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 High-density area
- $99,966
- Median income Above-median income area
- $375,300
- Median home value Above-median home value
- 66.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 40205 (Louisville, KY) rose +6.5% from 2023 to 2024. The all-transactions index moved from 226.7 in 2023 to 241.5 in 2024 (2000 = 100).
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 average Kentucky ZIP), while per-capita income is $59,226. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.1% and unemployment is 2.8%. Housing is both higher-cost and owner-heavy: median home value is $375,300 (136% above the average Kentucky ZIP), while 74.4% of occupied homes are owner-occupied and median rent is $1,185.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Jefferson County, so 40205 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 40205
Top 5 sectors by establishment count in Louisville, KY
Which industries have the most business establishments in ZIP 40205.
- Health care and social assistance
Health care and social assistance
114 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
103 establishments
- Accommodation and food services
Accommodation and food services
76 establishments
- Other services (except public administration)
Other services (except public administration)
61 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
58 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 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
Who lives in ZIP 40205?
42.7
Median Age
48.1%
Male
51.9%
Female
3.7%
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?
$99,966
Median Household Income
+68% vs state ZIP avg
$59,226
Per Capita Income
7.1%
Poverty Rate
2.8%
Unemployment Rate
18.6 min
Mean Commute Time
How ZIP 40205 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)
$99,966 Top 5% higher than 95% 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
11,129housing units
11,129
Total Housing Units
10,476
Occupied Units
653
Vacant Units
2.21
Avg Household Size
Occupancy Type
$375,300
Median Home Value
+136% vs state ZIP avg
$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.
- 40220
Louisville (40220)
33,109 residents
- 40218
Louisville (40218)
31,658 residents
- 40207
Louisville (40207)
29,745 residents
- 40205
Louisville (40205)
23,678 residents
- 40206
Louisville (40206)
18,865 residents
- 40213
Louisville (40213)
16,796 residents
- 40204
Louisville (40204)
14,236 residents
- 40217 12,507
Louisville (40217)
12,507 residents
- 40280 303
Louisville (40280)
303 residents
What this shows Among its immediate neighbors, ZIP 40205 ranks #4 by population - useful context the national average alone can't give.
ZIP 40205 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40041
Masonic Home (40041)
$153,214 median income
- 40207
Louisville (40207)
$101,898 median income
- 40205
Louisville (40205)
$99,966 median income
- 40220
Louisville (40220)
$78,434 median income
- 40206
Louisville (40206)
$75,798 median income
- 40204
Louisville (40204)
$71,116 median income
- 40217
Louisville (40217)
$69,114 median income
- 40218 $58,811
Louisville (40218)
$58,811 median income
- 40213 $55,897
Louisville (40213)
$55,897 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40205, 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 (23,678 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 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.
Related
Take this with you
What to do with ZIP 40205's numbers, next.
- See how ZIP 40205 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.