ZIP Code 44420 — Girard city, OH Demographics & Data

ZIP code 44420 covers Girard, OH in Trumbull County with a population of about 15,066.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 234, 330; U.S. House district OH-14; the YOUNGSTOWN media market.

Girard, OH sits in a university / college context (near eti technical college of niles (2.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 44420 is about $52,542 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.9%; unemployment rate near 3.8%; 21.8% of adults with a bachelor’s degree or higher (about 11.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 5.0% of workers reporting work-from-home (about 10.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $115,000 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $613 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 70.6% (about 5.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 44420 in Girard, OH, a household would need roughly $32,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $739. That sits below the local median household income ($52,542), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Girard city, OH as Relatively Moderate (composite score 84.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (88.8) and hurricane (69.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Girard city, OH show little to no average snow and around 41.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 639 for ZIP 44420 (Girard city, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.