PlainZIP

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
$60,365
Median income
$132,800
Median home value
16.5%
Bachelor's or higher

The verdict

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
21th 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.

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 Ohio average), while per-capita income is $32,442. 12.2% of residents live below the poverty line, and the unemployment rate reads 2.2%. Housing costs here run $132,800 for a typical home value (33% below the state average), with rent averaging $772 a month; 78.2% of homes are owner-occupied.

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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Jefferson County, letting you compare 43964 to its immediate surroundings rather than a national baseline alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 43964?

49.2

Median Age

49.1%

Male

50.9%

Female

0.9%

Foreign-Born

White 94.0%
African American 1.4%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.7%
Hispanic or Latino 0.6%

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

$32,442

Per Capita Income

12.2%

Poverty Rate

2.2%

Unemployment Rate

22.8 min

Mean Commute Time

How ZIP 43964 ranks nationally

Toronto, OH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$60,365 30th percentile higher than 30% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 59.7%
Bachelor's Degree or Higher 16.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

4,521

Total Housing Units

4,096

Occupied Units

425

Vacant Units

2.18

Avg Household Size

Occupancy Type

Owner 78.2%
Renter 21.8%

$132,800

Median Home Value

-33% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 43964 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 43964 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Jefferson County

43952 standard
Steubenville, OH
Pop: 19,050
43953 standard
Steubenville, OH
Pop: 11,553
43938 standard
Mingo Junction, OH
Pop: 5,794
43910 standard
Bloomingdale, OH
Pop: 3,631
43943 standard
Rayland, OH
Pop: 3,472
43917 standard
Dillonvale, OH
Pop: 3,136

Related Areas

Jefferson County Toronto, OH Ohio

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.

Read our methodology to see how this data is sourced, computed, and verified.