ZIP Code 43438 — Kelleys Island village, OH Demographics & Data

ZIP code 43438 covers Kelleys Island, OH in Erie County with a population of about 198.

At a glance, the area shows median age of 64.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 419, 567; U.S. House district OH-9; the CLEVELAND - AKRON (CANTON) media market.

Kelleys Island, OH fits a retirement-oriented profile (high share of residents 65+ (48.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 43438 is about $91,875 — about 22% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 28.1%; 49.4% of adults with a bachelor’s degree or higher (about 15.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Manufacturing; about 32.2% of workers reporting work-from-home (about 17.0 points above the U.S. share (15.2%)); a mean commute of about 40.0 minutes (U.S. average near 26.8).

Median home value is about $333,300 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.5% (about 28.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 43438 in Kelleys Island, OH, a household would need roughly $92,000 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 $2,141. That is roughly in line with the local median household income ($91,875). 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 Kelleys Island village, OH as Relatively Low (composite score 61.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (71.8) and hurricane (49.9). 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 Kelleys Island village, OH show little to no average snow and around 34.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 43438 (Kelleys Island village, 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.