45688 ZIP Code — Waterloo, OH

Lawrence County, Ohio

ZIP code 45688 is located in Waterloo, Ohio, within Lawrence County. It covers approximately 34.03 square miles and serves a population of 166 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 740/220.

166

population

34.03

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45688 ZIP code map

Cities in ZIP code 45688

Below are the cities the US Postal Service accepts for ZIP code 45688. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Preferred

Nearby ZIP codes

45659 Pedro (5.7 mi) 45658 Patriot (6.4 mi) 45696 Willow Wood (9.4 mi) 45656 Oak Hill (10.4 mi) 45645 Kitts Hill (10.7 mi) 45682 South Webster (10.9 mi) 45678 Scottown (11.5 mi) 45694 Wheelersburg (14 mi) 45638 Ironton (14.4 mi) 45685 Thurman (14.7 mi) 45629 Franklin Furnace (15 mi) 45623 Crown City (15.4 mi)

Demographics updated 05/2026

Population
Total population	166
Population density	5 / sq mi
State FIPS	39
County FIPS	087

Geography
Land area	34.03 sq mi
Water area	0.10 sq mi
Latitude	38.7217
Longitude	-82.5320
Timezone	Eastern (ET)
Area code	740/220

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.1%	53.2%	43.3%
$50k – $100k	26.4%	32.9%	31.4%
$100k – $200k	3.5%	11.9%	20.0%
Over $200k	0.0%	1.9%	5.2%

Demographics & statistics

166

Population

People per sq mi

52.9

Median age

Median household income

$26,846

Per capita income

$110,400

Median home value

Median monthly rent

68.0%

Home ownership

9.0%

Poverty rate

0.0%

Unemployment

145

Housing units

4.8%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

25–34

35–44

45–54

60–64

65–74

← Male

Female →

Age summary

Group	Count	%
Under 18	19	11.4%
18 and over	147	88.6%
65 and over	58	34.9%
Median age	52.9 years

Race & ethnicity

White 91.9%

Hispanic or Latino 4%

Two or more races 4%

Group	Count	%
White	159	91.9%
Hispanic or Latino	7	4%
Two or more races	7	4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.1%	53.2%	43.3%
$50k – $100k	26.4%	32.9%	31.4%
$100k – $200k	3.5%	11.9%	20.0%
Over $200k	0.0%	1.9%	5.2%

$10k–$15k 28.2%

$15k–$25k 22.3%

$25k–$35k 4.9%

$35k–$50k 20.4%

$50k–$75k 2.9%

$75k–$100k 15.5%

$100k–$150k 5.8%

Range	% of households
$10k–$15k	28.2%
$15k–$25k	22.3%
$25k–$35k	4.9%
$35k–$50k	20.4%
$50k–$75k	2.9%
$75k–$100k	15.5%
$100k–$150k	5.8%
Median income	$0

Housing

Home values

Under $50k 35.7%

$50k–$100k 7.1%

$100k–$150k 17.1%

$150k–$200k 27.1%

$300k–$500k 12.9%

Housing overview

Metric	Value
Median home value	$110,400
Median rent / month	$0
Owner occupied	68.0%
Renter occupied	32.0%
Vacant	42.1%
Single-family detached	67.4%
Large apartment buildings	0.0%
Mobile homes	32.6%
Median rooms	4.5
Avg household size (owned)	1.66

Year built

Era	%
2020 or later	0.0%
2010–2019	14.6%
2000–2009	23.6%
1990–1999	16.9%
1980–1989	8.4%
1970–1979	25.3%
1960–1969	0.0%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	11.2%

Bedrooms

Size	% of units
No bedroom (studio)	4.5%
1 bedroom	13.5%
2 bedrooms	35.4%
3 bedrooms	29.2%
4 bedrooms	17.4%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	14.6%
1 vehicle	30.1%
2 vehicles	34.0%
3 or more	21.4%

Heating fuel

Fuel type	%
Electricity	11.7%
Propane / LP gas	82.5%

Households & families

Household type	Count	%
Married-couple family	34	33.0%
Cohabiting couple	0	0.0%
Male householder, no spouse	24	23.3%
Female householder, no spouse	45	43.7%
Households with children under 18	24	23.3%
Households with seniors (65+)	57	55.3%
Average household size	1.61

Marital status

Status	Male	Female
Never married	8.5%	0.0%
Married	49.3%	40.8%
Separated	0.0%	0.0%
Widowed	0.0%	28.9%
Divorced	42.3%	30.3%

Education

Less than 9th grade 14.3%

Some HS, no diploma 24.5%

HS graduate 30.6%

Some college, no degree 22.4%

Associate's degree 3.4%

Bachelor's degree 0.0%

Graduate / professional 4.8%

Metric	%
HS diploma or higher	61.2%
Bachelor's or higher	4.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	19	100.0%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Agriculture & mining 39.1%

Retail trade 28.3%

Professional & management 26.1%

Manufacturing 6.5%

Occupation

Category	%
Management, business & arts	13.0%
Service	19.6%
Sales & office	21.7%
Natural resources & construction	39.1%
Production & transportation	6.5%

Employment type

Type	%
Private sector	39.1%
Government	0.0%
Self-employed	60.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.9%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	26.1%
Other means	0.0%
Avg commute (minutes)	0.0

Poverty

All people 9.0%

Under 18 years 0.0%

18 and over 10.2%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	35.0%
Retirement income	25.2%
Supplemental Security	23.3%
Cash public assistance	0.0%
Food stamps / SNAP	31.1%

Health indicators

Condition	%
Obesity	41.3%
High blood pressure	39.1%
High cholesterol	35.9%
Diabetes	12.7%
Heart disease	8.4%
Stroke	4.1%
Asthma	11.9%
Arthritis	32.3%
Kidney disease	3.4%
Pulmonary disease	12.6%
Cancer	6.7%

Behavior / access	%
Smoking	30.2%
Binge drinking	16.5%
No physical activity	36.2%
Less than 7 hrs sleep	39.3%
Depression	28.6%
Fair or poor health	21.4%
Poor mental health	19.4%
Poor physical health	14.2%
No health insurance	15.4%
Visited doctor (checkup)	75.4%
Visited dentist	53.2%
Cholesterol screening	85.8%
Teeth loss	22.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	39.8%
Under 18	0.0%
18–64 years	44.9%
65 and over	44.8%

Health insurance coverage

Type	%
Private insurance	26.5%
Public insurance	57.2%
No insurance	25.9%
Uninsured under 19	36.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	166	100.0%
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)	166	100.0%
Born in same state	166	100.0%
Born in different state	58	34.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	54	32.5%
French	21	12.7%

Ancestry	Count	%
Italian	15	9%

Technology access

Metric	% of households
Computer access	62.0%
Internet access	53.4%

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

Frequently asked questions about ZIP code 45688

What city is ZIP code 45688 in?

ZIP code 45688 is primarily assigned to Waterloo, Ohio.

What county is ZIP code 45688 in?

ZIP code 45688 falls within Lawrence County, Ohio.

Does ZIP code 45688 have an older population?

35% of residents in ZIP code 45688 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 45688?

5% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 45688?

The median home value in ZIP code 45688 is $110,400.

What is the population of ZIP code 45688?

ZIP code 45688 has an estimated population of 166 residents, with a density of 5 people per square mile.

What timezone is ZIP code 45688 in?

ZIP code 45688 observes the EST timezone.