ZIP Code 43081 — Westerville city, OH Demographics & Data

ZIP code 43081 covers Westerville, OH in Franklin County with a population of about 64,314.

At a glance, the area shows median age of 36.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 380, 614; U.S. House district OH-3; the COLUMBUS, OH media market.

Westerville, OH sits in a university / college context (near fortis college-columbus (2.0 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 43081 is about $90,336 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 2.0%; 54.3% of adults with a bachelor’s degree or higher (about 20.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Finance and insurance, and Retail trade; about 24.3% of workers reporting work-from-home (about 9.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $297,300 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,284 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 59.4% (about 6.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 43081 in Westerville, OH, a household would need roughly $82,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,910. That is roughly in line with the local median household income ($90,336). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Westerville city, OH as Relatively High (composite score 98.1), which is among the highest nationally. The strongest component scores on US5 are flood (98.8) and hurricane (49.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Westerville city, OH show little to no average snow and around 42.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,727 for ZIP 43081 (Westerville city, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.