PlainZIP

Covington, KY · standard

ZIP Code 41016

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

6,075
1,460/sq mi
$71,172
Median income
$173,500
Median home value
31.9%
Bachelor's or higher

The verdict

Covington pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.

49th pct
household income, US ZIPs
36th pct
home value, US ZIPs
1,460
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 41016 against every reporting US ZIP.

ZIP code 41016 is a mid-sized community (a standard USPS delivery area) in Covington, Kenton County, Kentucky, home to 6,075 residents across 4.2 square miles, a density of 1,460 people per square mile, in the New York time zone.

ZIP 41016 lands in the middle-income range, with a median household income of $71,172 (19% above the Kentucky average), while per-capita income is $34,358. Local economic indicators show a 19.6% poverty rate alongside 3.7% unemployment. The typical home here is valued at $173,500 (9% above the state average); renters pay a median of $1,138 monthly, and 71.6% of units are owner-occupied.

A solid share of residents have a four-year degree: 31.9% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 22 minutes. To put 41016 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Kenton 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 41016

Top 5 sectors by establishment count in Covington, KY

Which industries have the most business establishments in ZIP 41016.

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 41016, Covington, 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

6,075

Population

4.2

Area (sq mi)

1,460

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 41016?

38.4

Median Age

48.0%

Male

52.0%

Female

1.1%

Foreign-Born

White 87.0%
African American 2.3%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.3%
Hispanic or Latino 7.8%

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?

$71,172

Median Household Income

+19% vs state

$34,358

Per Capita Income

19.6%

Poverty Rate

3.7%

Unemployment Rate

21.6 min

Mean Commute Time

How ZIP 41016 ranks nationally

Covington, KY household income vs. every US ZIP code

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

$71,172 49th percentile higher than 49% 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 66.4%
Bachelor's Degree or Higher 31.9%

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

What does housing look like?

2,844

Total Housing Units

2,483

Occupied Units

361

Vacant Units

2.31

Avg Household Size

Occupancy Type

Owner 71.6%
Renter 28.4%

$173,500

Median Home Value

+9% vs state

$1,138

Median Rent

1938

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

+0.1%

YoY Change (2024)

249

HPI Index (2000 = 100)

+149%

Total Change Since 2000

Home values in ZIP 41016 have increased 0.1% over the past year (2024). Since 2000, this ZIP has seen +149% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.8% 164
2021 +13.7% 186
2022 +19.1% 222
2023 +12.3% 249
2024 +0.1% 249

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 70 business establishments in ZIP 41016, employing approximately 466 people with a combined annual payroll of $12,808,000.

70

Businesses

466

Employees

$12.8M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 11 15.7%
Construction 10 14.3%
Retail trade 9 12.9%
Manufacturing 8 11.4%
Professional, scientific, and technical services 6 8.6%
Other services (except public administration) 6 8.6%
Wholesale trade 4 5.7%
Health care and social assistance 4 5.7%
Information 3 4.3%

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 41016 vs 45204 →

ZIP 41016 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 41016 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 41016 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 41016 ranks #3 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
45204 Cincinnati, OH 6,972 1.4 mi
45203 Cincinnati, OH 2,236 1.5 mi
41011 Covington, KY 25,872 1.7 mi
45214 Cincinnati, OH 8,738 2.5 mi
45205 Cincinnati, OH 19,389 2.1 mi
45225 Cincinnati, OH 9,040 3.9 mi
41014 Covington, KY 6,942 2.8 mi
45202 Cincinnati, OH 15,483 2.9 mi
41017 Ft Mitchell, KY 38,940 4.1 mi
45219 Cincinnati, OH 16,526 3.4 mi

More ZIP Codes in Kenton County

41017 standard
Ft Mitchell, KY
Pop: 38,940
41018 standard
Erlanger, KY
Pop: 27,345
41051 standard
Independence, KY
Pop: 26,796
41011 standard
Covington, KY
Pop: 25,872
41015 standard
Latonia, KY
Pop: 20,864
41014 standard
Covington, KY
Pop: 6,942

Related Areas

Kenton County Covington, KY Kentucky

Frequently Asked Questions

What county is ZIP code 41016 in? ▼
ZIP code 41016 (Covington) is located in Kenton County, Kentucky. Kenton County contains multiple ZIP codes, see the full list at /counties/kenton-ky.
What is the population of ZIP code 41016? ▼
ZIP code 41016 in Covington, KY has a population of 6,075 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 41016? ▼
The median household income in ZIP 41016 is $71,172, which is 7% below the national average of $76,288.
What is the average home value in ZIP 41016? ▼
The median home value in ZIP 41016 is $173,500, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 41016? ▼
The largest racial group in ZIP 41016 is White at 87.0%. Hispanic or Latino residents make up 7.8% of the population.
How many businesses are in ZIP code 41016? ▼
ZIP code 41016 has 70 business establishments employing approximately 466 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 41016? ▼
The top industries by establishment count in ZIP 41016 are: Accommodation and food services (11), Construction (10), Retail trade (9). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 41016? ▼
According to the FHFA House Price Index, home values in ZIP 41016 increased by 0.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 149%. 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 41016? ▼
In ZIP code 41016, 66.4% of residents aged 25+ have a high school diploma or higher, and 31.9% 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 41016? ▼
The mean commute time for workers in ZIP code 41016 is 21.6 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 41016? ▼
In ZIP code 41016, approximately 71.6% of occupied housing units are owner-occupied and 28.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 41016? ▼
The poverty rate in ZIP code 41016 is 19.6% 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.