ZIP 40049 vs ZIP 40037

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