PlainZIP

Independence, KY · standard

ZIP Code 41051

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

26,796
356/sq mi
$104,201
Median income
$268,900
Median home value
37.9%
Bachelor's or higher

The verdict

Independence pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.

Top 16%
household income, US ZIPs
Top 39%
home value, US ZIPs
356
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 41051 against every reporting US ZIP.

ZIP code 41051 is a densely settled ZIP (a standard USPS delivery area) in Independence, Kenton County, Kentucky, with 26,796 residents across 75.4 square miles, a density of 356 people per square mile, in the New York time zone.

ZIP 41051 lands in the middle-income range, with a median household income of $104,201 (75% above the Kentucky average), while per-capita income is $41,465. Poverty here runs at 7.4%, with unemployment measured at 4.0%. Median home value sits at $268,900 (69% above the state average), median rent at $1,291 a month, and owner-occupancy at 87.5%.

A solid share of residents have a four-year degree: 37.9% of adults hold a bachelor's degree or higher, the median age is 36.1, and the average commute is 27 minutes. To put 41051 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 41051

Top 5 sectors by establishment count in Independence, KY

Which industries have the most business establishments in ZIP 41051.

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 41051, Independence, 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

26,796

Population

75.4

Area (sq mi)

356

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 41051?

36.1

Median Age

50.7%

Male

49.3%

Female

3.2%

Foreign-Born

White 92.3%
African American 1.4%
Asian 1.5%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.8%
Hispanic or Latino 2.1%

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?

$104,201

Median Household Income

+75% vs state

$41,465

Per Capita Income

7.4%

Poverty Rate

4.0%

Unemployment Rate

27.4 min

Mean Commute Time

How ZIP 41051 ranks nationally

Independence, KY household income vs. every US ZIP code

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

$104,201 Top 16% higher than 84% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 65.0%
Bachelor's Degree or Higher 37.9%

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

What does housing look like?

11,526

Total Housing Units

11,280

Occupied Units

246

Vacant Units

2.93

Avg Household Size

Occupancy Type

Owner 87.5%
Renter 12.5%

$268,900

Median Home Value

+69% vs state

$1,291

Median Rent

1999

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

+4.6%

YoY Change (2024)

202

HPI Index (2000 = 100)

+102%

Total Change Since 2000

Home values in ZIP 41051 have increased 4.6% over the past year (2024). Since 2000, this ZIP has seen +102% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.5% 143
2021 +10.0% 157
2022 +14.7% 180
2023 +6.8% 193
2024 +4.6% 202

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 328 business establishments in ZIP 41051, employing approximately 5,994 people with a combined annual payroll of $264,310,000.

328

Businesses

5,994

Employees

$264.3M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 46 14.0%
Professional, scientific, and technical services 40 12.2%
Construction 38 11.6%
Health care and social assistance 35 10.7%
Accommodation and food services 30 9.2%
Other services (except public administration) 28 8.5%
Transportation and warehousing 26 7.9%
Administrative and support and waste management and remediation services 21 6.4%
Finance and insurance 15 4.6%
Real estate and rental and leasing 11 3.4%
Wholesale trade 10 3.0%
Manufacturing 9 2.7%
Information 8 2.4%
Educational services 4 1.2%
Arts, entertainment, and recreation 4 1.2%
Management of companies and enterprises 3 0.9%

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 41051 vs 41015 →

ZIP 41051 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 41051 ranks #4 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 41051 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 41051 ranks the highest 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
41015 Latonia, KY 20,864 4.5 mi
41017 Ft Mitchell, KY 38,940 6.6 mi
41094 Walton, KY 13,631 5.5 mi
41063 Morning View, KY 3,378 6.5 mi
41018 Erlanger, KY 27,345 6.4 mi
41011 Covington, KY 25,872 9.3 mi
41001 Alexandria, KY 16,412 7.8 mi
41014 Covington, KY 6,942 9.3 mi
41042 Florence, KY 49,968 7.4 mi
41099 Newport, KY 1,169 8.2 mi

More ZIP Codes in Kenton County

41017 standard
Ft Mitchell, KY
Pop: 38,940
41018 standard
Erlanger, KY
Pop: 27,345
41011 standard
Covington, KY
Pop: 25,872
41015 standard
Latonia, KY
Pop: 20,864
41014 standard
Covington, KY
Pop: 6,942
41016 standard
Covington, KY
Pop: 6,075

Related Areas

Kenton County Independence, KY Kentucky

Frequently Asked Questions

What county is ZIP code 41051 in? ▼
ZIP code 41051 (Independence) 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 41051? ▼
ZIP code 41051 in Independence, KY has a population of 26,796 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 41051? ▼
The median household income in ZIP 41051 is $104,201, which is 37% above the national average of $76,288.
What is the average home value in ZIP 41051? ▼
The median home value in ZIP 41051 is $268,900, which is 3% below the national average of $278,155.
What is the demographic makeup of ZIP 41051? ▼
The largest racial group in ZIP 41051 is White at 92.3%. Hispanic or Latino residents make up 2.1% of the population.
How many businesses are in ZIP code 41051? ▼
ZIP code 41051 has 328 business establishments employing approximately 5,994 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 41051? ▼
The top industries by establishment count in ZIP 41051 are: Retail trade (46), Professional, scientific, and technical services (40), Construction (38). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 41051? ▼
According to the FHFA House Price Index, home values in ZIP 41051 increased by 4.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 102%. 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 41051? ▼
In ZIP code 41051, 65.0% of residents aged 25+ have a high school diploma or higher, and 37.9% 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 41051? ▼
The mean commute time for workers in ZIP code 41051 is 27.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 41051? ▼
In ZIP code 41051, approximately 87.5% of occupied housing units are owner-occupied and 12.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 41051? ▼
The poverty rate in ZIP code 41051 is 7.4% 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.