Louisville, KY · standard
ZIP Code 40228
Jefferson County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 15,743
- 803/sq mi High-density area
- $79,404
- Median income Near-median income area
- $241,300
- Median home value Near-median home value
- 31.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Louisville pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 39%
- household income, US ZIPs
- Top 45%
- home value, US ZIPs
- 803
- people per sq mi
- 77%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40228 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 40228 (Louisville, KY) rose +4.4% from 2023 to 2024. The all-transactions index moved from 208.9 in 2023 to 218.1 in 2024 (2000 = 100).
ZIP code 40228 is a mid-sized community (a standard USPS delivery area) in Louisville, Jefferson County, Kentucky, home to 15,743 residents across 19.6 square miles, a density of 803 people per square mile, in the New York time zone.
ZIP 40228 lands in the middle-income range, with a median household income of $79,404 (33% above the average Kentucky ZIP), while per-capita income is $37,852. The poverty rate is 7.4%, with unemployment at 4.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $241,300 (52% above the average Kentucky ZIP), while 77.2% of occupied homes are owner-occupied and median rent is $1,371.
A solid share of residents have a four-year degree: 31.7% of adults hold a bachelor's degree or higher, the median age is 40.5, and the average commute is 23 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Jefferson County, so 40228 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 40228
Top 5 sectors by establishment count in Louisville, KY
Which industries have the most business establishments in ZIP 40228.
- Construction
Construction
50 establishments
- Retail trade
Retail trade
43 establishments
- Other services (except public administration)
Other services (except public administration)
40 establishments
- Health care and social assistance
Health care and social assistance
23 establishments
- Wholesale trade
Wholesale trade
22 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 40228, 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
15,743
Population
19.6
Area (sq mi)
803
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40228?
40.5
Median Age
52.4%
Male
47.6%
Female
15.5%
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?
$79,404
Median Household Income
+33% vs state ZIP avg
$37,852
Per Capita Income
7.4%
Poverty Rate
4.7%
Unemployment Rate
22.8 min
Mean Commute Time
How ZIP 40228 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)
$79,404 Top 15% higher than 85% 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
7,669housing units
7,669
Total Housing Units
7,279
Occupied Units
390
Vacant Units
2.48
Avg Household Size
Occupancy Type
$241,300
Median Home Value
+52% vs state ZIP avg
$1,371
Median Rent
1992
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
+4.4%
YoY Change (2024)
218
HPI Index (2000 = 100)
+118%
Total Change Since 2000
Home values in ZIP 40228 have increased 4.4% over the past year (2024). Since 2000, this ZIP has seen +118% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.8% | 152 |
| 2021 | +11.7% | 170 |
| 2022 | +10.0% | 187 |
| 2023 | +11.6% | 209 |
| 2024 | +4.4% | 218 |
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 307 business establishments in ZIP 40228, employing approximately 3,765 people with a combined annual payroll of $196,900,000.
307
Businesses
3,765
Employees
$196.9M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 50 | 16.3% |
| Retail trade | 43 | 14.0% |
| Other services (except public administration) | 40 | 13.0% |
| Health care and social assistance | 23 | 7.5% |
| Wholesale trade | 22 | 7.2% |
| Accommodation and food services | 21 | 6.8% |
| Professional, scientific, and technical services | 18 | 5.9% |
| Administrative and support and waste management and remediation services | 18 | 5.9% |
| Manufacturing | 17 | 5.5% |
| Transportation and warehousing | 16 | 5.2% |
| Real estate and rental and leasing | 16 | 5.2% |
| Finance and insurance | 12 | 3.9% |
| Information | 4 | 1.3% |
| Arts, entertainment, and recreation | 4 | 1.3% |
| Educational services | 3 | 1.0% |
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 40228 vs 40291 →
ZIP 40228 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40299
Louisville (40299)
38,371 residents
- 40219
Louisville (40219)
38,032 residents
- 40229
Louisville (40229)
36,852 residents
- 40291
Louisville (40291)
35,427 residents
- 40220
Louisville (40220)
33,109 residents
- 40218
Louisville (40218)
31,658 residents
- 40205
Louisville (40205)
23,678 residents
- 40222
Louisville (40222)
21,359 residents
- 40213
Louisville (40213)
16,796 residents
What this shows Among its immediate neighbors, ZIP 40228 ranks #0 by population - useful context the national average alone can't give.
ZIP 40228 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40205
Louisville (40205)
$99,966 median income
- 40299
Louisville (40299)
$89,440 median income
- 40222
Louisville (40222)
$82,511 median income
- 40291
Louisville (40291)
$81,267 median income
- 40229
Louisville (40229)
$79,936 median income
- 40228
Louisville (40228)
$79,404 median income
- 40220
Louisville (40220)
$78,434 median income
- 40218
Louisville (40218)
$58,811 median income
- 40213
Louisville (40213)
$55,897 median income
What this shows By household income, ZIP 40228 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 40291 | Louisville, KY | 35,427 | 2.8 mi |
| 40219 | Louisville, KY | 38,032 | 3.2 mi |
| 40229 | Louisville, KY | 36,852 | 3.5 mi |
| 40218 | Louisville, KY | 31,658 | 4.0 mi |
| 40220 | Louisville, KY | 33,109 | 5.6 mi |
| 40231 | Louisville, KY | 0 | 5.5 mi |
| 40213 | Louisville, KY | 16,796 | 5.7 mi |
| 40299 | Louisville, KY | 38,371 | 6.3 mi |
| 40205 | Louisville, KY | 23,678 | 6.8 mi |
| 40222 | Louisville, KY | 21,359 | 9.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40228, 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 (15,743 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 40228 in?
ZIP code 40228 (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 40228?
ZIP code 40228 in Louisville, KY has a population of 15,743 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40228?
The median household income in ZIP 40228 is $79,404, which is 4% above the national average of $76,288.
What is the average home value in ZIP 40228?
The median home value in ZIP 40228 is $241,300, which is 13% below the national average of $278,155.
What is the demographic makeup of ZIP 40228?
The largest racial group in ZIP 40228 is White at 64.3%. Hispanic or Latino residents make up 9.6% of the population.
How many businesses are in ZIP code 40228?
ZIP code 40228 has 307 business establishments employing approximately 3,765 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40228?
The top industries by establishment count in ZIP 40228 are: Construction (50), Retail trade (43), Other services (except public administration) (40). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 40228?
According to the FHFA House Price Index, home values in ZIP 40228 increased by 4.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 118%. 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 40228?
In ZIP code 40228, 59.2% of residents aged 25+ have a high school diploma or higher, and 31.7% 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 40228?
The mean commute time for workers in ZIP code 40228 is 22.8 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 40228?
In ZIP code 40228, approximately 77.2% of occupied housing units are owner-occupied and 22.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40228?
The poverty rate in ZIP code 40228 is 7.4% 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 40228's numbers, next.
- See how ZIP 40228 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.