Residential delivery area · Kentucky
ZIP Code 41016: Covington, KY
ZIP code 41016 uses the postal name Covington, Kentucky and lies entirely in Kenton County (Census 2020 ZIP-county file). About 5,800 people live there (Census Bureau, ACS 2020-2024), the least populous of Covington's 3 residential ZIP codes. Median household income is $71,172 (Census Bureau, ACS 2020-2024). Most of its land (61%) lies in the city of Ludlow; 22% is in Covington.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Covington · 3 residential ZIPs
- County
- Kenton County
- Census places
- Ludlow (61%); Covington (22%); Bromley (17%)
- Metro area
- Cincinnati, OH-KY-IN
- House district
- KY-4 119th Congress
- State
- Kentucky
- Time zone
- Eastern
- Land area
- 1.5 sq mi · 3,913 people per sq mi
Where is ZIP code 41016?
41016 centers on 39.089°, -84.548° and covers 1.5 square miles of land plus 0.0 of water. It borders 2 ZIP codes: 41011, 41017.
The map draws ZIP code areas only. For the streets inside 41016, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 41016 compare with the rest of Covington?
| Measure | 41016 | In Covington | In Kenton County | In KY |
|---|---|---|---|---|
| People (ACS 2020-2024) | 5,795 | 3rd of 3 | 10th of 12 | 189th of 780 |
| Median household income | $71k | 1st of 3 | 7th of 11 | 92nd of 310 |
| Median home value | $174k | 2nd of 3 | 11th of 12 | 152nd of 320 |
Its median household income is higher than in 49% of U.S. residential ZIP codes, and it is denser than 91% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 41016?
The 2020 Census counted 5,684 people in 41016; the ACS, which samples households over 2020-2024, estimates 5,795. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 5,795
- 2020 Census count
- 5,684
- Households
- 2,483
- Median age
- 38.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 41016?
Of the 5,795 people the ACS estimates in 41016, 25.0% are under 18 and 14.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.8%).
- Under 1825.0%
- 18 to 6460.8%
- 65 and older14.2%
- White, not Hispanic81.8%
- Other or two or more8.2%
- Hispanic or Latino7.8%
- Black, not Hispanic2.3%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 41016 earn?
Median household income is $71,172 (ACS 2020-2024), the 7th highest of the 11 ranked ZIP codes in Kenton County.
- Median household income
- $71,172±$9,187
- Income per person
- $34,358
- Below the poverty line
- 19.6%
- Unemployed (of the labor force)
- 3.8%
- Adults 25+ with a bachelor's degree
- 31.9%
- Adjusted gross income per tax return, 2022
- $61,0002,630 returns; wages 79% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 41016?
FHFA's house price index for 41016, built from repeat sales and appraisals of the same homes, rose 140% from 2015 to 2025 and rose 63% from 2020 to 2025, and moved +7.0% in 2025.
- Median home value (owners' estimate)
- $173,500
- Median gross rent
- $1,138
- Homes owned by their occupants
- 71.6%
- Housing units
- 2,844
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 41016?
70 business establishments had a location in this ZIP code in 2023, 15 more than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services11
- Construction10
- Retail trade9
- Manufacturing8
- Professional, scientific, and technical services6
- Other services (except public administration)6
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 41016?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 41011 | Covington | 26,981 | $70k | 1.7 mi |
| 41017 | Ft Mitchell | 40,719 | $97k | 4.2 mi |
| 45203 | Cincinnati, OH | 2,436 | $22k | 1.4 mi (near) |
| 45204 | Cincinnati, OH | 8,412 | $31k | 1.6 mi (near) |
| 45214 | Cincinnati, OH | 8,630 | $28k | 2.0 mi (near) |
| 45205 | Cincinnati, OH | 18,651 | $44k | 2.1 mi (near) |
| 45202 | Cincinnati, OH | 17,869 | $96k | 2.7 mi (near) |
| 41014 | Covington | 7,392 | $61k | 2.9 mi (near) |
| 45219 | Cincinnati, OH | 20,012 | $36k | 3.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.