Skip to main content

Area data

Findlay, OH — ZIP 45840

Population: 54,559 (Census ACS)

The typical home value in ZIP 45840 (Findlay, OH) is $244,848 — up 3.2% over the past year. Homes sell for a median $247,450 after a median 42 days on market. Typical rent runs $1,456/month. 16 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with hail, ice storm, strong wind the top-rated hazards. Cost of living is 7.2% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$244,848

Typical home value

+3.2%

1-year change

42

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Typical home value
$244,848
1-year appreciation
+3.2%
3-year appreciation
+13.0%
5-year appreciation
+26.5%
10-year appreciation
+74.7%
Peak value since 2000 (Aug 2026)
$244,848
House Price Index (state)
365.7 (+4.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$247,450
Median list price
$269,900
Median price per sqft
$165
1-year sale-price change
-4.5%
Median days on market
42 days
Homes sold (recent period)
195
For-sale inventory
151
Sale-to-list ratio
99.0%
Active listings
160
1-year forecast
+3.3%
Days to pending
24 days
New listings (monthly)
70

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,456/mo
1-year rent change
+6.6%
Studio fair-market rent
$828/mo
1BR fair-market rent
$909/mo
2BR fair-market rent
$1,189/mo
3BR fair-market rent
$1,546/mo
4BR fair-market rent
$1,752/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
92.8 (100 = US avg)
Electricity rate (state-level)
17.0¢/kWh
Natural gas rate (state-level)
$13.90/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
16
Elementary schools
7
Middle schools
3
High schools
5
Charter schools
1
Avg student-teacher ratio
19.1 : 1
School districts serving the area
Findlay Digital Academy, Liberty-Benton Local, Findlay City
Schools include
Findlay Digital Academy, Liberty-Benton Middle School, Liberty-Benton Elementary School, Liberty-Benton High School, Liberty-Benton Eagle Academy

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
hail, ice storm, strong wind, tornado, winter weather
Notable hazard ratings (county)
hail: Relatively Moderate · tornado: Relatively Moderate · ice storm: Relatively Moderate · strong wind: Relatively Moderate · winter weather: Relatively Moderate · cold wave: Relatively Low
Most common flood zone among NFIP claims
Zone AE
NFIP flood claims on record
2,024
Wildfire risk to homes (county)
Higher than 0% of US counties
Buildings in wildfire direct-exposure zone
20.1%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
51.5°F
Average high
61.5°F
Average low
42.5°F
Annual precipitation
35.8 in
Annual snowfall
23.8 in
USDA plant hardiness zone
6b (extreme annual low -5 to 0°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
11.2 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
16,605
Jobs reachable by transit (45 min)
13,102

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
30
Nearest airport
Findlay Airport (FDY) (1 mi)
Nearest major airport
Findlay Airport (FDY) (1 mi)
Hospitals in or near this ZIP
1
Hospitals include
BLANCHARD VALLEY HOSPITAL
Avg hospital rating (CMS)
3.0 / 5
Best hospital rating nearby (CMS)
3.0 / 5
Solar radiation rating
Fair (3.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
-141 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1975
Housing built before 1970
44.0%
Housing built 2000 or later
18.0%
Median annual property tax
$2,164
Mean commute to work
15 min
Households with broadband internet
79.9%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
40,476
Average weekly wage
$1,259
Top industries (by employment)
Health Care, Accommodation & Food, Management
Annual residential building permits (county)
361

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 45840State medianUS median
Typical home value$244,848$225,365$288,527
Median sale price$247,450$242,250$325,000
Median days on market42 days45 days51 days
Typical rent$1,456/mo$1,387/mo$1,809/mo
Median annual property tax$2,164$1,962$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 45840?
$244,848.
What is the median sale price in ZIP 45840?
$247,450.
How long do homes take to sell in ZIP 45840?
Median days on market: 42 days.
What is typical rent in ZIP 45840?
Typical rent: $1,456/month.
What is the natural-hazard risk in ZIP 45840?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: hail, ice storm, strong wind, tornado, winter weather.
Is ZIP 45840 in a flood zone?
Flood zones vary by property within ZIP 45840. 2,024 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is AE. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 45840?
Risk to homes is higher than 0% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 45840?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 45840?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 45840?
16 schools (7 elementary, 3 middle, 5 high) (NCES, 2024-25).
Is ZIP 45840 walkable?
Walkability index: 11.2/20 (EPA Smart Location Database).
What is the cost of living in ZIP 45840?
Regional Price Parity: 92.8 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

Listing a home in Findlay, OH?

REAIGENT7 gives every listing its own AI assistant grounded in this same public data — it answers buyer and renter questions about the home and the area, around the clock, and sends every lead to the listing agent. Agents: it installs on your listing page, your website, or WordPress.

Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents