Population & age
- Total population
- 1,137
- Median age
- 52.2
ZIP 43432, OH (43432)
Ottawa County · Sandusky, OH · Population 1,137
Fresh.Data current as of Apr 24, 2026
OH 43432 (ZIP 43432) sits in Ottawa County within the Sandusky metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 38.6%. No NCES schools are mapped to this ZIP in the current dataset. 3 colleges and universities serve the area, with median in-state tuition of $10,104. IRS data shows average household income (AGI) of $77,044, well above the ~$45K national average per return. Local establishments report average pay of $32,303 per worker (Census ZBP) — below the US average. BLS LAUS records a 6.0% county unemployment rate (2024) — about 2.0 points above the US average and a labor-market distress signal. The CDC SVI flags housing & transportation (72th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 38th-percentile score. FEMA has issued 13 federal disaster declarations affecting this ZIP since 1969. 31.0% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Ohio levies a flat state income tax (top rate 3.50%); a household at the local median AGI of $77,044 would pay roughly $1,618/year before deductions. New residents arriving here predominantly come from Lucas County, OH (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,060 for a two-bedroom, a typical home value of $250,431, down 3.2% over the past year, and a low 1.8% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 94.9%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 2.3%
- Other / multi-racial
- 5.1%
Income & housing
- Median home value
- $175,500
Education
- Bachelor's degree or higher (age 25+)
- 22.8%
Employment
- Unemployment rate
- 3.0%
Housing
- Owner-occupied
- 428(96.0%)
- Renter-occupied
- 18(4.0%)
- Vacant units
- 0
- Built (median)
- 1955
Commute
- Public transit
- 0(0.0%)
- Work from home
- 8(1.5%)
- Avg commute
- 28.9 min
Economic wellbeing
- Below poverty line
- 21(1.8%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 317(71.1%)
- No broadband
- 129(28.9%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$770
/month
1 Bed
$810
/month
2 Bed
$1,060
/month
3 Bed
$1,270
/month
4 Bed
$1,620
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$250,431
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-3.2%
vs. March 2025
5-year change
+24.0%
vs. March 2021
Metro area
Toledo, OH
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
126
Across 124 permitted buildings. Total construction value: $67.2M.
Single-family
122
97% of total units
Multifamily (2+ unit)
4
3% of total units
Single-family value
$66.1M
construction value
Multifamily value
$1.1M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
720
Average AGI
$77,044
Avg property tax
—
EITC participation
5.6%
Income distribution
- $1 – $25,00020.8% · 150
- $25,000 – $50,00020.8% · 150
- $50,000 – $75,00015.3% · 110
- $75,000 – $100,00016.7% · 120
- $100,000 – $200,00022.2% · 160
- $200,000 or more4.2% · 30
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
$1,006
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $55.5M across all reported brackets.
Business & employment
Business establishments
16
Total employment
66
Annual payroll
$2.1M
Average annual pay
$32,303
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$53,467
Average weekly wage
$1,028
Total employment
14,146
Total establishments
1,226
That is roughly 18% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
6.0%
That is 2.0 percentage points above the US national unemployment rate of about 4.0%.
Labor force
20,201
Employed
18,986
Unemployed
1,215
Based on Ottawa County, OH data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Sandusky--Port Clinton, OH
Reporting agencies
1
Largest: City of Sandusky
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federal Disaster Declarations
Federally Declared Disasters
13
Date Range
1969–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 31, 2020 (DR-4507)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Severe Storm5 (38%)
- Flood3 (23%)
- Biological2 (15%)
- Hurricane1 (8%)
- Snowstorm1 (8%)
- Other1 (8%)
Individual Assistance
6
Direct help to disaster survivors
Households Program
2
Housing & temporary lodging support
Public Assistance
11
Repair of public facilities & roads
Hazard Mitigation
3
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
50.7°F
40.9° – 60.6°
Annual precipitation
38.2"
Annual snowfall
26.2"
Heating · cooling days
6,028 · 874.2
Annual base 65°F
Nearest station: FREMONT, OH US, 17.3 miles from the centroid of ZIP 43432 (ZIP 43432)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
8,724
That is roughly 524 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
16%
of adults self-report
Poor physical health days
4.3
avg per adult per month
Poor mental health days
5.8
avg per adult per month
Uninsured
6.6%
of residents under 65
Primary care MDs
47
per 100,000 residents
Preventable hospital stays
2,776
per 100K Medicare enrollees
Food environment (0-10)
7.6
10 = best access & security
Exercise access
68%
residents near a facility
Flu vaccinated
53%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Ottawa data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Significant food access concerns
31.0% of Ottawa County, OH residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.17
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.82
accepting food benefits
Fast-food restaurants
0.92
per 1,000 residents
Among low-income residents, 9.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Ottawa County, OH for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Who’s moving in and out
Net migration (2022-2023)
▲+85 people
−36 households • +$19.3M net AGI flow
Moved in
1,432households
2,323 people • $108.5M AGI
Moved out
1,468households
2,238 people • $89.2M AGI
Where new residents came from
- Lucas County, OH — 199 households
- Wood County, OH — 136 households
- Sandusky County, OH — 120 households
- Erie County, OH — 78 households
- Cuyahoga County, OH — 61 households
Where departing residents went
- Sandusky County, OH — 174 households
- Lucas County, OH — 150 households
- Wood County, OH — 138 households
- Erie County, OH — 106 households
- Cuyahoga County, OH — 51 households
Incoming households reported an average AGI of $75,788 versus departing households' $60,750.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Ohio
State-level rules that apply to every resident of ZIP 43432. Numbers reflect the most recent published year per source.
Tax rates
Income tax
3.50%
flat · 1 brackets
Sales tax (combined)
7.29%
State 5.75% · avg local 1.54%
Property tax (effective)
0.89%
Median $1,417/year
Tax burden rank
25 of 50
10.10% of personal income
For ZIP 43432: At this ZIP's median AGI of $77,044, the estimated state income tax (before deductions) runs about $1,618 per year. Applied to this ZIP's typical home value of $250,431, that works out to roughly $2,225/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
130% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 43432
Nearby ZIPs by distance
43445 (Clay Center, 3 mi) · 43458 (Rocky Ridge, 3 mi) · 43468 (Williston, 5.5 mi) · 43416 (Elmore, 5.5 mi) · 43408 (Clay Center, 5.8 mi) · 43412 (Curtice, 5.9 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
37.9%
4.9pp above the 33.0% national rate.
High Blood Pressure
38.6%
6.6pp above the 32.0% national rate.
Depression
23.8%
Tracks close to the 22.0% national rate.
Annual Checkup
79.6%
3.6pp above the 76.0% national rate.
Health Insurance
6.4%
6.6pp below the 13.0% national rate.
Diabetes
12.2%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
3
Median in-state tuition
$10,104
Median earnings (10 yr)
$36,612
- 4-Year
Bowling Green State University-Main Campus
Bowling Green, OH · 43403
- In-state tuition
- $14,460
- Out-of-state tuition
- $22,448
- Acceptance rate
- 81.0%
- Graduation rate
- 63.2%
- Median earnings (10 yr)
- $47,896
- Median student debt
- $25,000
- 2-Year
Terra State Community College
Fremont, OH · 43420
- In-state tuition
- $5,748
- Out-of-state tuition
- $8,544
- Acceptance rate
- —
- Graduation rate
- 37.3%
- Median earnings (10 yr)
- $36,612
- Median student debt
- $17,500
- Certificate
Vanguard-Sentinel Adult Career and Technology Center
Fremont, OH · 43420
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 70.6%
- Median earnings (10 yr)
- $33,907
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
OH 43432 (ZIP 43432) sits in Ottawa County within the Sandusky metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 38.6%. No NCES schools are mapped to this ZIP in the current dataset. 3 colleges and universities serve the area, with median in-state tuition of $10,104. IRS data shows average household income (AGI) of $77,044, well above the ~$45K national average per return. Local establishments report average pay of $32,303 per worker (Census ZBP) — below the US average. BLS LAUS records a 6.0% county unemployment rate (2024) — about 2.0 points above the US average and a labor-market distress signal. The CDC SVI flags housing & transportation (72th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 38th-percentile score. FEMA has issued 13 federal disaster declarations affecting this ZIP since 1969. 31.0% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Ohio levies a flat state income tax (top rate 3.50%); a household at the local median AGI of $77,044 would pay roughly $1,618/year before deductions. New residents arriving here predominantly come from Lucas County, OH (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,060 for a two-bedroom, a typical home value of $250,431, down 3.2% over the past year, and a low 1.8% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 23.8%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 43432
What is the obesity rate in ZIP 43432?
37.9%, which is 4.9 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 43432?
23.8%, which is 1.8 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 43432?
38.6%, which is 6.6 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 43432?
1,137 people live in ZIP 43432, with a median age of 52.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 43432 mostly renters or homeowners?
In ZIP 43432, 96.0% of occupied housing units are owner-occupied and 4.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 43432?
In ZIP 43432, 1.5% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 43432?
1.8% of the population in ZIP 43432 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 43432 have broadband internet?
71.1% of households in ZIP 43432 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 43432?
The typical home value in ZIP 43432 is $250,431, down 3.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 43432?
Home values are down 3.2% over the past year and up 24.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 43432?
The average Adjusted Gross Income reported on tax returns from ZIP 43432 (OH 43432) is $77,044 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 43432?
Tax returns from ZIP 43432 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 43432 earn over $200,000?
4.2% of tax returns from ZIP 43432 (OH 43432) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 43432?
As of 2022, 16 business establishments operated in ZIP 43432 employing 66 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 43432?
The average annual pay across all local establishments in ZIP 43432 is $32,303, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 43432 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 43432 ranks in the 38th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 43432?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 43432, ranking in the 72th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 43432 experienced?
FEMA has recorded 13 federal disaster declarations affecting ZIP 43432 between 1969–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 43432?
Severe Storm is the most common federally declared disaster type affecting ZIP 43432, accounting for 5 of 13 declarations (38%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 43432?
The most recent FEMA disaster declaration affecting ZIP 43432 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4507) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 43432?
3 colleges and universities are listed near ZIP 43432 by the U.S. Department of Education College Scorecard, including Bowling Green State University-Main Campus, Terra State Community College, and Vanguard-Sentinel Adult Career And Technology Center (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 43432?
Median in-state tuition across 3 nearby institutions is $10,104 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 43432?
Graduates of nearby colleges earn a median of $36,612 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 43432?
ZIP 43432 has an average annual temperature of 50.7°F and 38.2" of annual precipitation based on the FREMONT, OH US weather station 17.3 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 43432 have public transit?
Yes — ZIP 43432 is part of the Sandusky--Port Clinton, OH urbanized area, primarily served by City of Sandusky (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 43432?
Ohio has a flat income tax with a top rate of 3.50%. Households at the local median AGI of $77,044 would pay roughly $1,618 in state income tax annually (estimated, before deductions). Combined sales tax: 7.29% (Tax Foundation 2025).
Does Ohio have paid family leave?
Ohio has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 43432?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (3 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (13 on record), climate normals from NOAA NCEI (1991-2020), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (13 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 43432
Nearby ZIPs by distance
43445 (Clay Center, 3 mi) · 43458 (Rocky Ridge, 3 mi) · 43468 (Williston, 5.5 mi) · 43416 (Elmore, 5.5 mi) · 43408 (Clay Center, 5.8 mi) · 43412 (Curtice, 5.9 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 43432?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
38th percentile
Moderate Vulnerability
Based on 1 census tract, population 1,541
Vulnerability Themes
Households Without Vehicle
48
Limited English Speakers
4
Persons with Disability
254
Without HS Diploma
82
Without Health Insurance
60
Adults Age 65+
313
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.