Louisville, KY · standard
ZIP Code 40203
Jefferson County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 19,694
- 2,586/sq mi High-density area
- $30,794
- Median income Below-median income area
- $197,300
- Median home value Near-median home value
- 22.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Louisville pairs one of the lowest household incomes in the country with below-median home values, in a suburban-density, renter-heavy area.
- 2nd pct
- household income, US ZIPs
- 43rd pct
- home value, US ZIPs
- 2,586
- people per sq mi
- 25%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40203 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 40203 (Louisville, KY) rose +1.8% from 2023 to 2024. The all-transactions index moved from 290.6 in 2023 to 295.7 in 2024 (2000 = 100).
ZIP code 40203 is a mid-sized community (a standard USPS delivery area) in Louisville, Jefferson County, Kentucky, home to 19,694 residents across 7.6 square miles, a density of 2,586 people per square mile, in the Kentucky/Louisville time zone.
ZIP 40203 sits on the lower end of the income spectrum: median household income is $30,794 (48% below the average Kentucky ZIP), while per-capita income is $23,941. Economic pressure is pronounced: 43.3% of residents are below the poverty line and unemployment is 11.8%. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $197,300 (24% above the average Kentucky ZIP), with only 24.9% owner-occupied homes and median rent of $809.
Educational attainment sits below the national norm: 22.5% of adults hold a bachelor's degree or higher, the median age is 32.8, and the average commute is 19 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Jefferson County, so 40203 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 40203
Top 5 sectors by establishment count in Louisville, KY
Which industries have the most business establishments in ZIP 40203.
- Health care and social assistance
Health care and social assistance
84 establishments
- Other services (except public administration)
Other services (except public administration)
82 establishments
- Retail trade
Retail trade
59 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
53 establishments
- Construction
Construction
36 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 40203, Louisville, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
19,694
Population
7.6
Area (sq mi)
2,586
People / sq mi
Kentucky/Louisville
Time Zone
standard
ZIP Type
Who lives in ZIP 40203?
32.8
Median Age
47.6%
Male
52.4%
Female
2.9%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$30,794
Median Household Income
-48% vs state ZIP avg
$23,941
Per Capita Income
43.3%
Poverty Rate
11.8%
Unemployment Rate
19.1 min
Mean Commute Time
How ZIP 40203 ranks among Kentucky ZIPs
Louisville, KY household income vs. every Kentucky ZIP code
Median household income among 646 reporting Kentucky ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$30,794 7th percentile higher than 7% of 646 Kentucky ZIPs
Each bar is a $20K-wide band; taller bars hold more Kentucky ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
10,481housing units
10,481
Total Housing Units
8,911
Occupied Units
1,570
Vacant Units
1.86
Avg Household Size
Occupancy Type
$197,300
Median Home Value
+24% vs state ZIP avg
$809
Median Rent
1955
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+1.8%
YoY Change (2024)
296
HPI Index (2000 = 100)
+196%
Total Change Since 2000
Home values in ZIP 40203 have increased 1.8% over the past year (2024). Since 2000, this ZIP has seen +196% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.5% | 223 |
| 2021 | +11.9% | 250 |
| 2022 | +12.5% | 281 |
| 2023 | +3.5% | 291 |
| 2024 | +1.8% | 296 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 522 business establishments in ZIP 40203, employing approximately 8,514 people with a combined annual payroll of $431,402,000.
522
Businesses
8,514
Employees
$431.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 84 | 16.1% |
| Other services (except public administration) | 82 | 15.7% |
| Retail trade | 59 | 11.3% |
| Professional, scientific, and technical services | 53 | 10.2% |
| Construction | 36 | 6.9% |
| Wholesale trade | 35 | 6.7% |
| Manufacturing | 31 | 5.9% |
| Accommodation and food services | 29 | 5.6% |
| Real estate and rental and leasing | 28 | 5.4% |
| Administrative and support and waste management and remediation services | 25 | 4.8% |
| Finance and insurance | 19 | 3.6% |
| Information | 16 | 3.1% |
| Transportation and warehousing | 8 | 1.5% |
| Arts, entertainment, and recreation | 7 | 1.3% |
| Educational services | 5 | 1.0% |
| Management of companies and enterprises | 3 | 0.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 40203 vs 40202 →
ZIP 40203 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40211
Louisville (40211)
22,612 residents
- 40203
Louisville (40203)
19,694 residents
- 47129
Clarksville (47129)
19,527 residents
- 40206
Louisville (40206)
18,865 residents
- 40212
Louisville (40212)
17,685 residents
- 40210
Louisville (40210)
14,822 residents
- 40204
Louisville (40204)
14,236 residents
- 40208
Louisville (40208)
13,227 residents
- 40217
Louisville (40217)
12,507 residents
What this shows Among its immediate neighbors, ZIP 40203 ranks #2 by population - useful context the national average alone can't give.
ZIP 40203 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40206
Louisville (40206)
$75,798 median income
- 40204
Louisville (40204)
$71,116 median income
- 40217
Louisville (40217)
$69,114 median income
- 47129
Clarksville (47129)
$56,185 median income
- 40208
Louisville (40208)
$39,560 median income
- 40212
Louisville (40212)
$35,753 median income
- 40202
Louisville (40202)
$35,584 median income
- 40210
Louisville (40210)
$35,347 median income
- 40211
Louisville (40211)
$31,749 median income
What this shows By household income, ZIP 40203 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 40202 | Louisville, KY | 6,772 | 0.9 mi |
| 40208 | Louisville, KY | 13,227 | 2.0 mi |
| 40210 | Louisville, KY | 14,822 | 1.6 mi |
| 40204 | Louisville, KY | 14,236 | 2.5 mi |
| 40212 | Louisville, KY | 17,685 | 2.5 mi |
| 40217 | Louisville, KY | 12,507 | 2.6 mi |
| 47129 | Clarksville, IN | 19,527 | 4.6 mi |
| 40211 | Louisville, KY | 22,612 | 3.3 mi |
| 40206 | Louisville, KY | 18,865 | 3.4 mi |
| 40209 | Louisville, KY | 360 | 4.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40203, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (19,694 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Jefferson County
Related Areas
Frequently Asked Questions
What county is ZIP code 40203 in?
ZIP code 40203 (Louisville) is located in Jefferson County, Kentucky. Jefferson County contains multiple ZIP codes, see the full list at /counties/jefferson-ky.
What is the population of ZIP code 40203?
ZIP code 40203 in Louisville, KY has a population of 19,694 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40203?
The median household income in ZIP 40203 is $30,794, which is 60% below the national average of $76,288.
What is the average home value in ZIP 40203?
The median home value in ZIP 40203 is $197,300, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 40203?
The largest racial group in ZIP 40203 is African American at 51.7%. Hispanic or Latino residents make up 3.2% of the population.
How many businesses are in ZIP code 40203?
ZIP code 40203 has 522 business establishments employing approximately 8,514 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40203?
The top industries by establishment count in ZIP 40203 are: Health care and social assistance (84), Other services (except public administration) (82), Retail trade (59). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 40203?
According to the FHFA House Price Index, home values in ZIP 40203 increased by 1.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 196%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 40203?
In ZIP code 40203, 57.1% of residents aged 25+ have a high school diploma or higher, and 22.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 40203?
The mean commute time for workers in ZIP code 40203 is 19.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40203?
In ZIP code 40203, approximately 24.9% of occupied housing units are owner-occupied and 75.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40203?
The poverty rate in ZIP code 40203 is 43.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 40203's numbers, next.
- See how ZIP 40203 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Louisville, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.