The Downtown district is the largest, central district of the Hub. To the west is the Heights district, Old Town is to the east, and the Water Merchants are to the south, while the entrance is up north.
The downtown district is centered around the Merchant's Market: The central four buildings with the All-In-One Store, Hub library, Beth's Weapon Shop, and the Friendly Lending Company building. It surrounded by (from the top, counter-clockwise): Crimson Caravan office, Maltese Falcon, Irwin's place, Bob's Iguana Bits, the Hub police station, and the Far Go Traders office.
- Irwin (Independent)
- Lemmy (Underground)
- Kane (Underground)
- Sheriff Justin Greene (Hub Police)
- Demetre Romara (Crimson Caravan)
- Keri Lee (Crimson Caravan)
- Sid (Far Go Traders)
- Rutger (Far Go Traders)
- Butch Harris (Far Go Traders)
- Beth (Far Go Traders)
- Iguana Bob Frazier (Independent)
- Leone (Underground)
- Guido (Underground)
- Lorenzo Giovanni (Underground)
- Maltese Falcon bartender (Underground)
- Mitch (Independent)
- Mrs. Stapleton (Independent)
- Jain (Children of the Cathedral)
Hub Downtown appears only in Fallout.