ZIP 40020 vs ZIP 40013

This side-by-side compares ZIP 40020 (Fairfield, KY) and ZIP 40013 (Coxs Creek, KY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 40020 has a population of 109 at 89 people per square mile, while ZIP 40013 has 5,369 at 26 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 40020 reports a median household income of $90,712 against $100,226 in ZIP 40013, with per-capita income of $31,321 vs $38,816. The share of adults holding a bachelor's degree or higher is 13.0% in 40020 and 29.0% in 40013. Poverty rate reads 2.0% vs 9.5%, and unemployment 2.9% vs 5.3% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at — in 40020 versus $265,300 in 40013, with median rent of — and $722 per month respectively. Homeownership rate is 97.5% vs 93.7%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.