Independence, Kentucky

Area Profile

29,392 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Independence, in Kenton County.

77out of 100
Area Score
Top 4% of 2,943 profiles measured

How we calculate this

How this area ranks
Data updated · 13 sources
OpportunityTop 28% of 3,899 cities measured67
SchoolsTop 20% of 2,668 cities measured75
GrowthTop 11% of 2,973 cities measured74
Housing affordabilityTop 8% of 4,147 cities measured100
Climate2,323rd of 4,223 cities measured69
Physical resilienceTop 26% of 4,182 cities measured79
AccessTop 19% of 4,226 cities measured98
Economic stabilityTop 16% of 4,226 cities measured75
The quick read

Development activity is both elevated and accelerating — 127 housing units permitted over the past twelve months, up 74% on the prior year.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 15% of median household income and the median home is 2.6 times it.

Cincinnati/Northern Kentucky Intl is 9 miles away, giving the area unusually direct access to the national air network.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
29,392
2024 ACS 5-Year
Median household income
$102,361
Top 17% nationally
Density
1,657/sq mi
17.7 sq mi of land
Median age
33.7
2024 ACS 5-Year
County
Kenton County
Kentucky
Metro area
Cincinnati, OH-KY-IN
Nearest major airport
CVG
9 mi · Cincinnati/Northern Kentucky Intl
Median home value
$263,700
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.5% is lower than 43% of the 3,904 measured US cities.

Employment fell 0.2% over the past year, to 15,898 employed residents.

36% of adults hold a four-year degree, higher than 78% of measured US cities.

MetricValueCompared nationallySource period
Median household income ±$8,284$102,361Top 17%of 29,4632024 ACS 5-Year
Per capita income ±$2,341$39,714Top 33%of 31,4202024 ACS 5-Year
Poverty rate8.8%Bottom 41%of 31,9002024 ACS 5-Year
Average commute28.7 minTop 40%of 31,5432024 ACS 5-Year
Bachelor's degree or higher36.4%Top 22%of 31,9192024 ACS 5-Year
Employment15,898Bottom 17%of 3,904June 2026
Employment change (3 years)2.7%Top 16%of 3,903June 2026
Employment change (year over year)-0.2%Top 32%of 3,904June 2026
Labor force16,639Bottom 16%of 3,904June 2026
Labor force participation72.6%Top 12%of 31,9332024 ACS 5-Year
Mean annual wage$67,370Bottom 46%of 3,6582025 OEWS
Median annual wage$50,170Bottom 44%of 3,6582025 OEWS
Unemployment change (year over year)0.5%Top 29%of 3,904June 2026
Unemployment rate4.5%Top 43%of 3,904June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/064.52.8
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 4.5% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Median household income, successive ACS releases
2021202220232024102k83k
Each point is a separate five-year estimate, most recently $102,361 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Cincinnati, OH-KY-IN
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers30,950$29,720
General and Operations Managers29,330$100,670
Retail Salespersons28,670$30,810
Registered Nurses28,520$83,650
Stockers and Order Fillers26,870$37,810
Laborers and Freight, Stock, and Material Movers, Hand22,910$40,240

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

46% of students met the state standard in mathematics and 52% in reading, across the schools here that reported results.

There are 18.1 students for every full-time teacher across 6 public schools, more than in most measured places.

Public schools
6
2024-25 school year
Students per teacher
18.1
across all schools here
Math proficiency
45.8%
Top 11% in Kentucky
Reading proficiency
51.6%
Top 16% in Kentucky
SchoolDistrictStudentsPer teacherMathReading
Simon Kenton High SchoolKenton County1,89323.7
Summit View AcademyKenton County1,32416.136%47%
Twenhofel Middle SchoolKenton County77519.442%57%
White's Tower Elementary SchoolKenton County67516.161%65%
Kenton Elementary SchoolKenton County65015.960%51%
Beechgrove Elementary SchoolKenton County64514.340%41%

42.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Kentucky’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Prices for everything a household buys run about 6% below the national average — the Bureau of Economic Analysis index reads 94.2, against 100 for the nation. Housing drives most of that difference.

A new two-bedroom lease runs about $1,542, some 23% above the $1,250 tenants already here pay — the market has moved faster than sitting tenancies have.

Median rent of $1,250 takes 15% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home at $263,700 costs 2.6 times the median household income of $102,361, close to the historic benchmark for an affordable market.

Cost of living
94.2

Prices here run about 6% below the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Rent as a share of income
14.7%
Below the 30% cost-burdened threshold
Home price to income
2.6×
median home value ÷ median income
Market rent, two bedroom
$1,542
what a new lease costs · FY2026
Median gross rent
$1,250
what tenants now pay · 2024 ACS 5-Year
Median home value
$263,700
2024 ACS 5-Year
MetricValueCompared nationallySource period
Cost of living index94.2Bottom 22%of 3,6582023
Home price to income2.58Bottom 40%of 27,9722024 ACS 5-Year
Homeownership rate83.8%Top 34%of 31,7172024 ACS 5-Year
Housing units ±34310,008Top 6%of 32,1772024 ACS 5-Year
Market rent, one bedroom$1,194Bottom 36%of 4,067FY2026
Market rent, three bedroom$2,039Bottom 43%of 4,067FY2026
Market rent, two bedroom$1,542Bottom 43%of 4,067FY2026
Median gross rent ±$120$1,250Top 30%of 23,3292024 ACS 5-Year
Median home value ±$10,671$263,700Top 33%of 29,3422024 ACS 5-Year
Rent as a share of income14.7%Bottom 23%of 22,8042024 ACS 5-Year
Vacancy rate1.9%Bottom 15%of 31,8722024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
74/ 100
Top 11% of 2,973 published city profiles
The most recent move in permitting was upward, in a series running from 2020 to 2025. That is the direction of the recent run, not a comparison of the two endpoints.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 5% since 2020, reaching 30,196 in 2024.

Permitting has turned upward after moving the other way the year before: 77 units authorized in 2025, 20% above the year before.

At 4.3 permitted units per 1,000 residents, building activity is above the median for measured US cities.

Units permitted
127
12 months ending July 2026
Per 1,000 residents
4.3
Top 34% nationally
Year over year
+74%
vs the prior twelve months
Multifamily share
22.0%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202430k29k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
2020202220232024202512364
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2020 (−37%).

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 86°F and January a low of 23°F.

Normal annual precipitation is 45.3 inches, including 23.3 inches of snow.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CINCINNATI NORTHERN KY AP, 8.9 miles from this location.
Precipitation
JFMAMJJASOND4.8"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation45.3"1991-2020 Normals
Annual snowfall23.3"1991-2020 Normals
Average January low23°F1991-2020 Normals
Average July high86°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing45°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

79 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, with tornado alone responsible for 22% of it.

TornadoElevated

Low or minimal exposure: strong wind, cold wave, lightning, heat wave, inland flooding, ice storm, earthquake, winter weather, landslide, hail, wildfire, drought, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Violent crime
49
per 100,000 residents · 2025 calendar year
Property crime
350
per 100,000 residents · 2025 calendar year

Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.

Independence's police department reported 49 violent offenses per 100,000 residents, lower than most places with a department reporting. Property crime runs at 350.

Kenton County records 2.8 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 14.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 25.7 per 100,000 residents in Kenton County.

Homicide
2.8
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
14.0
per 100,000 residents · under 10 deaths
Drug overdose
25.7
per 100,000 residents · under 10 deaths
Suicide
17.5
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Offenses are reported to the FBI by Independence’s own police department, for the population it serves, and are shown only where it reported every month of the year — a partial year is withheld rather than scaled up. Reported crime counts what was reported to and recorded by police, which is not the same as what happened, and a place that draws a large daytime workforce carries incidents its residents did not generate. Age-adjusted rates from provisional death certificate records, published by the CDC for Kenton County as a whole — these rates are not published below county level. A county can hold both a dense city center and a quiet suburb whose experience of it is nothing alike, so this describes the county around Independence rather than Independence itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Some things people look for are not on this page, and each is absent for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Taxes
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighborhood all vary within the places measured here.

Access

4 major airports lie within 100 miles, the nearest Cincinnati/Northern Kentucky Intl at 9 miles.

AirportCodeDistanceLongest runway
Cincinnati/Northern Kentucky IntlCVG9 mi10,000 ft
Wilmington Air ParkILN52 mi10,701 ft
James M Cox Dayton IntlDAY68 mi8,502 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
77
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Other cities in Cincinnati, OH-KY-IN

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
CincinnatiHamilton County311,22465vs Independence
HamiltonButler County63,46864vs Independence
MiddletownButler County51,61766vs Independence
FairfieldButler County44,82865vs Independence
CovingtonKenton County41,11066vs Independence
MasonWarren County35,50982vs Independence
FlorenceBoone County32,803vs Independence
OxfordButler County21,75359vs Independence
LebanonWarren County21,50177vs Independence
Forest ParkHamilton County20,02570vs Independence
SpringboroWarren County19,98083vs Independence
ErlangerKenton County19,87567vs Independence

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
SafetyFederal Bureau of Investigation, Crime Data Explorer
Summarized offense counts by law enforcement agency
2025 calendar yearAnnually, with monthly revisions
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023Annually, each December
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April 2025 to March 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026Annually, each October for the coming fiscal year

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Independence

1 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
4105133,054$104,20178