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ZIP code 45849 is located in Paulding County, Ohio, centered near Payne, with a total population of 1,136 and a median age of 35.2. This is a rural community where 16.4% of residents are 65 or older (approximately 186 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 95.8% White, 3.5% Hispanic/Latino. Approximately 5.4% 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 $92,743, 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 5.3%. The unemployment rate is 0.2%. The median home value is $97,500 and median monthly rent is $545. Medicare beneficiaries in Paulding 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.