| City: | Cairo, Ohio |
| County: | Allen County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 9:56:28 PM |
| Population: | 517 [See All] |
| Area Codes: | 419 / 567 |
| Classification: | PO Box |
| Coordinates: | 40.8287, -84.0859 |
| Land Area: | 0.277 sq mi |
| Quick Link: |
Cairo is a small village in Allen County, Ohio, with a population of 517 residents spread across just 0.26 square miles. This is a PO Box Only Zone. Despite its compact size and mixed urban and rural carrier routes, street delivery isn't available here. The post office maintains 230 PO Boxes for 207 households, creating an adoption rate of 1.11.
That ratio tells an important story. Nearly every household has a box, and the extra boxes serve local businesses, seasonal residents, or families who keep multiple boxes. With 4 business establishments and 29 employees, Cairo functions as a quiet residential community where most working residents commute elsewhere (90 drove alone to work, 65 carpooled).
The village has a typical small-town structure. Main Street (split into East and West) forms the core, with 10 delivery points on the west side and 2 on the east. Other streets like Wall Street (6 records), Elm Street (5 records), and Church Street (3 records) follow traditional Midwestern naming patterns. The median age of 40.1 years suggests an established community, not a retirement haven.
Homeownership dominates here. Of 207 occupied housing units, 165 are owner-occupied (80%). The median home value of $107,900 positions Cairo as an affordable community, typical for rural northwest Ohio. Median household income stands at $79,643, well above poverty but reflecting a working-class population rather than wealth.
All mail must be addressed to a PO Box. Standard street addresses don't work for delivery in Cairo, as this is designated as a PO Box Only Zone across its entire 0.26 square mile territory.
Street names follow traditional Midwestern small-town patterns with Main Street as the core, plus civic and nature references.
ZIP Code 45820 has 517 residents and 207 households (average 2.50 persons per household). The median age is 40.1 years, about the same as the state (39.8) and slightly older than the nation (38.8). The gender split is 50.9% male and 49.1% female, which is slightly higher than the state male share (49.0%), making this a male-majority area. Largest groups are White (90.7%, much higher than the state average of 77.0% and well above the national average of 61.6%) and Hispanic or Latino (2.7%); Hispanic or Latino residents make up 2.7%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 517Source: Census DHC |
| 2024 ACS Population Estimate: | 581Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 1,866.4 people per sq mile |
| Average Income: | $83,125Source: Census ACS |
| Households: | 207Source: Census DHC |
| Average House Value: | $114,500Source: Census ACS |
| Persons Per Household: | 2.50Source: Census DHC |
| Average Family Size: | 2.83Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 351 | 417 | 423 | 470 | 390 | 452 | 530 | 488 | 508 | 681 | 723 | 645 | 600 | 581 |
| Decennial Census | 543 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 517 | -- | -- | -- | -- |
Median Age: 40.1
Male Median Age: 38.5
Female Median Age: 42.2
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 20 | 14 | 23 | 17 | 11 | 23 | 17 | 9 | 11 | 22 | 12 | 15 | 24 | 7 | 16 | 12 | 5 | 5 |
| Female | 10 | 14 | 22 | 13 | 18 | 18 | 16 | 13 | 8 | 18 | 18 | 17 | 18 | 14 | 14 | 7 | 10 | 6 |
| Total | 30 | 28 | 45 | 30 | 29 | 41 | 33 | 22 | 19 | 40 | 30 | 32 | 42 | 21 | 30 | 19 | 15 | 11 |
| White: | 469 | 94.56% |
| Black: | 3 | 0.60% |
| Hispanic:* | 14 | 2.82% |
| Asian: | 3 | 0.60% |
| American Indian: | 2 | 0.40% |
| Hawaiian: | 0 | 0% |
| Other: | 5 | 1.01% |
| Total: | 496 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 263 | 50.87% | 38.5 years |
| Females: | 254 | 49.13% | 42.2 years |
| Total: | 517 | 100% | 40.1 years |
| Native, born in the United States: | 559 | 96.21% |
| Native, born in PR, Island Areas, or abroad: | 0 | 0.00% |
| Foreign born, naturalized U.S. citizen: | 5 | 0.86% |
| Foreign born, not a U.S. citizen: | 17 | 3.79% |
| Total Population: | 581 | 100% |
| Total Native Population: | 559 | 96.21% |
| Total Foreign-born Population: | 22 | 3.79% |
In 2024, the Median household income is $83,125, which is notably higher than the national median ($78,538), is up $29,625 (55.4%) since 2011 and above its 2019 pre-pandemic level by $31,779. Family households earn a median of $88,750 versus $44,375 for nonfamily households (a difference of $44,375). By gender, male median income is $58,289 and female is $72,604, which is much higher than the national female median ($53,445), with a current gap of $14,315 that has narrowed from 2011 to 2024. The labor-force participation rate is 70.1%, which is higher than the national rate (63.5%). The unemployment rate is 2.0%, which is much lower than the national rate (5.2%). The largest occupation group is Sales (28.5%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $53,500 | $47,917 | $44,732 | $46,354 | $39,500 | $48,125 | $49,659 | $46,563 | $51,346 | $58,056 | $61,625 | $65,962 | $79,643 | $83,125 |
| Median Family Income | $56,250 | $55,313 | $60,000 | $61,333 | $51,563 | $52,125 | $53,750 | $51,719 | $55,417 | $72,583 | $77,981 | $82,946 | $87,946 | $88,750 |
| Median NonFamily Income | $33,333 | $19,773 | $24,063 | $23,438 | $22,500 | $30,417 | $37,813 | $35,156 | $35,909 | $36,354 | $36,875 | $40,764 | $44,821 | $44,375 |
| Median Male Income | $46,667 | $41,667 | $46,875 | $51,042 | $50,909 | $48,333 | $52,981 | $50,208 | $45,156 | $27,917 | $24,789 | $41,979 | $48,393 | $58,289 |
| Median Female Income | $41,250 | $44,375 | $48,125 | $48,750 | $31,964 | $31,964 | $30,938 | $35,625 | $33,906 | $46,667 | $52,885 | $54,375 | $57,857 | $72,604 |
| Employed: | 340 | 68.69% |
| Unemployed: | 7 | 1.41% |
| Not In Labor Force: | 148 | 29.90% |
| Total: | 495 | 100% |
| Management, business, science, and arts: | 70 | 20.59% |
| Service: | 65 | 19.12% |
| Sales and Office: | 97 | 28.53% |
| Natural resources, construction, and maintenance: | 31 | 9.12% |
| Production, transportation, and material moving: | 77 | 22.65% |
| Total Civilian Employed Population: | 340 | 100% |
In 2024, the median home value is $114,500, which is well under the national median ($303,400), is up $26,500 (30.11%) since 2011 and above its 2019 pre-pandemic level by $19,100. The median gross rent is $1,023, which is far less than the national median ($1,348), and above its 2019 pre-pandemic level by $355. Of occupied housing, owners make up 86.45% (48.11% with a mortgage, 51.89% free-and-clear) and renters 13.55% - making this ZIP Code under national rental averages. The vacancy rate is 10.46%, which is much higher than the national rate (10.43%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $88,000 | $85,300 | $84,800 | $87,600 | $85,800 | $81,300 | $90,700 | $92,200 | $95,400 | $87,800 | $93,300 | $99,200 | $107,900 | $114,500 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 12 | 41.38% |
| $1,000 to $1,499: | 14 | 48.28% |
| $1,500 to $1,999: | 0 | 0.00% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 3 | 10.34% |
| Total: | 29 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $0 | $613 | $671 | $675 | $657 | $675 | $647 | $639 | $668 | $681 | $679 | $788 | $850 | $1,023 |
| Owner Occupied (with mortgage): | 89 | 41.59% |
| Owner Occupied (free and clear, no mortgage): | 96 | 44.86% |
| Renter Occupied: | 29 | 13.55% |
| Total Occupied Housing Units: | 214 | 100% |
| Occupied Housing Units: | 214 | 89.54% |
| Vacant Housing Units (not graphed): | 25 | 10.46% |
| Total Housing Units: | 239 | 100% |
| Single-Family Units: | 210 | 87.87% |
| Multi-Family Units: | 9 | 3.77% |
| Other Units: | 20 | 8.37% |
| Total Housing Units: | 239 | 100% |
In 2024, 20.40% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.00%). High school or higher is 95.30%, which is far higher than the national rate (89.40%). The uninsured rate is 5.00%, which is comparable to the national rate (8.60%). The share of people in poverty is 5.90%, which is comparable to the national rate (8.70%), up 2.70 percentage points since 2011 and below its 2019 pre-pandemic level by 3.60 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is college (41.53%). College enrollment is 41.53%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 5 | 1.23% |
| 9th to 12th grade, no diploma: | 14 | 3.44% |
| High school graduate (includes equivalency): | 152 | 37.35% |
| Some college, no degree: | 89 | 21.87% |
| Associate's degree: | 64 | 15.72% |
| Bachelor's degree: | 72 | 17.69% |
| Graduate or professional degree: | 11 | 2.70% |
| Total: | 407 | 100% |
| High school or higher: | 388 | 95.33% |
| Bachelor's degree or higher: | 83 | 20.39% |
| Private Insurance: | 452 | 67.46% |
| Public Insurance: | 189 | 28.21% |
| No Insurance: | 29 | 4.33% |
| Total: | 670 | 100% |
| Has Health Insurance: | 641 | 95.67% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 1.8% | 3.2% | 1.8% | 6.5% | 8.5% | 7.3% | 12.1% | 12.0% | 8.1% | 5.1% | 8.7% | 7.9% | 4.5% | 5.9% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 0 | 0.00% |
| Kindergarten: | 1 | 0.85% |
| Elementary school (grades 1-8): | 33 | 27.97% |
| High school (grades 9-12): | 35 | 29.66% |
| College or graduate school: | 49 | 41.53% |
| Total: | 118 | 100% |
| Early Childhood: | 1 | 0.85% |
| K-12 (Primary & Secondary School): | 69 | 58.47% |
ZIP Code 45820 supports both business and residential activity. According to the Business Census (2024), there are 4 business establishments, employing about 46 people with an annual payroll of $3,941,000.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 254Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 4Source: CBP |
| 1st Quarter Payroll: | $1,121,000Source: CBP |
| Annual Payroll: | $3,941,000Source: CBP |
| # of Employees: | 46Source: CBP |
ZIP Code 45820 is located in Allen County, Ohio, within the Lima, OH Metropolitan Statistical Area (CBSA 30620) and Ohio's 4th Congressional District. This Metro area has a population of 106,331 people, about 0.49% of whom live in ZIP Code 45820. It covers 0.277 sq mi of land and a water area of 0 sq mi.
| CBSA Name: | Lima, OHSource: Census |
| CBSA Number: | 30620Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 106,331Source: Census |
| MSA: | Lima, OH MSASource: Census |
| Land Area: | 0.277 sq miSource: Census |
| Water Area: | --Source: Census |
| Congressional District: | 04Source: USPS |
| Congressional Land Area: | 4664.87 sq miSource: Census |
| PMSA: | --Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 3910884Source: Census |
| Place Name: | Cairo village; OhioSource: Census |
We could not locate which school district 45820 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.