. The poverty rate of 7% is below the national average. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Overall, ZIP code 45786 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

2,854

population

63.30

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45786 ZIP code map

Cities in ZIP code 45786

Below are the cities the US Postal Service accepts for ZIP code 45786. Using any city not on this list may result in mail delivery delays.

City	Status
Waterford	Preferred

Nearby ZIP codes

45744 Lowell (6.5 mi) 45715 Beverly (7.3 mi) 45784 Vincent (10.4 mi) 43787 Stockport (10.5 mi) 45724 Cutler (11.5 mi) 45750 Marietta (11.6 mi) 45714 Belpre (11.9 mi) 45727 Dexter City (11.9 mi) 45746 Macksburg (12.1 mi) 26187 Williamstown (12.4 mi) 26105 Vienna (13.2 mi) 45788 Whipple (13.8 mi)

Demographics updated 05/2026

Population
Total population	2,854
Population density	45 / sq mi
State FIPS	39
County FIPS	167

Geography
Land area	63.30 sq mi
Water area	1.28 sq mi
Latitude	39.5003
Longitude	-81.6258
Timezone	Eastern (ET)
Area code	220

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.1%	48.1%	43.3%
$50k – $100k	45.6%	33.3%	31.4%
$100k – $200k	16.8%	15.8%	20.0%
Over $200k	0.6%	2.9%	5.2%

Demographics & statistics

2,854

Population

People per sq mi

48.5

Median age

$63,594

Median household income

$31,583

Per capita income

$170,800

Median home value

$882

Median monthly rent

87.1%

Home ownership

7.0%

Poverty rate

3.2%

Unemployment

1,131

Housing units

16.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

107

10–14

103

15–19

20–24

122

25–34

117

159

35–44

153

158

45–54

152

125

55–59

120

144

60–64

138

236

65–74

226

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	599	21.0%
18 and over	2,255	79.0%
65 and over	696	24.4%
Median age	48.5 years

Race & ethnicity

White 99.9%

Two or more races 0.1%

Group	Count	%
White	2,851	99.9%
Two or more races	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.1%	48.1%	43.3%
$50k – $100k	45.6%	33.3%	31.4%
$100k – $200k	16.8%	15.8%	20.0%
Over $200k	0.6%	2.9%	5.2%

Under $10k 4.8%

$10k–$15k 1.9%

$15k–$25k 6.1%

$25k–$35k 9.0%

$35k–$50k 20.4%

$50k–$75k 10.8%

$75k–$100k 21.0%

$100k–$150k 17.5%

$150k–$200k 6.9%

$200k+ 1.5%

Range	% of households
Under $10k	4.8%
$10k–$15k	1.9%
$15k–$25k	6.1%
$25k–$35k	9.0%
$35k–$50k	20.4%
$50k–$75k	10.8%
$75k–$100k	21.0%
$100k–$150k	17.5%
$150k–$200k	6.9%
$200k+	1.5%
Median income	$63,594

Housing

Home values

Under $50k 4.9%

$50k–$100k 15.6%

$100k–$150k 17.5%

$150k–$200k 21.4%

$200k–$300k 22.9%

$300k–$500k 13.1%

$500k–$1M 2.2%

$1M+ 2.4%

Housing overview

Metric	Value
Median home value	$170,800
Median rent / month	$882
Owner occupied	87.1%
Renter occupied	12.9%
Vacant	8.6%
Single-family detached	81.1%
Large apartment buildings	0.0%
Mobile homes	16.2%
Median rooms	6.4
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.0%
2010–2019	3.2%
2000–2009	12.5%
1990–1999	22.7%
1980–1989	10.0%
1970–1979	16.8%
1960–1969	7.6%
1950–1959	3.4%
1940–1949	1.4%
1939 or earlier	22.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	22.3%
3 bedrooms	56.2%
4 bedrooms	14.7%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	16.3%
2 vehicles	45.3%
3 or more	36.5%

Heating fuel

Fuel type	%
Utility gas	41.6%
Electricity	18.0%
Propane / LP gas	24.5%
Fuel oil	5.6%
Wood	2.9%

Households & families

Household type	Count	%
Married-couple family	613	52.3%
Cohabiting couple	86	7.3%
Male householder, no spouse	228	19.5%
Female householder, no spouse	245	20.9%
Households with children under 18	358	30.5%
Households with seniors (65+)	473	40.4%
Average household size	2.44

Marital status

Status	Male	Female
Never married	28.4%	17.6%
Married	50.7%	51.8%
Separated	1.9%	2.7%
Widowed	11.9%	19.5%
Divorced	7.1%	8.5%

Education

Less than 9th grade 0.6%

Some HS, no diploma 2.1%

HS graduate 54.0%

Some college, no degree 12.0%

Associate's degree 14.7%

Bachelor's degree 12.4%

Graduate / professional 4.1%

Metric	%
HS diploma or higher	97.3%
Bachelor's or higher	16.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	37	6.3%
Kindergarten	49	8.4%
Elementary school	201	34.4%
High school	234	40.1%
College / grad school	63	10.8%

Employment

Industry of employment

Education & healthcare 21.4%

Manufacturing 21.3%

Construction 15.4%

Arts, food & hospitality 8.5%

Retail trade 7.0%

Transportation & utilities 6.0%

Professional & management 5.8%

Public administration 5.5%

Finance & real estate 3.8%

Wholesale trade 2.6%

Other services 1.3%

Agriculture & mining 0.7%

Information 0.7%

Occupation

Category	%
Management, business & arts	29.2%
Service	12.2%
Sales & office	21.9%
Natural resources & construction	9.7%
Production & transportation	27.0%

Employment type

Type	%
Private sector	80.5%
Government	12.1%
Self-employed	7.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.2%
Carpool	5.5%
Public transit	0.8%
Walk	0.7%
Work from home	6.1%
Other means	0.7%
Avg commute (minutes)	26.5

Poverty

All people 7.0%

Under 18 years 5.0%

18 and over 7.5%

Married-couple families 1.8%

Female-led households 24.8%

Income support

Source	% of households
Social Security	41.8%
Retirement income	28.6%
Supplemental Security	3.3%
Cash public assistance	0.5%
Food stamps / SNAP	2.5%

Health indicators

Condition	%
Obesity	36.8%
High blood pressure	35.2%
High cholesterol	31.2%
Diabetes	10.7%
Heart disease	7.3%
Stroke	3.2%
Asthma	9.8%
Arthritis	28.0%
Kidney disease	2.9%
Pulmonary disease	9.1%
Cancer	7.0%

Behavior / access	%
Smoking	24.3%
Binge drinking	17.4%
No physical activity	27.3%
Less than 7 hrs sleep	35.9%
Depression	24.7%
Fair or poor health	15.0%
Poor mental health	16.4%
Poor physical health	10.8%
No health insurance	12.3%
Visited doctor (checkup)	75.3%
Visited dentist	60.2%
Cholesterol screening	88.4%
Teeth loss	15.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	183	8.1%

Disability	%
Any disability	17.0%
Under 18	0.8%
18–64 years	16.4%
65 and over	32.0%

Health insurance coverage

Type	%
Private insurance	76.0%
Public insurance	43.0%
No insurance	4.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,734	95.8%
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)	2,854	100.0%
Born in same state	2,854	100.0%
Born in different state	2,356	82.6%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	598	21%
Arab	277	9.7%
Italian	240	8.4%

Ancestry	Count	%
English	105	3.7%
Polish	9	0.3%
Norwegian	9	0.3%

Technology access

Metric	% of households
Computer access	41.1%
Internet access	85.4%

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

Frequently asked questions about ZIP code 45786

What city is ZIP code 45786 in?

ZIP code 45786 is primarily assigned to Waterford, Ohio.

What county is ZIP code 45786 in?

ZIP code 45786 falls within Washington County, Ohio.

Is ZIP code 45786 mostly owner-occupied?

87% of occupied units in ZIP code 45786 are owner-occupied, well above the national average.

Does ZIP code 45786 have a large retiree population?

42% of households in ZIP code 45786 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 45786?

The median home value in ZIP code 45786 is $170,800.

What is the population of ZIP code 45786?

ZIP code 45786 has an estimated population of 2,854 residents, with a density of 45 people per square mile.

What timezone is ZIP code 45786 in?

ZIP code 45786 observes the EST timezone.