PlainZIP

Louisville, KY · standard

ZIP Code 40207

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

29,745
988/sq mi
$101,898
Median income
$421,200
Median home value
68.2%
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 18%
household income, US ZIPs
Top 19%
home value, US ZIPs
988
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40207 against every reporting US ZIP.

ZIP code 40207 is a densely settled ZIP (a standard USPS delivery area) in Louisville, Jefferson County, Kentucky, with 29,745 residents across 30.1 square miles, a density of 988 people per square mile, in the New York time zone.

ZIP 40207 lands in the middle-income range, with a median household income of $101,898 (71% above the Kentucky average), while per-capita income is $72,150. 5.7% of residents live below the poverty line, and the unemployment rate reads 2.7%. The typical home here is valued at $421,200 (165% above the state average); renters pay a median of $1,334 monthly, and 69.1% of units are owner-occupied.

This is a highly-educated ZIP: 68.2% of adults hold a bachelor's degree or higher, the median age is 41.2, and the average commute is 19 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Jefferson County, so you can benchmark 40207 against its immediate geography rather than a 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 40207

Top 5 sectors by establishment count in Louisville, KY

Which industries have the most business establishments in ZIP 40207.

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 40207, 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

29,745

Population

30.1

Area (sq mi)

988

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 40207?

41.2

Median Age

48.0%

Male

52.0%

Female

5.5%

Foreign-Born

White 88.2%
African American 2.8%
Asian 2.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.2%
Hispanic or Latino 3.0%

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?

$101,898

Median Household Income

+71% vs state

$72,150

Per Capita Income

5.7%

Poverty Rate

2.7%

Unemployment Rate

19.3 min

Mean Commute Time

How ZIP 40207 ranks nationally

Louisville, KY household income vs. every US ZIP code

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

$101,898 Top 18% higher than 82% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 77.0%
Bachelor's Degree or Higher 68.2%

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

What does housing look like?

14,575

Total Housing Units

13,759

Occupied Units

816

Vacant Units

2.09

Avg Household Size

Occupancy Type

Owner 69.1%
Renter 30.9%

$421,200

Median Home Value

+165% vs state

$1,334

Median Rent

1960

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

+5.9%

YoY Change (2024)

239

HPI Index (2000 = 100)

+139%

Total Change Since 2000

Home values in ZIP 40207 have increased 5.9% over the past year (2024). Since 2000, this ZIP has seen +139% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.0% 183
2021 +6.8% 195
2022 +10.5% 216
2023 +4.5% 225
2024 +5.9% 239

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 1,543 business establishments in ZIP 40207, employing approximately 24,457 people with a combined annual payroll of $1,380,736,000.

1,543

Businesses

24,457

Employees

$1.4B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 366 23.7%
Retail trade 267 17.3%
Professional, scientific, and technical services 165 10.7%
Other services (except public administration) 141 9.1%
Accommodation and food services 128 8.3%
Finance and insurance 123 8.0%
Real estate and rental and leasing 108 7.0%
Construction 51 3.3%
Administrative and support and waste management and remediation services 48 3.1%
Arts, entertainment, and recreation 40 2.6%
Wholesale trade 26 1.7%
Educational services 24 1.6%
Information 19 1.2%
Transportation and warehousing 13 0.8%
Manufacturing 12 0.8%
Management of companies and enterprises 9 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 40207 vs 40041 →

ZIP 40207 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 40207 ranks #3 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 40207 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 40207 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
40041 Masonic Home, KY 286 0.8 mi
40222 Louisville, KY 21,359 2.0 mi
40025 Glenview, KY 59 2.4 mi
40280 Louisville, KY 303 2.1 mi
40206 Louisville, KY 18,865 2.6 mi
40205 Louisville, KY 23,678 3.2 mi
40242 Louisville, KY 10,930 3.7 mi
40218 Louisville, KY 31,658 5.3 mi
40220 Louisville, KY 33,109 4.1 mi
40204 Louisville, KY 14,236 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 40207 in? ▼
ZIP code 40207 (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 40207? ▼
ZIP code 40207 in Louisville, KY has a population of 29,745 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40207? ▼
The median household income in ZIP 40207 is $101,898, which is 34% above the national average of $76,288.
What is the average home value in ZIP 40207? ▼
The median home value in ZIP 40207 is $421,200, which is 51% above the national average of $278,155.
What is the demographic makeup of ZIP 40207? ▼
The largest racial group in ZIP 40207 is White at 88.2%. Hispanic or Latino residents make up 3.0% of the population.
How many businesses are in ZIP code 40207? ▼
ZIP code 40207 has 1,543 business establishments employing approximately 24,457 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40207? ▼
The top industries by establishment count in ZIP 40207 are: Health care and social assistance (366), Retail trade (267), Professional, scientific, and technical services (165). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 40207? ▼
According to the FHFA House Price Index, home values in ZIP 40207 increased by 5.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 139%. 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 40207? ▼
In ZIP code 40207, 77.0% of residents aged 25+ have a high school diploma or higher, and 68.2% 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 40207? ▼
The mean commute time for workers in ZIP code 40207 is 19.3 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 40207? ▼
In ZIP code 40207, approximately 69.1% of occupied housing units are owner-occupied and 30.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40207? ▼
The poverty rate in ZIP code 40207 is 5.7% 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.