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45846

Medicare in ZIP Code 

45846

 — 

County: 
Rural

4763

Population

40.4018

Latitude

-84.7613

Longitude

Demographic Data

ZIP code 45846 is located in Darke County, Ohio, centered near Fort Recovery, with a total population of 4,763 and a median age of 38.3. This is a rural community where 18.1% of residents are 65 or older (approximately 860 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 97.8% White, 1.7% Black/African American, 1.3% Hispanic/Latino. Approximately 19.9% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.

Economic Metrics

The median household income is $92,273, above the national median. Higher-income Medicare beneficiaries should note that Income-Related Monthly Adjustment Amounts (IRMAA) may apply to Part B and Part D premiums for individuals earning above $106,000 or couples above $212,000 annually. The poverty rate is relatively low at 3.9%. The unemployment rate is 0.7%. The median home value is $250,300 and median monthly rent is $711. Medicare beneficiaries in Darke 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.

Hospitals Near 

45846

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Cities Near 

45846

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Frequently Asked Medicare Questions

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Facility data sourced from CMS medicare.gov.
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Data & Methodology for Research Articles: All provider, facility, quality star ratings, and enrollment data is sourced from primary CMS records (cms.gov), including the December 2025 CPSC Enrollment files and the January 2026 Provider Data Catalog. Calculations for patient-to-provider ratios are performed using indexed clinician and facility data for the state of Utah. Everything on restingsycamore.com is for educational purposes and does not constitute an endorsement of any specific plan or provider.

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