ZIP 40037 vs ZIP 40049

This side-by-side compares ZIP 40037 (Loretto, KY) and ZIP 40049 (Nerinx, KY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 40037 has a population of 2,864 at 23 people per square mile, while ZIP 40049 has 115 at 259 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 40037 reports a median household income of $70,000 against — in ZIP 40049, with per-capita income of $36,640 vs $19,835. The share of adults holding a bachelor's degree or higher is 14.8% in 40037 and 54.6% in 40049. Poverty rate reads 10.1% vs 67.5%, and unemployment 2.6% vs 0.0% — 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 $215,000 in 40037 versus — in 40049, with median rent of $714 and — per month respectively. Homeownership rate is 90.7% vs —. 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.