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Cincinnati is a city in Hamilton County, Ohio, and its county seat. Settled in 1788, the city is located on the northern side of the confluence of the Licking and Ohio rivers, the latter of which marks the state line with Kentucky. The third-most populous city in Ohio with a population of 309,317 at the 2020 census, Cincinnati serves as the economic and cultural hub of the tri-state Cincinnati metropolitan area, Ohio's most populous metropolitan area and the nation's 30th-largest at over 2.3 million residents. Greater Cincinnati has the 28th-largest economy in the U.S. and the fifth-largest in the Midwest, home to Fortune 500 companies Kroger, Procter & Gamble, Western & Southern, Fifth Third Bank, Cintas and American Financial Group. The Kroger Company employs over 20,000 people locally, making it the largest employer in the city; the four next largest employers are Cincinnati Children's Hospital, TriHealth, the University of Cincinnati, and St. Elizabeth Healthcare. Cincinnati is home to a branch office of the Federal Reserve Bank of Cleveland. Institutions of higher education in Cincinnati include Xavier University and the University of Cincinnati, which is among the largest universities in the nation by enrollment. The city's major league professional sports teams include the Cincinnati Bengals (NFL), Cincinnati Reds (MLB) and FC Cincinnati (MLS). Metropolitan Cincinnati has the twenty-eighth largest economy in the United States and the fifth largest in the Midwest, after Chicago (3rd), Minneapolis–St. Paul (15th), Detroit (16th), and St. Louis (24th). In 2016, it had the fastest-growing Midwestern economic capital. The gross domestic product for the region was $127 billion in 2015. The median home price is $158,200, and the cost of living in Cincinnati is 8% below the national average..