45840 and 43512 receive effectively the same standardized Area Score. Which fits you better depends on which dimensions you weight — the differences below are where they actually diverge.
Signals
45840
43512
Opportunity
58 · Top 44%
vs60 · Top 38%
Growth
58 · Top 37%
vs52 · Top 46%
Climate
63 · Bottom 31%
vs62 · Bottom 20%
Physical resilience
52 · Bottom 44%
vs50 · Bottom 42%
Housing affordability
99 · Top 12%
vs100 · Top 9%
Schools
61 · Top 37%
vs58 · Top 41%
Access
81 · Bottom 22%
vs83 · Bottom 25%
Economic stability
59 · Bottom 49%
vs53 · Bottom 37%
Measured values
| Metric | 45840 | 43512 | Source period |
|---|---|---|---|
| Population | 54,559 | 28,022 | 2024 ACS 5-Year |
| Median household income | $68,083 | $71,841 | 2024 ACS 5-Year |
| Per capita income | $40,027 | $37,225 | 2024 ACS 5-Year |
| Population density | 328/sq mi | 129/sq mi | 2024 ACS 5-Year |
| Median home value | $213,000 | $158,800 | 2024 ACS 5-Year |
| Median gross rent | $986 | $860 | 2024 ACS 5-Year |
| Homeownership rate | 66.0% | 77.4% | 2024 ACS 5-Year |
| Unemployment rate | 3.7% | 3.3% | June 2026 |
| Employment change (year over year) | -0.3% | -0.5% | June 2026 |
| Bachelor's degree or higher | 33.3% | 19.2% | 2024 ACS 5-Year |
| Poverty rate | 10.7% | 11.9% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 261 | 31 | 12 months ending July 2026 |
| Permits per 1,000 residents | 6.5 | 1.8 | 12 months ending July 2026 |
| Permit change (year over year) | 11.1% | 34.8% | 12 months ending July 2026 |
| Average July high | 85°F | 84°F | 1991-2020 Normals |
| Average January low | 20°F | 18°F | 1991-2020 Normals |
| Annual precipitation | 33.8" | 33.0" | 1991-2020 Normals |
| Distance to major airport | 40 mi | 35 mi | NASR current cycle |
| Average commute | 18.3 min | 21.1 min | 2024 ACS 5-Year |
| Median age | 38.9 | 44.0 | 2024 ACS 5-Year |
| Public schools | 14 | 8 | 2024-25 school year |
| Students per teacher | 18.67 | 16.80 | 2024-25 school year |
| Math proficiency | 63.9% | 61.1% | 2019-20 school year |
| Reading proficiency | 61.9% | 58.4% | 2019-20 school year |
| Free or reduced-price lunch eligibility | 40.4% | 33.4% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
45840
Elevated or high exposure: hail, strong wind.
43512
Elevated or high exposure: tornado, inland flooding.
Full profiles: 45840 — Findlay, OH · 43512 — Defiance, OH · How this is calculated: methodology