PlainZIP

Louisville, KY · standard

ZIP Code 40245

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

30,109
359/sq mi
$122,948
Median income
$445,300
Median home value
59.3%
Bachelor's or higher

The verdict

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

Top 9%
household income, US ZIPs
Top 17%
home value, US ZIPs
359
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40245 against every reporting US ZIP.

ZIP code 40245 is a densely settled ZIP (a standard USPS delivery area) in Louisville, Jefferson County, Kentucky, with 30,109 residents across 83.9 square miles, a density of 359 people per square mile, in the New York time zone.

ZIP 40245 skews affluent, with a median household income of $122,948 (106% above the Kentucky average), while per-capita income is $62,005. The poverty rate stands at 6.4% and the unemployment rate at 3.0%. On housing, the median home value is $445,300 (180% above the state average) with median rent at $1,688 per month, and 77.0% of occupied units are owner-occupied.

This is a highly-educated ZIP: 59.3% of adults hold a bachelor's degree or higher, the median age is 40.8, and the average commute is 25 minutes. To put 40245 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 40245

Top 5 sectors by establishment count in Louisville, KY

Which industries have the most business establishments in ZIP 40245.

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 40245, 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

30,109

Population

83.9

Area (sq mi)

359

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 40245?

40.8

Median Age

47.9%

Male

52.1%

Female

9.1%

Foreign-Born

White 75.4%
African American 8.0%
Asian 7.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.0%
Hispanic or Latino 5.7%

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?

$122,948

Median Household Income

+106% vs state

$62,005

Per Capita Income

6.4%

Poverty Rate

3.0%

Unemployment Rate

24.5 min

Mean Commute Time

How ZIP 40245 ranks nationally

Louisville, KY household income vs. every US ZIP code

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

$122,948 Top 9% higher than 91% 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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 72.0%
Bachelor's Degree or Higher 59.3%

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

What does housing look like?

15,493

Total Housing Units

15,048

Occupied Units

445

Vacant Units

2.58

Avg Household Size

Occupancy Type

Owner 77.0%
Renter 23.0%

$445,300

Median Home Value

+180% vs state

$1,688

Median Rent

2003

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

+0.4%

YoY Change (2024)

203

HPI Index (2000 = 100)

+103%

Total Change Since 2000

Home values in ZIP 40245 have increased 0.4% over the past year (2024). Since 2000, this ZIP has seen +103% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.7% 143
2021 +9.8% 157
2022 +11.2% 174
2023 +16.0% 202
2024 +0.4% 203

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 747 business establishments in ZIP 40245, employing approximately 17,109 people with a combined annual payroll of $955,130,000.

747

Businesses

17,109

Employees

$955.1M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 123 16.5%
Health care and social assistance 85 11.4%
Finance and insurance 65 8.7%
Administrative and support and waste management and remediation services 59 7.9%
Construction 58 7.8%
Retail trade 58 7.8%
Real estate and rental and leasing 54 7.2%
Accommodation and food services 54 7.2%
Other services (except public administration) 53 7.1%
Transportation and warehousing 32 4.3%
Wholesale trade 29 3.9%
Educational services 20 2.7%
Manufacturing 19 2.5%
Arts, entertainment, and recreation 15 2.0%
Management of companies and enterprises 13 1.7%
Information 9 1.2%

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 40245 vs 40056 →

ZIP 40245 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 40245 ranks #2 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 40245 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 40245 ranks #4 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
40056 Pewee Valley, KY 3,263 3.5 mi
40223 Louisville, KY 22,011 4.9 mi
40014 Crestwood, KY 19,986 5.5 mi
40243 Louisville, KY 10,210 4.8 mi
40010 Buckner, KY 587 7.5 mi
40023 Fisherville, KY 4,118 7.0 mi
40067 Simpsonville, KY 5,114 5.5 mi
40242 Louisville, KY 10,930 7.6 mi
40241 Louisville, KY 28,988 7.2 mi
40299 Louisville, KY 38,371 7.9 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 40245 in? ▼
ZIP code 40245 (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 40245? ▼
ZIP code 40245 in Louisville, KY has a population of 30,109 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40245? ▼
The median household income in ZIP 40245 is $122,948, which is 61% above the national average of $76,288.
What is the average home value in ZIP 40245? ▼
The median home value in ZIP 40245 is $445,300, which is 60% above the national average of $278,155.
What is the demographic makeup of ZIP 40245? ▼
The largest racial group in ZIP 40245 is White at 75.4%. Hispanic or Latino residents make up 5.7% of the population.
How many businesses are in ZIP code 40245? ▼
ZIP code 40245 has 747 business establishments employing approximately 17,109 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40245? ▼
The top industries by establishment count in ZIP 40245 are: Professional, scientific, and technical services (123), Health care and social assistance (85), Finance and insurance (65). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 40245? ▼
According to the FHFA House Price Index, home values in ZIP 40245 increased by 0.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 103%. 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 40245? ▼
In ZIP code 40245, 72.0% of residents aged 25+ have a high school diploma or higher, and 59.3% 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 40245? ▼
The mean commute time for workers in ZIP code 40245 is 24.5 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 40245? ▼
In ZIP code 40245, approximately 77.0% of occupied housing units are owner-occupied and 23.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40245? ▼
The poverty rate in ZIP code 40245 is 6.4% 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.