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ZIP code 45822 is located in Mercer County, Ohio, centered near Celina, with a total population of 20,170 and a median age of 42.4. This is a suburban community where 21.8% of residents are 65 or older (approximately 4,398 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 93.2% White, 1.3% Black/African American, 2.2% Hispanic/Latino. Approximately 21.1% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
The median household income is $72,106, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. The poverty rate is 8.6%. The unemployment rate is 2.4%. The median home value is $184,600 and median monthly rent is $822. Medicare beneficiaries in Mercer County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Ohio SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.