PlainZIP

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
$79,404
Median income
$241,300
Median home value
31.7%
Bachelor's or higher

The verdict

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.

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 Kentucky average), while per-capita income is $37,852. Local economic indicators show a 7.4% poverty rate alongside 4.7% unemployment. Housing costs here run $241,300 for a typical home value (52% above the state average), with rent averaging $1,371 a month; 77.2% of homes are owner-occupied.

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. To put 40228 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Jefferson County, for a geography-aware comparison.

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.

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 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

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 40228?

40.5

Median Age

52.4%

Male

47.6%

Female

15.5%

Foreign-Born

White 64.3%
African American 18.0%
Asian 1.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.0%
Hispanic or Latino 9.6%

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

$37,852

Per Capita Income

7.4%

Poverty Rate

4.7%

Unemployment Rate

22.8 min

Mean Commute Time

How ZIP 40228 ranks nationally

Louisville, KY household income vs. every US ZIP code

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

$79,404 Top 39% higher than 61% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 59.2%
Bachelor's Degree or Higher 31.7%

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

What does housing look like?

7,669

Total Housing Units

7,279

Occupied Units

390

Vacant Units

2.48

Avg Household Size

Occupancy Type

Owner 77.2%
Renter 22.8%

$241,300

Median Home Value

+52% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 40228 ranks #0 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 40228 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 40228 ranks #6 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
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

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 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.

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