Best Places45862, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 45862, 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.
45862 ranks 15,297th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and the weather ranks lowest.
The best neighborhoods in 45862
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.
45862's strengths and weaknesses
Where 45862 ranks high
- Cheap car insuranceBetter than 99% of zip codes
- School gradeA, better than 96% of zip codes
- Low vacancyBetter than 83% of zip codes
- QuietBetter than 78% of zip codes
- Housing crash safetyBetter than 74% of zip codes
Where 45862 ranks low
- Nice weatherabout 57 pleasant days a year, better than only 4% of zip codes
- Tree shadeBetter than only 21% of zip codes
- Internet speedBetter than only 22% of zip codes
- Cost of living vs incomeBetter than only 24% of zip codes
- Household income$62,179 median, better than only 28% of zip codes
What it costs to buy a home in 45862
A household needs to earn about $37,000 a year to comfortably buy the median 45862 home, at 20% down and today's 30-year rate. That is below the area's own median income of $62,179, 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 45862's effective rate of 1.12%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 45862
45862's age mix sits close to the national median, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 45862.
Who works in 45862, and how
Work in 45862 centers on manufacturing and retail trade. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 93%
- Work from home 6%
- Transit, walk, or bike 1%
Life in 45862
The map and measures below break down dining, culture, and green space by neighborhood across 45862.
What the weather is like in 45862, month by month
45862 sees roughly 57 pleasant days a year. July highs average about 86 degrees. January highs sit near 37, with lows near 20. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 37° | 29° | 20° |
| April | 64° | 51° | 39° |
| July | 86° | 75° | 64° |
| October | 69° | 56° | 45° |
Flying in and out of 45862
The nearest airport, Fort Wayne International, is about 41 miles away and is a small airport. The nearest major hub is John Glenn Columbus International, about 98 miles away.
The best schools in and around 45862
Schools across 45862 average an A, better than 96% of zip codes.
Top elementary schools
- Parkway Elementary SchoolA+ · 83% proficient
- St Marys West Intermediate SchoolA · 69% proficient
- Celina Elementary SchoolA · 68% proficient
Top middle schools
- Parkway Middle SchoolA+ · 75% proficient
- St. Marys Middle SchoolA · 67% proficient
- Celina Intermediate Elementary SchoolA · 66% proficient
Top high schools
- Parkway High SchoolA− · 67% proficient
- St Marys Memorial High SchoolB+ · 58% proficient
- Celina High SchoolB+ · 52% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 45862 school and its grade on SchoolGrade.
45862 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 45862 against the other 33,109 zip codes.
Common questions about living in 45862
Is 45862 a good place to live?
Using BestNeighborhood's default rankings, 45862 ranks 15,297th of 33,110 zip codes. It scores highest on cheap car insurance, good schools, and few empty homes, and lowest on the weather and tree cover. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 45862 expensive to live in?
The median home is worth $135,004. The overall cost of living runs about 9% below the national average. Set against a $62,179 median income, cost of living beats 24% of zip codes.
Is 45862 safe?
45862 is safer than 38% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $317 per resident a year.
Compare 45862 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 45862. Scores are absolute rather than ranked, which means a 60 in 45862 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.
45862 detail on BestNeighborhood maps:
- Walk Grade for 45862: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 45862: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 45862: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 45862: carrier by carrier coverage behind the cell score.
45862 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.