Toronto, OH · standard
ZIP Code 43964
Jefferson County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,575
- 78/sq mi Moderate-density area
- $60,365
- Median income Below-median income area
- $132,800
- Median home value Below-median home value
- 16.5%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Toronto pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 30th pct
- household income, US ZIPs
- 21st pct
- home value, US ZIPs
- 78
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 43964 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 43964 (Toronto, OH) rose +9.9% from 2023 to 2024. The all-transactions index moved from 182.2 in 2023 to 200.2 in 2024 (2000 = 100).
ZIP code 43964 is a mid-sized community (a standard USPS delivery area) in Toronto, Jefferson County, Ohio, home to 9,575 residents across 123.2 square miles, a density of 78 people per square mile, in the New York time zone.
ZIP 43964 reports a modest median household income of $60,365 (17% below the average Ohio ZIP), while per-capita income is $32,442. The poverty rate is 12.2%, with unemployment at 2.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $132,800 (33% below the average Ohio ZIP), and median rent is $772; owner occupancy is 78.2%.
Educational attainment sits below the national norm: 16.5% of adults hold a bachelor's degree or higher, the median age is 49.2, and the average commute is 23 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Jefferson County, so 43964 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 43964
Top 5 sectors by establishment count in Toronto, OH
Which industries have the most business establishments in ZIP 43964.
- Accommodation and food services
Accommodation and food services
19 establishments
- Other services (except public administration)
Other services (except public administration)
16 establishments
- Construction
Construction
13 establishments
- Retail trade
Retail trade
13 establishments
- Administrative and support and waste management and remediation services 7
Administrative and support and waste management and remediation services
7 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 43964, Toronto, OH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
9,575
Population
123.2
Area (sq mi)
78
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 43964?
49.2
Median Age
49.1%
Male
50.9%
Female
0.9%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$60,365
Median Household Income
-17% vs state ZIP avg
$32,442
Per Capita Income
12.2%
Poverty Rate
2.2%
Unemployment Rate
22.8 min
Mean Commute Time
How ZIP 43964 ranks among Ohio ZIPs
Toronto, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$60,365 29th percentile higher than 29% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,521housing units
4,521
Total Housing Units
4,096
Occupied Units
425
Vacant Units
2.18
Avg Household Size
Occupancy Type
$132,800
Median Home Value
-33% vs state ZIP avg
$772
Median Rent
1960
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+9.9%
YoY Change (2024)
200
HPI Index (2000 = 100)
+100%
Total Change Since 2000
Home values in ZIP 43964 have increased 9.9% over the past year (2024). Since 2000, this ZIP has seen +100% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.4% | 148 |
| 2021 | +6.7% | 158 |
| 2022 | +13.2% | 179 |
| 2023 | +1.9% | 182 |
| 2024 | +9.9% | 200 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 104 business establishments in ZIP 43964, employing approximately 1,403 people with a combined annual payroll of $100,754,000.
104
Businesses
1,403
Employees
$100.8M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 19 | 18.3% |
| Other services (except public administration) | 16 | 15.4% |
| Construction | 13 | 12.5% |
| Retail trade | 13 | 12.5% |
| Administrative and support and waste management and remediation services | 7 | 6.7% |
| Health care and social assistance | 7 | 6.7% |
| Finance and insurance | 6 | 5.8% |
| Manufacturing | 5 | 4.8% |
| Transportation and warehousing | 5 | 4.8% |
| Arts, entertainment, and recreation | 4 | 3.9% |
| Real estate and rental and leasing | 3 | 2.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 43964 vs 43926 →
ZIP 43964 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 43952
Steubenville (43952)
19,050 residents
- 43953
Steubenville (43953)
11,553 residents
- 43964
Toronto (43964)
9,575 residents
- 43968 7,182
Wellsville (43968)
7,182 residents
- 26047 6,222
New Cumberland (26047)
6,222 residents
- 43944 2,529
Richmond (43944)
2,529 residents
- 26050 1,575
Newell (26050)
1,575 residents
- 43932 931
Irondale (43932)
931 residents
- 43961 294
Stratton (43961)
294 residents
What this shows Among its immediate neighbors, ZIP 43964 ranks #3 by population - useful context the national average alone can't give.
ZIP 43964 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 43953
Steubenville (43953)
$74,107 median income
- 43944
Richmond (43944)
$69,228 median income
- 43964
Toronto (43964)
$60,365 median income
- 43968
Wellsville (43968)
$59,200 median income
- 26047
New Cumberland (26047)
$58,641 median income
- 43932
Irondale (43932)
$54,531 median income
- 26056
New Manchester (26056)
$54,286 median income
- 26050
Newell (26050)
$50,139 median income
- 43952
Steubenville (43952)
$47,624 median income
What this shows By household income, ZIP 43964 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 43926 | Empire, OH | 285 | 3.0 mi |
| 43961 | Stratton, OH | 294 | 3.5 mi |
| 43952 | Steubenville, OH | 19,050 | 6.1 mi |
| 43932 | Irondale, OH | 931 | 5.2 mi |
| 26047 | New Cumberland, WV | 6,222 | 5.6 mi |
| 26056 | New Manchester, WV | 93 | 5.8 mi |
| 43944 | Richmond, OH | 2,529 | 6.5 mi |
| 26050 | Newell, WV | 1,575 | 8.2 mi |
| 43968 | Wellsville, OH | 7,182 | 10.1 mi |
| 43953 | Steubenville, OH | 11,553 | 9.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 43964, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,575 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Jefferson County
Related Areas
Frequently Asked Questions
What county is ZIP code 43964 in?
ZIP code 43964 (Toronto) is located in Jefferson County, Ohio. Jefferson County contains multiple ZIP codes, see the full list at /counties/jefferson-oh.
What is the population of ZIP code 43964?
ZIP code 43964 in Toronto, OH has a population of 9,575 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 43964?
The median household income in ZIP 43964 is $60,365, which is 21% below the national average of $76,288.
What is the average home value in ZIP 43964?
The median home value in ZIP 43964 is $132,800, which is 52% below the national average of $278,155.
What is the demographic makeup of ZIP 43964?
The largest racial group in ZIP 43964 is White at 94.0%. Hispanic or Latino residents make up 0.6% of the population.
How many businesses are in ZIP code 43964?
ZIP code 43964 has 104 business establishments employing approximately 1,403 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 43964?
The top industries by establishment count in ZIP 43964 are: Accommodation and food services (19), Other services (except public administration) (16), Construction (13). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 43964?
According to the FHFA House Price Index, home values in ZIP 43964 increased by 9.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 100%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 43964?
In ZIP code 43964, 59.7% of residents aged 25+ have a high school diploma or higher, and 16.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 43964?
The mean commute time for workers in ZIP code 43964 is 22.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 43964?
In ZIP code 43964, approximately 78.2% of occupied housing units are owner-occupied and 21.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 43964?
The poverty rate in ZIP code 43964 is 12.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 43964's numbers, next.
- See how ZIP 43964 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Toronto, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.