Best Places45846, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45846, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
45846 ranks 2,642nd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and tree cover ranks lowest.
The best neighborhoods in 45846
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
45846's strengths and weaknesses
Where 45846 ranks high
- Cheap car insuranceBetter than 99% of zip codes
- School gradeA+, better than 98% of zip codes
- Heat safetyBetter than 96% of zip codes
- Short commute16.1 minutes each way, better than 95% of zip codes
- Low vacancyBetter than 92% of zip codes
Where 45846 ranks low
- Tree shadeBetter than only 21% of zip codes
- TransitBetter than only 35% of zip codes
- State fiscal healthBetter than only 35% of zip codes
- Educational attainmentBetter than only 41% of zip codes
- Low property taxBetter than only 48% of zip codes
What it costs to buy a home in 45846
A household needs to earn about $65,000 a year to comfortably buy the median 45846 home, at 20% down and today's 30-year rate. That is below the area's own median income of $90,145, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 45846's effective rate of 0.83%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 45846
45846 runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45846.
Who works in 45846, and how
Work in 45846 centers on manufacturing and health care & social. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 93%
- Work from home 4%
- Transit, walk, or bike 3%
Life in 45846
45846 has more parkland per resident than 97% of zip codes. That concentrates in some parts of 45846 and thins out in others, which the map shows.
What the weather is like in 45846, month by month
45846 sees roughly 85 pleasant days a year. July highs average about 83 degrees. January highs sit near 35, with lows near 23. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 35° | 28° | 23° |
| April | 61° | 50° | 41° |
| July | 83° | 73° | 64° |
| October | 66° | 55° | 46° |
Flying in and out of 45846
The nearest airport, James M Cox Dayton International, is about 45 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 94 miles away.
The best schools in and around 45846
Schools across 45846 average an A+, better than 98% of zip codes.
Top elementary schools
- St Henry Elementary SchoolA+ · 85% proficient
- Fort Recovery Elementary SchoolA+ · 78% proficient
- Coldwater Elementary SchoolA+ · 75% proficient
Top middle schools
- St Henry Middle SchoolA+ · 88% proficient
- Fort Recovery Middle SchoolA+ · 84% proficient
- Coldwater Middle SchoolA+ · 77% proficient
Top high schools
- St Henry High SchoolA+ · 88% proficient
- Fort Recovery High SchoolA · 78% proficient
- Coldwater High SchoolA · 70% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45846 school and its grade on SchoolGrade.
45846 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 45846 against the other 33,109 zip codes.
Common questions about living in 45846
Is 45846 a good place to live?
Using BestNeighborhood's default rankings, 45846 ranks 2,642nd of 33,110 zip codes. It scores highest on cheap car insurance, good schools, and heat safety, and lowest on tree cover and transit. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45846 expensive to live in?
The median home is worth $248,556. The overall cost of living runs about 13% below the national average. Set against a $90,145 median income, cost of living beats 78% of zip codes.
Is 45846 safe?
Yes, 45846 is safer than 72% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $219 per resident a year.
Compare 45846 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45846. Scores are absolute rather than ranked, which means a 60 in 45846 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
45846 detail on BestNeighborhood maps:
- Walk Grade for 45846: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45846: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45846: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45846: carrier by carrier coverage behind the cell score.
45846 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.