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45887
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  2. ZIP Codes
  3. ZIP Code 45887
Ohio (OH)Allen CountyLima419567

ZIP Code 45887 — Spencerville, OH

Allen County * Lima metro

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4.4K

Population

$68.4K

Median income

per household

$184.4K

Home value

10.4%

Poverty rate

What stands out

  • Median household income: $68.4K.
  • Median home value: $184.4K.
  • Poverty rate: 10.4%.

Categories vs U.S.

Economy

1 of 5 metrics better than U.S. benchmarks

Median household income

$68.4K

U.S.

$81K

Per-capita income

$32.7K

U.S.

$45K

Median home value

$184.4K

U.S.

$333K

Housing stress

Rent-burdened renters (≥30%)

33.6%

U.S.

51.1%

Severely rent-burdened (≥50%)

18.1%

U.S.

25.9%

Affordability Ratios

Rent-to-Income

17.8%

Below 30% threshold

Home-Value-to-Income

2.7×

Within typical 3-5x range

Income distribution

Share of households by income bracket (ACS).

< $50k
29.9%
$50–100k
39.5%
$100–200k
28.8%
$200k+
1.7%

Health

0 of 6 available metrics better than U.S.

CDC PLACES modeled ZCTA-level estimates (adult prevalence).

Obesity

38.2%

U.S.

33.3%

Diabetes

12.8%

U.S.

12.0%

Current smoking

16.9%

U.S.

13.1%

Connectivity

2 of 3 metrics better than U.S.

Best available speed

1,000Mbps

Gigabit speeds reported

100+ Mbps coverage

99.2%

U.S.

85.3%

Gigabit ready

0.7%

U.S.

8.6%

5G available

99.9%

U.S.

77.4%

Learning

Education metrics come from ACS 5-year estimates for ZIP Code Tabulation Areas (ZCTAs).

Bachelor's degree+ (age 25+)

12.1%

U.S.

35.7%

ZIP-level estimates can have higher margins of error than county/state totals; treat small differences as noise.

School districts

Spencerville Local School District

Map

ZIP 45887

Spencerville, OH

Population

4.4K

Area

69.7 sq mi

Density

63.4/sq mi

Neighbors

45806458074583345862458854589445895
More Details

Census Tracts

5 tracts overlap this ZIP. Hover over segments to explore.

54%
25%
18%

Tract 106

54.4%

Tract 405

24.5%

Tract 204

17.8%

Tract 9672

2.5%

Tract 139

0.8%

Total tracts: 5Coverage: 100.0%

Representation

U.S. House

ZIP codes can span multiple congressional districts. Overlap percentages are approximate by land area. Verify by address.

80%
20%

OH-4

79.6%

OH-5

20.4%

Districts: 2Coverage: 100.0%

Data freshness

ACS 5-Year
2020–2024
CDC PLACES
2025
Broadband
2020-12
Mobile
2025-11-24
Page Updated
2026-02-23

Release schedule and upstream dates: Sources.

Data sources

US Census Bureau (ACS 5-year)HUD USPS ZIP crosswalkUS Census TIGER/Line (geometry inputs)US Census TIGER/Line (school districts)US Census Bureau (ZCTA-to-tract relationship, 2020)US Census Bureau (2020 ZCTA-to-congressional-district relationship file, CD119)CDC PLACES (ZCTA)FCC (Form 477 broadband)FCC (Mobile Broadband Data Collection)

Derived statistics

  • ZIP pages use Census ZIP Code Tabulation Areas (ZCTAs), not USPS delivery routes.
  • Population density is computed as population ÷ land area.
  • Overlap percentages (tracts and districts) are derived from map geometry and are approximate.

Data accuracy & methodology

ZIP pages combine 2020–2024 ACS 5-year ZCTA estimates with other public datasets when available (see Sources). Connectivity metrics use FCC coverage data, not ACS. ZIP-level estimates can have higher margins of error than county/state totals; treat small differences as statistical noise rather than precise changes.