ZIP Code 45838 — Elgin village, OH Demographics & Data

ZIP code 45838 covers Elgin, OH in Van Wert County with a population of about 71.

At a glance, the area shows median age of 42.6 versus a U.S. median of about 38.9.

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

Median household income in ZIP 45838 is about $88,553 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.8%; unemployment rate near 4.8%.

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; a mean commute of about 40.0 minutes (U.S. average near 26.8).

Median home value is about $114,300 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.9% (about 27.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45838 in Elgin, OH, a household would need roughly $31,000 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 $734. That sits below the local median household income ($88,553), 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 Elgin village, OH as Very Low (composite score 20.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (33.7) and hurricane (29.8). 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 Elgin village, OH show little to no average snow and around 40.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 45838 (Elgin 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.