ZIP Code 43146 — Derby CDP, OH Demographics & Data

ZIP code 43146 covers Derby, OH in Pickaway County with a population of about 13,325.

At a glance, the area shows median age of 39.7 (near the U.S. median).

It sits in telephone area codes 220, 380, 614, 740; U.S. House district OH-2; the COLUMBUS, OH media market.

Median household income in ZIP 43146 is about $73,904 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 2.1%; 22.6% of adults with a bachelor’s degree or higher (about 11.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 18.2% of workers reporting work-from-home (about 3.0 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 $292,100 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $744 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 86.9% (about 21.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 43146 in Derby, OH, a household would need roughly $80,000 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 $1,876. That is roughly in line with the local median household income ($73,904). 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 Derby CDP, OH as Relatively Low (composite score 50.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (66.0) and hurricane (26.7). 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 Derby CDP, OH show little to no average snow and around 43.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 565 for ZIP 43146 (Derby CDP, 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.