ZIP Code Tabulation Area

45840

Findlay, OH · ACS 2020–2024

Download data

Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
54,559
Median household income
$68,083
People below poverty
10.7%
Median home value
$213,000

Income

The median income of households in 45840 was $68,083. An estimated 3.4% of households had income below $10,000 a year and 8.3% had income of $200,000 or more.

Household Income in 45840 in 2020-2024

View Data Table ↓

Percent
Less than $10,000 3.4
$10,000 to $14,999 4.7
$15,000 to $24,999 5.6
$25,000 to $34,999 9.2
$35,000 to $49,999 13.2
$50,000 to $74,999 16.4
$75,000 to $99,999 15.6
$100,000 to $149,999 16.6
$150,000 to $199,999 7
$200,000 or more 8.3

Median Earnings for Full-Time Year-Round Workers by Sex in 45840 in 2020-2024

View Data Table ↓

Dollars
Male 63357
Female 49900

An estimated 74.6% of households received earnings. An estimated 32% of households received Social Security and an estimated 26.2 % of households received retirement income other than Social Security. The average income from Social Security was $23,605. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 45840 in 2020-2024

View Data Table ↓

Percent
Earnings 74.6
Social Security 32
Retirement income 26.2
Supplemental Security Income (SSI) 3.9
Cash public assistance income 1.4

Poverty and Participation in Government Programs

In 2020-2024, 10.7 % of people were in poverty. An estimated 10% of children under 18 were below the poverty level, compared with 9% of people 65 years old and over. An estimated 11.4% of people 18 to 64 years were below the poverty level.

Poverty Rates in 45840 in 2020-2024

View Data Table ↓

Percent
People in poverty 10.7
Children under 18 years below poverty 10
People 65 years old and over below poverty 9
People 18 to 64 years below poverty 11.4

In 2020-2024, 9.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 44.7% of households that received SNAP had children under 18, and 38.3% of households that received SNAP had one or more people 60 years and over. An estimated 29.7% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 45840 in 2020-2024, 93.9% had health insurance coverage and 6.1% did not have health insurance coverage. Private coverage was 73.1% and public coverage was 33.6%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3.1%.


In 2020-2024, 45840 had a total population of 54,559 - 27,915 (51.2%) females and 26,644 (48.8%) males. The median age was 38.9 years. An estimated 20.6% of the population was under 18 years, 33.7% was 19 to 44 years, 24% was 45 to 64 years, and 18.7 % was 65 years and older.

Population by Age and Sex for 45840 in 2020-2024

Male Female
Under 5 1622 1731
5 to 9 1752 1594
10 to 14 1314 1494
15 to 19 1672 1736
20 to 24 1991 2041
25 to 29 1988 1837
30 to 34 2219 1794
35 to 39 1854 1829
40 to 44 1383 1433
45 to 49 1586 1548
50 to 54 1589 1393
55 to 59 1803 1724
60 to 64 1558 1880
65 to 69 1522 1815
70 to 74 1134 1429
75 to 79 627 924
80 to 84 632 861
85 and over 398 852

Hispanic Origin and Race

For people reporting one race alone, 86.9% were White; 2.4% were Black or African American; 11.3% were American Indian and Alaska Native; 2.5% were Asian; 1.3% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 5.5% reported Two or More Races. An estimated 6.7% of the people in 45840 were Hispanic or Latino. An estimated 84.8% of the people in 45840 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 23,773 households in 45840. The average household size was 2.22 people.

Married-couple households made up 44% of the households in 45840 while cohabiting couple households made up 8.5% of households. Female householders with no spouse or partner present were 29% of all households, while 18.5% of households had male householders with no spouse or partner present. Some households had one person, as 14% of households were male householders living alone, and 20.3% were female householders living alone, for a total of 34.3% of all households.

In 45840, 26.9% of all households had one or more people under the age of 18; 30.4% of all households had one or more people 65 years and over.

Types of Households in 45840 in 2020-2024

View Data Table ↓

Percent
Married-couple households 44
Cohabiting Couples 8.5
Male Householder
No spouse/partner present
18.5
Female Householder
No spouse/partner present
29

Marital Status

Among persons 15 and older, 50.1% of males and 45.6% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 34.7 29.6
Now married, except separated 50.1 45.6
Separated 1.7 1.5
Widowed 2.5 9.7
Divorced 10.9 13.6

Grandparents and Grandchildren

In 45840, 655 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 17.9% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 95.9% of the people living in 45840 were U.S. natives. 77.1% of the 45840 population were living in the state where they were born.

Approximately 4.1% of 45840 residents in 2020-2024 were foreign-born. 36.7% of foreign-born were naturalized U.S. citizens and an estimated 45.5 % entered the country before the year 2010.

Foreign-born residents of 45840 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 45840.

Region of Birth for the Foreign-Born Population in 45840 in 2020-2024

View Data Table ↓

Percent
Latin America 18.1
Asia 54.5
Europe 13.2
Africa 10.2
Northern America 3.2
Oceania 0.8

Language

Among people at least five years old living in 45840 in 2020-2024, 6.1 % spoke a language other than English at home. Spanish was spoken by 3% of people at least five years old; 1.9% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 45840 in 2020-2024

View Data Table ↓

Percent
Spanish 3
Other Indo-European languages 0.6
Asian and Pacific Islander languages 2
Other languages 0.5

Geographic Mobility

In 2020-2024, 85.9 % of the people at least one year old living in 45840 were living in the same house one year earlier.

Geographic Mobility of Residents of 45840 in 2020-2024

View Data Table ↓

Percent
Same house 85.9
Different house, same county 6.4
Different county, same state 5.1
Different state 2.4
Abroad 0.2

Education

In 2020-2024, 95.7 % of people 25 years and over had at least graduated from high school and 33.3% had a bachelor's degree or higher. An estimated 4.3% did not complete high school.

The total school enrollment in 45840 was 12,316 in 2020-2024. Nursery school enrollment was 711 and kindergarten through 12th grade enrollment was 7,916. College or graduate school enrollment was 3,689.

Educational Attainment of People in 45840 in 2020-2024

View Data Table ↓

Percent
Less than high school diploma 4.3
High school diploma or equivalency 32.5
Some college, no degree 20.1
Associate's degree 9.8
Bachelor's degree 20.2
Graduate or professional degree 13.1

Disability

In 45840, among the civilian noninstitutionalized population in 2020-2024, 13.1 % reported a disability. The likelihood of having a disability varied by age - from 9.4% of people under 18 years old, to 9.5% of people 18 to 64 years old, and to 29.7% of those 65 and over.


Employment Status and Type of Employer

In 45840, 61.8 % of the population 16 and over were employed; 36.1% were not currently in the labor force.

An estimated 85.7% of the people employed were private wage and salary workers; 9.3% were federal, state, or local government workers; and 4.7 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 23,556 85.7
Federal, state, or local government workers 2,551 9.3
Self-employed workers in own not incorporated business 1,285 4.7

Industries

In 2020-2024, the civilian employed population 16 years and older in 45840 worked in the following industries:

Percent by Industry in 45840 in 2020-2024

View Data Table ↓

Percent
Agriculture, forestry, fishing and hunting, and mining 0.7
Construction 4.8
Manufacturing 23.3
Wholesale trade 2.1
Retail trade 11.1
Transportation and warehousing, and utilities 7.4
Information 1.1
Finance and insurance, and real estate and rental and leasing 2.9
Professional, scientific, and management, and administrative and waste management services 9.1
Educational services, and health care and social assistance 19.6
Arts, entertainment, and recreation, and accommodation, and food services 8
Other Services, except public administration 7
Public administration 2.7

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 45840 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 10,707 39
Service occupations 4,211 15.3
Sales and office occupations 4,945 18
Natural resources, construction, and maintenance occupations 1,599 5.8
Production, transportation, and material moving occupations 6,021 21.9

Commuting to Work

An estimated 76.8% of 45840 workers drove to work alone in 2020-2024, and 8.6% carpooled. Among those who commuted to work, it took them on average 16.7 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 45840 in 2020-2024

View Data Table ↓

Percent
Car, truck, van -- drove alone 76.8
Car, truck, van -- carpooled 8.6
Public transportation (excluding taxicab) 0.1
Walked 2.2
Other means 1.6
Worked from home 10.7

In 2020-2024, 45840 had a total of 25,499 housing units. Of these housing units, 71.5% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 22.9% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 5.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 45840 in 2020-2024

View Data Table ↓

Percent
Single-family houses 71.5
Apartments in multi-unit structures 22.9
Mobile homes 5.6
Boat, RV, van, etc 0

5.7% of the housing inventory was comprised of houses built since 2010, while 18.6% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 45840 was 6 rooms, and of these housing units 63.7% had three or more bedrooms.


In 2020-2024, 45840 had 23,773 housing units that were occupied or had people living in them, while the remaining 1,726 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 66% while renters occupied 34%. The average household size of owner-occupied houses was 2.4 and in renter-occupied houses it was 1.89.

4% of householders of these occupied houses had moved into their house since 2021, while 9.2% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 5.5% and another 19.5% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 45840:

House Heating Fuel Used in 45840 in 2020-2024

View Data Table ↓

Percent
Gas 71.9
Electricity 25.5
Fuel oil, kerosene, etc 0.2
All other fuels 1.7
No fuel used 0.7

In 2020-2024, the median property value for owner-occupied houses in 45840 was $213,000.

Of the owner-occupied households, 61.2 % had a mortgage. 38.8% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,430 and for owners without a mortgage it was $591.

For renter-occupied houses, the median gross rent for 45840 was $986. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.