PlainZIP

Georgetown, KY · standard

ZIP Code 40324

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

41,342
103/sq mi
$85,110
Median income
$289,100
Median home value
35.5%
Bachelor's or higher

The verdict

Georgetown pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 32%
household income, US ZIPs
Top 35%
home value, US ZIPs
103
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40324 against every reporting US ZIP.

ZIP code 40324 is a densely settled ZIP (a standard USPS delivery area) in Georgetown, Scott County, Kentucky, with 41,342 residents across 401.8 square miles, a density of 103 people per square mile, in the New York time zone.

ZIP 40324 lands in the middle-income range, with a median household income of $85,110 (43% above the Kentucky average), while per-capita income is $40,850. Local economic indicators show a 11.0% poverty rate alongside 3.8% unemployment. Median home value sits at $289,100 (82% above the state average), median rent at $1,246 a month, and owner-occupancy at 69.4%.

A solid share of residents have a four-year degree: 35.5% of adults hold a bachelor's degree or higher, the median age is 35.3, and the average commute is 22 minutes. Beyond these figures, 2 nearby ZIP codes within about 10 miles are surfaced below, along with 2 more sharing Scott County, letting you compare 40324 to its immediate surroundings rather than a national baseline 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 40324

Top 5 sectors by establishment count in Georgetown, KY

Which industries have the most business establishments in ZIP 40324.

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 40324, Georgetown, 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

41,342

Population

401.8

Area (sq mi)

103

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 40324?

35.3

Median Age

49.3%

Male

50.7%

Female

3.5%

Foreign-Born

White 84.3%
African American 5.3%
Asian 1.0%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 6.9%

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?

$85,110

Median Household Income

+43% vs state

$40,850

Per Capita Income

11.0%

Poverty Rate

3.8%

Unemployment Rate

21.8 min

Mean Commute Time

How ZIP 40324 ranks nationally

Georgetown, KY household income vs. every US ZIP code

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

$85,110 Top 32% higher than 68% 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 63.6%
Bachelor's Degree or Higher 35.5%

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

What does housing look like?

21,027

Total Housing Units

20,058

Occupied Units

969

Vacant Units

2.60

Avg Household Size

Occupancy Type

Owner 69.4%
Renter 30.6%

$289,100

Median Home Value

+82% vs state

$1,246

Median Rent

2000

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

+13.9%

YoY Change (2024)

231

HPI Index (2000 = 100)

+131%

Total Change Since 2000

Home values in ZIP 40324 have increased 13.9% over the past year (2024). Since 2000, this ZIP has seen +131% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.6% 153
2021 +11.2% 170
2022 +16.2% 197
2023 +2.9% 203
2024 +13.9% 231

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 990 business establishments in ZIP 40324, employing approximately 26,020 people with a combined annual payroll of $1,592,207,000.

990

Businesses

26,020

Employees

$1.6B

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 147 14.8%
Retail trade 128 12.9%
Accommodation and food services 115 11.6%
Professional, scientific, and technical services 107 10.8%
Other services (except public administration) 96 9.7%
Construction 84 8.5%
Real estate and rental and leasing 60 6.1%
Finance and insurance 56 5.7%
Manufacturing 47 4.8%
Administrative and support and waste management and remediation services 39 3.9%
Transportation and warehousing 30 3.0%
Wholesale trade 24 2.4%
Information 23 2.3%
Arts, entertainment, and recreation 11 1.1%
Educational services 10 1.0%
Agriculture, forestry, fishing and hunting 8 0.8%
Management of companies and enterprises 3 0.3%

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 40324 vs 40511 →

ZIP 40324 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 40324 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 40324 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 40324 ranks the highest of 3 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
40511 Lexington, KY 31,798 8.8 mi
40379 Stamping Ground, KY 3,288 8.6 mi

More ZIP Codes in Scott County

40379 standard
Stamping Ground, KY
Pop: 3,288
40370 standard
Sadieville, KY
Pop: 2,763

Related Areas

Scott County Georgetown, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40324 in? ▼
ZIP code 40324 (Georgetown) is located in Scott County, Kentucky. Scott County contains multiple ZIP codes, see the full list at /counties/scott-ky.
What is the population of ZIP code 40324? ▼
ZIP code 40324 in Georgetown, KY has a population of 41,342 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40324? ▼
The median household income in ZIP 40324 is $85,110, which is 12% above the national average of $76,288.
What is the average home value in ZIP 40324? ▼
The median home value in ZIP 40324 is $289,100, which is 4% above the national average of $278,155.
What is the demographic makeup of ZIP 40324? ▼
The largest racial group in ZIP 40324 is White at 84.3%. Hispanic or Latino residents make up 6.9% of the population.
How many businesses are in ZIP code 40324? ▼
ZIP code 40324 has 990 business establishments employing approximately 26,020 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40324? ▼
The top industries by establishment count in ZIP 40324 are: Health care and social assistance (147), Retail trade (128), Accommodation and food services (115). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 40324? ▼
According to the FHFA House Price Index, home values in ZIP 40324 increased by 13.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 131%. 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 40324? ▼
In ZIP code 40324, 63.6% of residents aged 25+ have a high school diploma or higher, and 35.5% 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 40324? ▼
The mean commute time for workers in ZIP code 40324 is 21.8 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 40324? ▼
In ZIP code 40324, approximately 69.4% of occupied housing units are owner-occupied and 30.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40324? ▼
The poverty rate in ZIP code 40324 is 11.0% 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.