PlainZIP

Louisville, KY · standard

ZIP Code 40299

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

38,371
279/sq mi
$89,440
Median income
$290,200
Median home value
42.6%
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 27%
household income, US ZIPs
Top 35%
home value, US ZIPs
279
people per sq mi
75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40299 against every reporting US ZIP.

ZIP code 40299 is a densely settled ZIP (a standard USPS delivery area) in Louisville, Jefferson County, Kentucky, with 38,371 residents across 137.6 square miles, a density of 279 people per square mile, in the New York time zone.

ZIP 40299 lands in the middle-income range, with a median household income of $89,440 (50% above the Kentucky average), while per-capita income is $45,767. Poverty here runs at 6.4%, with unemployment measured at 2.9%. On housing, the median home value is $290,200 (83% above the state average) with median rent at $1,340 per month, and 74.8% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 42.6% of adults hold a bachelor's degree or higher, the median age is 40, and the average commute is 22 minutes. To put 40299 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 40299

Top 5 sectors by establishment count in Louisville, KY

Which industries have the most business establishments in ZIP 40299.

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 40299, 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

38,371

Population

137.6

Area (sq mi)

279

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 40299?

40.0

Median Age

47.7%

Male

52.3%

Female

7.1%

Foreign-Born

White 75.8%
African American 11.6%
Asian 1.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.5%
Hispanic or Latino 5.3%

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?

$89,440

Median Household Income

+50% vs state

$45,767

Per Capita Income

6.4%

Poverty Rate

2.9%

Unemployment Rate

22.1 min

Mean Commute Time

How ZIP 40299 ranks nationally

Louisville, KY household income vs. every US ZIP code

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

$89,440 Top 27% higher than 73% 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%). This entry sits in this band. $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 64.4%
Bachelor's Degree or Higher 42.6%

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

What does housing look like?

17,829

Total Housing Units

17,163

Occupied Units

666

Vacant Units

2.45

Avg Household Size

Occupancy Type

Owner 74.8%
Renter 25.2%

$290,200

Median Home Value

+83% vs state

$1,340

Median Rent

1994

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

+6.7%

YoY Change (2024)

218

HPI Index (2000 = 100)

+118%

Total Change Since 2000

Home values in ZIP 40299 have increased 6.7% over the past year (2024). Since 2000, this ZIP has seen +118% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.8% 157
2021 +9.1% 171
2022 +14.2% 196
2023 +4.5% 204
2024 +6.7% 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 1,707 business establishments in ZIP 40299, employing approximately 40,713 people with a combined annual payroll of $2,537,512,000.

1,707

Businesses

40,713

Employees

$2.5B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 215 12.6%
Professional, scientific, and technical services 181 10.6%
Wholesale trade 167 9.8%
Retail trade 156 9.1%
Administrative and support and waste management and remediation services 156 9.1%
Health care and social assistance 151 8.8%
Other services (except public administration) 142 8.3%
Accommodation and food services 108 6.3%
Manufacturing 94 5.5%
Real estate and rental and leasing 90 5.3%
Finance and insurance 79 4.6%
Transportation and warehousing 65 3.8%
Information 30 1.8%
Management of companies and enterprises 27 1.6%
Arts, entertainment, and recreation 26 1.5%
Educational services 20 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 40299 vs 40023 →

ZIP 40299 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 40299 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40299 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 40299 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
40023 Fisherville, KY 4,118 4.8 mi
40243 Louisville, KY 10,210 5.4 mi
40291 Louisville, KY 35,427 4.1 mi
40223 Louisville, KY 22,011 6.9 mi
40228 Louisville, KY 15,743 6.3 mi
40220 Louisville, KY 33,109 6.6 mi
40047 Mount Washington, KY 19,345 8.7 mi
40218 Louisville, KY 31,658 7.7 mi
40245 Louisville, KY 30,109 7.9 mi
40056 Pewee Valley, KY 3,263 10.0 mi

More ZIP Codes in Jefferson County

40214 standard
Louisville, KY
Pop: 45,291
40216 standard
Louisville, KY
Pop: 40,746
40219 standard
Louisville, KY
Pop: 38,032
40272 standard
Louisville, KY
Pop: 37,394
40229 standard
Louisville, KY
Pop: 36,852
40291 standard
Louisville, KY
Pop: 35,427

Related Areas

Jefferson County Louisville, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40299 in? ▼
ZIP code 40299 (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 40299? ▼
ZIP code 40299 in Louisville, KY has a population of 38,371 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40299? ▼
The median household income in ZIP 40299 is $89,440, which is 17% above the national average of $76,288.
What is the average home value in ZIP 40299? ▼
The median home value in ZIP 40299 is $290,200, which is 4% above the national average of $278,155.
What is the demographic makeup of ZIP 40299? ▼
The largest racial group in ZIP 40299 is White at 75.8%. Hispanic or Latino residents make up 5.3% of the population.
How many businesses are in ZIP code 40299? ▼
ZIP code 40299 has 1,707 business establishments employing approximately 40,713 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40299? ▼
The top industries by establishment count in ZIP 40299 are: Construction (215), Professional, scientific, and technical services (181), Wholesale trade (167). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 40299? ▼
According to the FHFA House Price Index, home values in ZIP 40299 increased by 6.7% 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 40299? ▼
In ZIP code 40299, 64.4% of residents aged 25+ have a high school diploma or higher, and 42.6% 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 40299? ▼
The mean commute time for workers in ZIP code 40299 is 22.1 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 40299? ▼
In ZIP code 40299, approximately 74.8% of occupied housing units are owner-occupied and 25.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40299? ▼
The poverty rate in ZIP code 40299 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.