Harvard Terrace, Toledo, OH demographics:
population, income, and more

Total population
3,076
2.9% year-over-year change
Median household income
$50,637/yr
1.5% year-over-year change
Housing units
1,504
0.5% year-over-year change

Harvard Terrace population

How many people live in Harvard Terrace

Harvard Terrace is home to 3,076 residents, according to the most recent Census data. Gender-wise, 49.6% of Harvard Terrace locals are male, and 50.4% are female.

Total population
3,076
2.9% year-over-year change
Gender ratio
Male
49.6%
1,527
Female
50.4%
1,549
Value Percent YoY change
Male 1,527 49.6% 0.2%
Female 1,549 50.4% 5.7%
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 Harvard Terrace is 37, with the population distributed as follows: about 21.3% are children under 15, then 12.4% are in the 15 to 24 age group. Adults between 25 and 44 make up 27.9% of the population, while another 23% fall into the 45 to 64 bracket. Finally, around 15.4% are 65 or older.

Median age
37
Age breakdown
Under 15
21.3%
15 to 24
12.4%
25 to 44
27.9%
45 to 64
23%
Over 65
15.4%
Value Percent YoY change
Under 15 655 21.3% 7.0%
15 to 24 381 12.4% 20.2%
25 to 44 858 27.9% -0.3%
45 to 64 708 23% -3.5%
Over 65 474 15.4% 1.5%
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 Harvard Terrace, 95.1% of the population are US-born citizens, while 2.2% have gained naturalized citizenship. At the same time, 2.7% of residents are non-citizens. As for race, 54% of locals are Caucasian, 26.6% are African American and 1.1% have Asian roots. Another 0.3% are Indigenous American, 0.2% are Pacific Islanders, while 7.1% identify as another race. There’s also a share of 10.8% that includes residents with two or more races.

Citizenship
U.S.-born citizens
95.1%
Non-U.S.-born citizens
2.2%
Non-citizens
2.7%
Value Percent YoY change
U.S.-born citizens 2,924 95.1% 2.5%
Non-U.S.-born citizens 67 2.2% -11.8%
Non-citizens 84 2.7% 33.3%
Racial breakdown
White
54%
Black or African American
26.6%
American Indian and Alaska Native
0.3%
Asian
1.1%
Native Hawaiian and other Pacific Islander
0.2%
Two or more races
10.8%
Other
7.1%
Value Percent
White 1,660 54%
Black or African American 820 26.6%
American Indian and Alaska Native 9 0.3%
Asian 33 1.1%
Native Hawaiian and other Pacific Islander 5 0.2%
Two or more races 331 10.8%
Other 219 7.1%

Households in Harvard Terrace

A peek inside Harvard Terrace households

Harvard Terrace has 1,355 households, with an average of 2 members in each. Of these, 53.3% are families, while the remaining 46.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,355
1.3% year-over-year change
Average people per household
2
Non-family households
633
Family households
722
Value Percent YoY change
Non-family households 633 46.7% -3.1%
Family households 722 53.3% 5.4%
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 Harvard Terrace

The housing landscape of Harvard Terrace

Harvard Terrace's housing consists of 1,504 units, with 67.7% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.3% and offer a more compact, shared living style.

Housing units
1,504
0.5% year-over-year change
Housing types
Value Percent
1 unit, detached 1,018 67.7%
1 unit, attached 65 4.3%
2 units 84 5.6%
3 or 4 units 69 4.6%
5 to 9 units 52 3.5%
10 to 19 units 134 8.9%
20 to 49 units 23 1.5%
50 or more units 58 3.9%
Boat, RV, van, etc. 1 0.1%
Homes built since 2020
3
200.0% year-over-year change

The age of buildings in Harvard Terrace

In Harvard Terrace, the median construction year is 1953. About 37.3% of homes were built before the 1940s, with another 8.5% going up by 1949. Most development happened in the second half of the 20th century. Then, 1.5% of homes were added from 2000 to 2009, 2.8% between 2010 and 2019, and 0.2% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 562 37.3% -2.3%
Built between 1940 and 1949 128 8.5% -21.5%
Built between 1950 and 1959 248 16.5% 0.4%
Built between 1960 and 1969 154 10.2% 8.4%
Built between 1970 and 1979 193 12.8% 11.6%
Built between 1980 and 1989 73 4.8% 19.7%
Built between 1990 and 1999 79 5.2% 19.7%
Built between 2000 and 2009 23 1.5% 9.5%
Built between 2010 and 2019 42 2.8% -12.5%
Built in 2020 or later 3 0.2% 200.0%
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.

Harvard Terrace occupancy rates

Out of the 1,355 occupied housing units in Harvard Terrace, 48.8% are owner-occupied, while 51.2% are lived in by tenants. Meanwhile, 9.9% of all homes on the local market sit vacant.

Occupied housing units
1,355
1.3% year-over-year change
Occupancy breakdown
Renter occupied
694
Owner occupied
661
Value Percent YoY
change
Renter occupied 694 51.2% 0.4%
Owner occupied 661 48.8% 2.2%
Unoccupied housing units
9.9%
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.

Harvard Terrace housing costs

Housing costs in Harvard Terrace come to a median of $853 per month, while tenants specifically pay a median gross rent of $882.

Median housing costs per month
$853/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 Harvard Terrace
$882/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 Harvard Terrace

Harvard Terrace education at a glance

About 48.5% of the population in Harvard Terrace went to high school, while 19.7% pursued college studies. Another 10.5% earned an associate degree and 12.4% hold a bachelor’s. Meanwhile, 4.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 102 4.4% 13.3%
High school diploma 1,114 48.5% 1.2%
College diploma 453 19.7% -5.0%
Associate degree 241 10.5% 1.7%
Bachelor's degree 285 12.4% 7.5%
Graduate degree 100 4.4% -5.7%
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 Harvard Terrace

How much people earn in Harvard Terrace

The average annual household income in Harvard Terrace was $58,327 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.1% change from the previous year. At the same time, the median income stood at $50,637, reflecting a +1.5% shift over the same period.

Average household income in Harvard Terrace
$58,327/year
3.1% year-over-year change
Median household income in Harvard Terrace
$50,637/year
1.5% year-over-year change

Harvard Terrace income by age

In Harvard Terrace, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $52,904. Those with someone between 45 and 64 in charge, often well established professionally, earn $60,296 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $32,917, while those led by someone over 65, many of whom may be retired, have about $41,686 in earnings. Overall, 75% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $32,917 -7.9%
25 - 44 $52,904 4.4%
45 - 64 $60,296 0.9%
Over 65 $41,686 0.7%
Above poverty level
2,253
Below poverty level
749
Value Percent YoY
change
Above poverty level 2,253 75% 3.9%
Below poverty level 749 25% 0.3%

Employment in Harvard Terrace

Workforce and job types in Harvard Terrace

69.1% of the working population are employed in professional or administrative positions, while 30.9% are in hands-on or service-based jobs. Also, 6.4% run their own businesses, 73.8% are employed by private companies, and 8.4% work in the public sector.

Workforce demographics

White collar
953
Blue collar
427
Value Percent YoY change
White collar 953 69.1% 3.6%
Blue collar 427 30.9% -2.1%
Employer type
Self employees
6.4%
Private companies
73.8%
Governmental workers
8.4%
Not for profit companies
11.4%
Value Percent YoY change
Self employees 89 6.4% -15.2%
Private companies 1,018 73.8% 2.2%
Governmental workers 116 8.4% 5.5%
Not for profit companies 157 11.4% 7.5%

Transportation in Harvard Terrace

How people get around in Harvard Terrace

In Harvard Terrace, the average commute time is 3 minutes. Commuting methods vary: 96.4% of residents travel by personal vehicle and 1.5% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
3 min
0.0% year-over-year change
Means of transportation
Value Percent YoY change
Car 1,214 96.4% 2.0%
Taxicab 6 0.5% 20.0%
Bus or trolleybus 19 1.5% -20.8%
Bicycle 2 0.2% 100.0%
Walk 19 1.5% -13.6%
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 Harvard Terrace by zipcode?

Zipcode Population Number of households Median income Average income
43609 21,404 9,059 $42,313 $51,374
43614 29,075 14,134 $58,961 $74,956

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FAQs about Harvard Terrace demographics 

What is the total population of Harvard Terrace?

Harvard Terrace has a total population of 3,076 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 +2.9% compared to a year ago.

What is the gender ratio in Harvard Terrace?

The gender ratio in Harvard Terrace is as follows:
  • 49.6% males (1,527 residents)
  • 50.4% females (1,549 residents)

What is the median age in Harvard Terrace?

The median age in Harvard Terrace is 37.

What is the age distribution of the population in Harvard Terrace?

The age distribution in Harvard Terrace is as follows:
  • Under 15: 21.3% (655 residents)
  • Ages 15-24: 12.4% (381 residents)
  • Ages 25-44: 27.9% (858 residents)
  • Ages 45-64: 23% (708 residents)
  • Over 65: 15.4% (474 residents)

What is the racial and ethnic makeup of Harvard Terrace?

The racial and ethnic makeup of Harvard Terrace is as follows:
  • White: 54% (1,660 residents)
  • Black or African American: 26.6% (820 residents)
  • American Indian and Alaska Native: 0.3% (9 residents)
  • Asian: 1.1% (33 residents)
  • Native Hawaiian and Other Pacific Islander: 0.2% (5 residents)
  • Two or More Races: 10.8% (331 residents)
  • Other: 7.1% (219 residents)

What percentage of the population in Harvard Terrace are U.S.-born citizens?

U.S.-born citizens represent 95.1% of the population in Harvard Terrace.

How many housing units are there in Harvard Terrace?

There are 1,504 housing units in Harvard Terrace, reflecting a +0.5% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Harvard Terrace and what is the average household size?

Harvard Terrace has a total of 1,355 households, with an average of 2 people in each.

What is the median household income in Harvard Terrace?

Harvard Terrace has a median household income of $50,637, representing a +1.5% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Harvard Terrace?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 69.1% (953 residents)
  • Blue-collar workers: 30.9% (427 residents)

Places of employment:
  • Self-employed: 6.4% (89 residents)
  • Private companies: 73.8% (1,018 residents)
  • Governmental workers: 8.4% (116 residents)
  • Not-for-profit companies: 11.4% (157 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