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ZIP code 45851 is located in Paulding County, Ohio, centered near Payne, with a total population of 578 and a median age of 43.8. This is a rural community where 15.1% of residents are 65 or older (approximately 87 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 95.3% White, 12.8% Hispanic/Latino. Approximately 21.9% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
The median household income is $81,917, 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 relatively low at 6.9%. The unemployment rate is 3.9%. The median home value is $162,900 and median monthly rent is $575. 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.