ZIP Code 45620 — Cheshire village, OH Demographics & Data

ZIP code 45620 covers Cheshire, OH in Gallia County with a population of about 751.

At a glance, the area shows median age of 42.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 45620 is about $77,556 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.0%; unemployment rate near 3.1%; 14.0% of adults with a bachelor’s degree or higher (about 19.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Healthcare, and Manufacturing; about 2.3% of workers reporting work-from-home (about 12.9 points below 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 $166,400 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 89.0% (about 23.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45620 in Cheshire, OH, a household would need roughly $46,000 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 $1,069. That sits below the local median household income ($77,556), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Cheshire village, OH as Relatively Low (composite score 48.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (67.6) and hurricane (47.9). 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 Cheshire village, OH show little to no average snow and around 44.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 32 for ZIP 45620 (Cheshire 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.