PlainZIP

Louisville, KY · standard

ZIP Code 40205

Jefferson County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

23,678
1,310/sq mi
$99,966
Median income
$375,300
Median home value
66.7%
Bachelor's or higher

The verdict

Louisville pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 19%
household income, US ZIPs
Top 23%
home value, US ZIPs
1,310
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40205 against every reporting US ZIP.

ZIP code 40205 is a densely settled ZIP (a standard USPS delivery area) in Louisville, Jefferson County, Kentucky, with 23,678 residents across 18.1 square miles, a density of 1,310 people per square mile, in the New York time zone.

ZIP 40205 lands in the middle-income range, with a median household income of $99,966 (68% above the Kentucky average), while per-capita income is $59,226. Local economic indicators show a 7.1% poverty rate alongside 2.8% unemployment. The typical home here is valued at $375,300 (136% above the state average); renters pay a median of $1,185 monthly, and 74.4% of units are owner-occupied.

This is a highly-educated ZIP: 66.7% of adults hold a bachelor's degree or higher, the median age is 42.7, and the average commute is 19 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 40205, plus 6 more within Jefferson County, give a clearer read than the national average alone.

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 40205

Top 5 sectors by establishment count in Louisville, KY

Which industries have the most business establishments in ZIP 40205.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 40205, 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

23,678

Population

18.1

Area (sq mi)

1,310

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 40205?

42.7

Median Age

48.1%

Male

51.9%

Female

3.7%

Foreign-Born

White 90.1%
African American 3.1%
Asian 0.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.7%
Hispanic or Latino 2.7%

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?

$99,966

Median Household Income

+68% vs state

$59,226

Per Capita Income

7.1%

Poverty Rate

2.8%

Unemployment Rate

18.6 min

Mean Commute Time

How ZIP 40205 ranks nationally

Louisville, KY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$99,966 Top 19% higher than 81% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 77.6%
Bachelor's Degree or Higher 66.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,129

Total Housing Units

10,476

Occupied Units

653

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 74.4%
Renter 25.6%

$375,300

Median Home Value

+136% vs state

$1,185

Median Rent

1945

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

+6.5%

YoY Change (2024)

242

HPI Index (2000 = 100)

+142%

Total Change Since 2000

Home values in ZIP 40205 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +142% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.8% 190
2021 +5.5% 201
2022 +9.8% 220
2023 +3.0% 227
2024 +6.5% 242

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 642 business establishments in ZIP 40205, employing approximately 9,094 people with a combined annual payroll of $587,469,000.

642

Businesses

9,094

Employees

$587.5M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 114 17.8%
Professional, scientific, and technical services 103 16.0%
Accommodation and food services 76 11.8%
Other services (except public administration) 61 9.5%
Real estate and rental and leasing 58 9.0%
Retail trade 55 8.6%
Finance and insurance 34 5.3%
Educational services 27 4.2%
Construction 25 3.9%
Administrative and support and waste management and remediation services 23 3.6%
Information 17 2.6%
Arts, entertainment, and recreation 15 2.3%
Wholesale trade 12 1.9%
Transportation and warehousing 12 1.9%
Manufacturing 4 0.6%
Management of companies and enterprises 4 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 40205 vs 40280 →

ZIP 40205 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 40205 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40205 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 40205 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
40280 Louisville, KY 303 1.7 mi
40231 Louisville, KY 0 2.1 mi
40041 Masonic Home, KY 286 2.4 mi
40204 Louisville, KY 14,236 2.3 mi
40206 Louisville, KY 18,865 2.8 mi
40217 Louisville, KY 12,507 3.0 mi
40218 Louisville, KY 31,658 2.8 mi
40207 Louisville, KY 29,745 3.2 mi
40220 Louisville, KY 33,109 3.6 mi
40213 Louisville, KY 16,796 3.9 mi

More ZIP Codes in Jefferson County

40214 standard
Louisville, KY
Pop: 45,291
40216 standard
Louisville, KY
Pop: 40,746
40299 standard
Louisville, KY
Pop: 38,371
40219 standard
Louisville, KY
Pop: 38,032
40272 standard
Louisville, KY
Pop: 37,394
40229 standard
Louisville, KY
Pop: 36,852

Related Areas

Jefferson County Louisville, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40205 in? ▼
ZIP code 40205 (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 40205? ▼
ZIP code 40205 in Louisville, KY has a population of 23,678 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40205? ▼
The median household income in ZIP 40205 is $99,966, which is 31% above the national average of $76,288.
What is the average home value in ZIP 40205? ▼
The median home value in ZIP 40205 is $375,300, which is 35% above the national average of $278,155.
What is the demographic makeup of ZIP 40205? ▼
The largest racial group in ZIP 40205 is White at 90.1%. Hispanic or Latino residents make up 2.7% of the population.
How many businesses are in ZIP code 40205? ▼
ZIP code 40205 has 642 business establishments employing approximately 9,094 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40205? ▼
The top industries by establishment count in ZIP 40205 are: Health care and social assistance (114), Professional, scientific, and technical services (103), Accommodation and food services (76). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 40205? ▼
According to the FHFA House Price Index, home values in ZIP 40205 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 142%. 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 40205? ▼
In ZIP code 40205, 77.6% of residents aged 25+ have a high school diploma or higher, and 66.7% 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 40205? ▼
The mean commute time for workers in ZIP code 40205 is 18.6 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 40205? ▼
In ZIP code 40205, approximately 74.4% of occupied housing units are owner-occupied and 25.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40205? ▼
The poverty rate in ZIP code 40205 is 7.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.