ZIP Code 45174 — Terrace Park village, OH Demographics & Data

ZIP code 45174 covers Terrace Park, OH in Hamilton County with a population of about 2,294.

At a glance, the area shows median age of 38.5 (near the U.S. median).

It sits in telephone area codes 283, 513; U.S. House district OH-1; the CINCINNATI media market.

Terrace Park, OH aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 45174 is about $205,795 — about 174% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.0%; unemployment rate near 3.5%; 85.8% of adults with a bachelor’s degree or higher (about 52.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Manufacturing; about 30.1% of workers reporting work-from-home (about 14.9 points above 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 $581,000 — about 67% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,521 (about 117% above the U.S. median rent ($1,163)), and owner-occupancy near 95.6% (about 30.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45174 in Terrace Park, OH, a household would need roughly $160,000 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 $3,732. That sits below the local median household income ($205,795), 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 Terrace Park village, OH as Relatively High (composite score 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (96.9) and wildfire (47.3). 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 Terrace Park village, OH show little to no average snow.

IRS migration statistics show a net inflow of about 97 for ZIP 45174 (Terrace Park village, 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.