Lima, OH · Ohio
Allen County
ZIP 45820
101,685 residents146 permits TTM$62,001 median HHI13 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$158,400
ACS 5-Year
Cap rate proxy
6.8%
FMR × 0.65 ÷ Home Value
Rent-to-income
17.4%
HUD FMR ÷ ACS HHI
Net migration
+0.99%
IRS SOI
Permits (TTM)
146
Census BPS
Climate risk
73.3
FEMA NRI (0–100)
ZIP 45820
Median home value
—
Gross yield
—
Cap rate
6.8%
Rent gap
—
Affordability
P/I: 2.2R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown13 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 45804 | — | — | — | 15.1% | — |
| 45808 | — | — | — | 6.8% | — |
| 45820 | — | — | — | 6.8% | — |
| 45801 | — | — | — | 10.2% | — |
| 45809 | — | — | — | 6.8% | — |
Ranked by composite score
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Demographics
Owner-occupied
68.3%
Census ACS
Vacancy rate
8.4%
Census ACS
Bachelor's degree +
19.9%
Census ACS
Rent burdened
38.3%
Census ACS (>30% income)
Median age
39.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026