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 High-density area
- $71,172
- Median income Near-median income area
- $173,500
- Median home value Near-median home value
- 31.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 average Kentucky ZIP), while per-capita income is $34,358. The poverty rate is 19.6%, with unemployment at 3.7%; those measures add context to the income figure. Median home value is $173,500 (9% above the average Kentucky ZIP) and median rent is $1,138; 71.6% of occupied homes 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Kenton County, so 41016 can be compared with both its immediate and county-level context.
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.
- Accommodation and food services
Accommodation and food services
11 establishments
- Construction
Construction
10 establishments
- Retail trade
Retail trade
9 establishments
- Manufacturing
Manufacturing
8 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
6 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, 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
Who lives in ZIP 41016?
38.4
Median Age
48.0%
Male
52.0%
Female
1.1%
Foreign-Born
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 ZIP avg
$34,358
Per Capita Income
19.6%
Poverty Rate
3.7%
Unemployment Rate
21.6 min
Mean Commute Time
How ZIP 41016 ranks among Kentucky ZIPs
Covington, KY household income vs. every Kentucky ZIP code
Median household income among 646 reporting Kentucky ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$71,172 Top 23% higher than 77% of 646 Kentucky ZIPs
Each bar is a $20K-wide band; taller bars hold more Kentucky 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,844housing units
2,844
Total Housing Units
2,483
Occupied Units
361
Vacant Units
2.31
Avg Household Size
Occupancy Type
$173,500
Median Home Value
+9% vs state ZIP avg
$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.
- 41017
Ft Mitchell (41017)
38,940 residents
- 41011
Covington (41011)
25,872 residents
- 45205
Cincinnati (45205)
19,389 residents
- 45219
Cincinnati (45219)
16,526 residents
- 45202 15,483
Cincinnati (45202)
15,483 residents
- 45225 9,040
Cincinnati (45225)
9,040 residents
- 45214 8,738
Cincinnati (45214)
8,738 residents
- 45204 6,972
Cincinnati (45204)
6,972 residents
- 41014 6,942
Covington (41014)
6,942 residents
What this shows Among its immediate neighbors, ZIP 41016 ranks #0 by population - useful context the national average alone can't give.
ZIP 41016 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 41017
Ft Mitchell (41017)
$97,274 median income
- 45202
Cincinnati (45202)
$95,633 median income
- 41016
Covington (41016)
$71,172 median income
- 41011
Covington (41011)
$69,970 median income
- 41014
Covington (41014)
$61,382 median income
- 45205
Cincinnati (45205)
$43,682 median income
- 45219 $35,657
Cincinnati (45219)
$35,657 median income
- 45204 $31,236
Cincinnati (45204)
$31,236 median income
- 45214 $27,852
Cincinnati (45214)
$27,852 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 41016, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (6,075 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kenton County
Related Areas
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.
Related
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What to do with ZIP 41016's numbers, next.
- See how ZIP 41016 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Covington, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.