Fort Thomas, KY demographics:
population, income, and more

Total population
17,169
-0.4% year-over-year change
Median household income
$104,350/yr
3.5% year-over-year change
Housing units
6,764
0.3% year-over-year change

Fort Thomas population

How many people live in Fort Thomas

Fort Thomas is home to 17,169 residents, according to the most recent Census data. Gender-wise, 49.7% of Fort Thomas locals are male, and 50.3% are female.

Total population
17,169
-0.4% year-over-year change
Gender ratio
Male
49.7%
8,530
Female
50.3%
8,639
Value Percent YoY change
Male 8,530 49.7% -1.4%
Female 8,639 50.3% 0.6%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Fort Thomas is 39, with the population distributed as follows: about 21.5% are children under 15, then 9.8% are in the 15 to 24 age group. Adults between 25 and 44 make up 25.1% of the population, while another 26.4% fall into the 45 to 64 bracket. Finally, around 17.1% are 65 or older.

Median age
38.8
Age breakdown
Under 15
21.5%
15 to 24
9.8%
25 to 44
25.1%
45 to 64
26.4%
Over 65
17.1%
Value Percent YoY change
Under 15 3,692 21.5% -6.3%
15 to 24 1,692 9.8% -1.7%
25 to 44 4,306 25.1% 0.5%
45 to 64 4,541 26.4% 0.4%
Over 65 2,938 17.1% 5.9%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Fort Thomas, 97% of the population are US-born citizens, while 1.6% have gained naturalized citizenship. At the same time, 1.5% of residents are non-citizens. As for race, 89.2% of locals are Caucasian, 2.3% are African American and 0.7% have Asian roots. There’s also a share of 6% that includes residents with two or more races.

Citizenship
U.S.-born citizens
97%
Non-U.S.-born citizens
1.6%
Non-citizens
1.5%
Value Percent YoY change
U.S.-born citizens 16,653 97% -0.1%
Non-U.S.-born citizens 266 1.6% -24.9%
Non-citizens 250 1.5% 17.4%
Racial breakdown
White
89.2%
Black or African American
2.3%
American Indian and Alaska Native
0%
Asian
0.7%
Native Hawaiian and other Pacific Islander
0%
Two or more races
6%
Other
1.8%
Value Percent
White 15,315 89.2%
Black or African American 397 2.3%
Asian 125 0.7%
Two or more races 1,028 6%
Other 304 1.8%

Households in Fort Thomas

A peek inside Fort Thomas households

Fort Thomas has 6,568 households, with an average of 3 members in each. Of these, 67.8% are families, while the remaining 32.2% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
6,568
-0.4% year-over-year change
Average people per household
3
Non-family households
2,112
Family households
4,456
Value Percent YoY change
Non-family households 2,112 32.2% -2.6%
Family households 4,456 67.8% 0.8%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Fort Thomas

The housing landscape of Fort Thomas

Fort Thomas's housing consists of 6,764 units, with 68.8% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 2.6% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.1% of the housing landscape.

Housing units
6,764
0.3% year-over-year change
Housing types
Value Percent
1 unit, detached 4,652 68.8%
1 unit, attached 179 2.6%
2 units 310 4.6%
3 or 4 units 399 5.9%
5 to 9 units 503 7.4%
10 to 19 units 533 7.9%
20 to 49 units 61 0.9%
50 or more units 123 1.8%
Mobile home 4 0.1%
Homes built since 2020
6
20.0% year-over-year change

The age of buildings in Fort Thomas

In Fort Thomas, the median construction year is 1955. About 32.1% of homes were built before the 1940s, with another 9.2% going up by 1949. Most development happened in the second half of the 20th century. Then, 5.2% of homes were added from 2000 to 2009, 3.3% between 2010 and 2019, and 0.1% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 2,169 32.1% 5.1%
Built between 1940 and 1949 622 9.2% 1.8%
Built between 1950 and 1959 1,231 18.2% -7.2%
Built between 1960 and 1969 536 7.9% -6.3%
Built between 1970 and 1979 794 11.7% 11.4%
Built between 1980 and 1989 363 5.4% 6.8%
Built between 1990 and 1999 470 7% -12.5%
Built between 2000 and 2009 352 5.2% -12.0%
Built between 2010 and 2019 221 3.3% 24.2%
Built in 2020 or later 6 0.1% 20.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Fort Thomas occupancy rates

Out of the 6,568 occupied housing units in Fort Thomas, 71.2% are owner-occupied, while 28.8% are lived in by tenants. Meanwhile, 2.9% of all homes on the local market sit vacant.

Occupied housing units
6,568
-0.4% year-over-year change
Occupancy breakdown
Renter occupied
1,892
Owner occupied
4,676
Value Percent YoY
change
Renter occupied 1,892 28.8% -3.6%
Owner occupied 4,676 71.2% 1.0%
Unoccupied housing units
2.9%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Fort Thomas housing costs

Housing costs in Fort Thomas come to a median of $1,334 per month, while tenants specifically pay a median gross rent of $1,126.

Median housing costs per month
$1,334/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Fort Thomas
$1,126/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Fort Thomas

Fort Thomas education at a glance

About 19.4% of the population in Fort Thomas went to high school, while 16.9% pursued college studies. Another 8.9% earned an associate degree and 31.3% hold a bachelor’s. Meanwhile, 22.2% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 166 1.3% 14.5%
High school diploma 2,481 19.4% 0.1%
College diploma 2,166 16.9% 2.9%
Associate degree 1,136 8.9% 3.7%
Bachelor's degree 4,008 31.3% 1.4%
Graduate degree 2,846 22.2% 3.5%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Fort Thomas

How much people earn in Fort Thomas

The average annual household income in Fort Thomas was $139,208 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.5% change from the previous year. At the same time, the median income stood at $104,350, reflecting a +3.5% shift over the same period.

Average household income in Fort Thomas
$139,208/year
3.5% year-over-year change
Median household income in Fort Thomas
$104,350/year
3.5% year-over-year change

Fort Thomas income by age

In Fort Thomas, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $117,431. Those with someone between 45 and 64 in charge, often well established professionally, earn $119,625 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $36,039, while those led by someone over 65, many of whom may be retired, have about $82,545 in earnings. Overall, 93.8% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $36,039 N/A
25 - 44 $117,431 9.8%
45 - 64 $119,625 0.7%
Over 65 $82,545 7.4%
Above poverty level
15,737
Below poverty level
1,041
Value Percent YoY
change
Above poverty level 15,737 93.8% -1.2%
Below poverty level 1,041 6.2% 26.6%

Average renter income in Fort Thomas

To get a better sense of what renters earn on average in Fort Thomas, their median household income was $46,061 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 29.3%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$46,061
Rent-to-income ratio
29.3%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Fort Thomas

Workforce and job types in Fort Thomas

The job market in Fort Thomas is powered by 8,794 working residents, spread across a range of industries and roles. 89% of the working population are employed in professional or administrative positions, while 11% are in hands-on or service-based jobs. Also, 9.2% run their own businesses, 65.4% are employed by private companies, and 11.9% work in the public sector.

Workforce demographics

Working population
8,794
1.2% year-over-year change
White collar
7,831
Blue collar
963
Value Percent YoY change
White collar 7,831 89% 1.6%
Blue collar 963 11% -1.6%
Employer type
Self employees
9.2%
Private companies
65.4%
Governmental workers
11.9%
Not for profit companies
13.5%
Value Percent YoY change
Self employees 811 9.2% -9.5%
Private companies 5,747 65.4% 6.2%
Governmental workers 1,049 11.9% -5.6%
Not for profit companies 1,187 13.5% -6.5%
Unemployment rate
3.5%
4.6% year-over-year change

Available workforce

The unemployment rate in Fort Thomas stands at 3.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Fort Thomas

How people get around in Fort Thomas

In Fort Thomas, the average commute time is 21 minutes. Commuting methods vary: 79.3% of residents travel by personal vehicle and 1.1% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
21 min
2.9% year-over-year change
Means of transportation
Value Percent YoY change
Car 6,893 79.3% -1.9%
Bus or trolleybus 75 0.9% -24.2%
Bicycle 18 0.2% -10.0%
Walk 99 1.1% -19.5%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Fort Thomas by zipcode?

Zipcode Population Number of households Median income Average income
41075 17,240 6,557 $104,875 $139,129

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FAQs about Fort Thomas demographics 

What is the total population of Fort Thomas?

Fort Thomas has a total population of 17,169 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -0.4% compared to a year ago.

What is the gender ratio in Fort Thomas?

The gender ratio in Fort Thomas is as follows:
  • 49.7% males (8,530 residents)
  • 50.3% females (8,639 residents)

What is the median age in Fort Thomas?

The median age in Fort Thomas is 38.8.

What is the age distribution of the population in Fort Thomas?

The age distribution in Fort Thomas is as follows:
  • Under 15: 21.5% (3,692 residents)
  • Ages 15-24: 9.8% (1,692 residents)
  • Ages 25-44: 25.1% (4,306 residents)
  • Ages 45-64: 26.4% (4,541 residents)
  • Over 65: 17.1% (2,938 residents)

What is the racial and ethnic makeup of Fort Thomas?

The racial and ethnic makeup of Fort Thomas is as follows:
  • White: 89.2% (15,315 residents)
  • Black or African American: 2.3% (397 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0.7% (125 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 6% (1,028 residents)
  • Other: 1.8% (304 residents)

What percentage of the population in Fort Thomas are U.S.-born citizens?

U.S.-born citizens represent 97% of the population in Fort Thomas.

How many housing units are there in Fort Thomas?

There are 6,764 housing units in Fort Thomas, reflecting a +0.3% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Fort Thomas and what is the average household size?

Fort Thomas has a total of 6,568 households, with an average of 3 people in each.

What is the median household income in Fort Thomas?

Fort Thomas has a median household income of $104,350, representing a +3.5% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Fort Thomas?

The employment rate is 96.5% in Fort Thomas, with a workforce of 8,794 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 89% (7,831 residents)
  • Blue-collar workers: 11% (963 residents)

Places of employment:
  • Self-employed: 9.2% (811 residents)
  • Private companies: 65.4% (5,747 residents)
  • Governmental workers: 11.9% (1,049 residents)
  • Not-for-profit companies: 13.5% (1,187 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025