PlainZIP

Terrace Park, OH · standard

ZIP Code 45174

Hamilton County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,258
709/sq mi
$193,750
Median income
$603,800
Median home value
85.2%
Bachelor's or higher

The verdict

Terrace Park pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 1%
household income, US ZIPs
Top 9%
home value, US ZIPs
709
people per sq mi
97%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45174 against every reporting US ZIP.

ZIP code 45174 covers 3.2 square miles in Terrace Park, Hamilton County, Ohio (a standard USPS delivery area), with a modest 2,258 residents on file, a density of 709 people per square mile, in the New York time zone.

ZIP 45174 skews affluent, with a median household income of $193,750 (165% above the Ohio average), while per-capita income is $87,039. The poverty rate stands at 2.1% and the unemployment rate at 3.8%. Median home value sits at $603,800 (206% above the state average), median rent at $3,125 a month, and owner-occupancy at 96.6%.

This is a highly-educated ZIP: 85.2% of adults hold a bachelor's degree or higher, the median age is 37.9, and the average commute is 25 minutes. To put 45174 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Hamilton County, for a geography-aware comparison.

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 45174

Top 5 sectors by establishment count in Terrace Park, OH

Which industries have the most business establishments in ZIP 45174.

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 45174, Terrace Park, 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

2,258

Population

3.2

Area (sq mi)

709

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 45174?

37.9

Median Age

50.9%

Male

49.1%

Female

2.0%

Foreign-Born

White 89.4%
African American 0.0%
Asian 0.4%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.1%
Hispanic or Latino 5.4%

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?

$193,750

Median Household Income

+165% vs state

$87,039

Per Capita Income

2.1%

Poverty Rate

3.8%

Unemployment Rate

25.0 min

Mean Commute Time

How ZIP 45174 ranks nationally

Terrace Park, OH household income vs. every US ZIP code

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

$193,750 Top 1% higher than 99% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). This entry sits in this band. $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 89.2%
Bachelor's Degree or Higher 85.2%

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

What does housing look like?

779

Total Housing Units

745

Occupied Units

34

Vacant Units

3.12

Avg Household Size

Occupancy Type

Owner 96.6%
Renter 3.4%

$603,800

Median Home Value

+206% vs state

$3,125

Median Rent

1954

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

+2.6%

YoY Change (2024)

252

HPI Index (2000 = 100)

+152%

Total Change Since 2000

Home values in ZIP 45174 have increased 2.6% over the past year (2024). Since 2000, this ZIP has seen +152% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.7% 167
2021 +9.8% 183
2022 +8.8% 199
2023 +23.4% 246
2024 +2.6% 252

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 54 business establishments in ZIP 45174, employing approximately 172 people with a combined annual payroll of $11,591,000.

54

Businesses

172

Employees

$11.6M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 10 18.5%
Administrative and support and waste management and remediation services 7 13.0%
Wholesale trade 6 11.1%
Construction 5 9.3%
Finance and insurance 5 9.3%
Retail trade 4 7.4%
Real estate and rental and leasing 4 7.4%
Health care and social assistance 4 7.4%
Arts, entertainment, and recreation 3 5.6%

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 45174 vs 45244 →

ZIP 45174 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 45174 ranks #9 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 45174 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 45174 ranks the highest 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
45244 Cincinnati, OH 28,565 2.8 mi
45243 Cincinnati, OH 14,891 2.4 mi
45111 Camp Dennison, OH 376 2.8 mi
45147 Miamiville, OH 147 3.5 mi
45227 Cincinnati, OH 17,486 4.0 mi
45150 Milford, OH 31,394 4.2 mi
45255 Cincinnati, OH 21,775 7.0 mi
45209 Cincinnati, OH 9,605 6.2 mi
45242 Cincinnati, OH 22,055 6.3 mi
45245 Cincinnati, OH 18,542 6.9 mi

More ZIP Codes in Hamilton County

45238 standard
Cincinnati, OH
Pop: 45,760
45231 standard
Cincinnati, OH
Pop: 40,893
45211 standard
Cincinnati, OH
Pop: 36,111
45215 standard
Cincinnati, OH
Pop: 29,623
45244 standard
Cincinnati, OH
Pop: 28,565
45239 standard
Cincinnati, OH
Pop: 28,315

Related Areas

Hamilton County Terrace Park, OH Ohio

Frequently Asked Questions

What county is ZIP code 45174 in? ▼
ZIP code 45174 (Terrace Park) is located in Hamilton County, Ohio. Hamilton County contains multiple ZIP codes, see the full list at /counties/hamilton-oh.
What is the population of ZIP code 45174? ▼
ZIP code 45174 in Terrace Park, OH has a population of 2,258 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45174? ▼
The median household income in ZIP 45174 is $193,750, which is 154% above the national average of $76,288.
What is the average home value in ZIP 45174? ▼
The median home value in ZIP 45174 is $603,800, which is 117% above the national average of $278,155.
What is the demographic makeup of ZIP 45174? ▼
The largest racial group in ZIP 45174 is White at 89.4%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 45174? ▼
ZIP code 45174 has 54 business establishments employing approximately 172 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45174? ▼
The top industries by establishment count in ZIP 45174 are: Professional, scientific, and technical services (10), Administrative and support and waste management and remediation services (7), Wholesale trade (6). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 45174? ▼
According to the FHFA House Price Index, home values in ZIP 45174 increased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 152%. 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 45174? ▼
In ZIP code 45174, 89.2% of residents aged 25+ have a high school diploma or higher, and 85.2% 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 45174? ▼
The mean commute time for workers in ZIP code 45174 is 25.0 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 45174? ▼
In ZIP code 45174, approximately 96.6% of occupied housing units are owner-occupied and 3.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45174? ▼
The poverty rate in ZIP code 45174 is 2.1% 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.