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 High-density area
- $104,201
- Median income Above-median income area
- $268,900
- Median home value Near-median home value
- 37.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 41051 (Independence, KY) rose +4.6% from 2023 to 2024. The all-transactions index moved from 192.6 in 2023 to 201.5 in 2024 (2000 = 100).
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 average Kentucky ZIP), while per-capita income is $41,465. The poverty rate is 7.4%, with unemployment at 4.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $268,900 (69% above the average Kentucky ZIP), while 87.5% of occupied homes are owner-occupied and median rent is $1,291.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Kenton County, so 41051 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 41051
Top 5 sectors by establishment count in Independence, KY
Which industries have the most business establishments in ZIP 41051.
- Retail trade
Retail trade
46 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
40 establishments
- Construction
Construction
38 establishments
- Health care and social assistance
Health care and social assistance
35 establishments
- Accommodation and food services
Accommodation and food services
30 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 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
Who lives in ZIP 41051?
36.1
Median Age
50.7%
Male
49.3%
Female
3.2%
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?
$104,201
Median Household Income
+75% vs state ZIP avg
$41,465
Per Capita Income
7.4%
Poverty Rate
4.0%
Unemployment Rate
27.4 min
Mean Commute Time
How ZIP 41051 ranks among Kentucky ZIPs
Independence, 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)
$104,201 Top 4% higher than 96% 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
11,526housing units
11,526
Total Housing Units
11,280
Occupied Units
246
Vacant Units
2.93
Avg Household Size
Occupancy Type
$268,900
Median Home Value
+69% vs state ZIP avg
$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.
- 41042
Florence (41042)
49,968 residents
- 41017
Ft Mitchell (41017)
38,940 residents
- 41018
Erlanger (41018)
27,345 residents
- 41051
Independence (41051)
26,796 residents
- 41011
Covington (41011)
25,872 residents
- 41015
Latonia (41015)
20,864 residents
- 41001 16,412
Alexandria (41001)
16,412 residents
- 41094 13,631
Walton (41094)
13,631 residents
- 41014 6,942
Covington (41014)
6,942 residents
What this shows Among its immediate neighbors, ZIP 41051 ranks #4 by population - useful context the national average alone can't give.
ZIP 41051 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 41051
Independence (41051)
$104,201 median income
- 41001
Alexandria (41001)
$102,447 median income
- 41017
Ft Mitchell (41017)
$97,274 median income
- 41094
Walton (41094)
$96,515 median income
- 41063
Morning View (41063)
$80,469 median income
- 41042
Florence (41042)
$79,712 median income
- 41011
Covington (41011)
$69,970 median income
- 41018
Erlanger (41018)
$68,605 median income
- 41015
Latonia (41015)
$65,683 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 41051, 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 (26,796 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 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.
Related
Take this with you
What to do with ZIP 41051's numbers, next.
- See how ZIP 41051 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Independence, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.