ZIP Code 45816 — Benton Ridge village, OH Demographics & Data

ZIP code 45816 covers Benton Ridge, OH in Hancock County with a population of about 309.

At a glance, the area shows median age of 40.3 (near the U.S. median).

It sits in telephone area codes 419, 567; U.S. House district OH-5; the TOLEDO media market.

Median household income in ZIP 45816 is about $77,614 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 2.2%; 22.2% of adults with a bachelor’s degree or higher (about 11.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Retail trade; about 6.5% of workers reporting work-from-home (about 8.7 points below the U.S. share (15.2%)); a mean commute of about 159.0 minutes (U.S. average near 26.8).

Median home value is about $122,000 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $346 (about 70% below the U.S. median rent ($1,163)), and owner-occupancy near 89.9% (about 24.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45816 in Benton Ridge, OH, a household would need roughly $34,000 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 $784. That sits below the local median household income ($77,614), 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 Benton Ridge village, OH as Relatively Low (composite score 54.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (65.4) and hurricane (39.6). 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 Benton Ridge village, OH show little to no average snow and around 33.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 13 for ZIP 45816 (Benton Ridge 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.