41042Florence, Kentucky

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 41042.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 41% of 6,210 published ZIP areas59
SchoolsTop 47% of 4,422 published ZIP areas54
Housing affordabilityTop 22% of 6,685 published ZIP areas95
Climate3616th of 6,789 published ZIP areas69
Physical resilienceTop 17% of 6,709 published ZIP areas85
AccessTop 21% of 6,791 published ZIP areas98
Economic stabilityTop 31% of 6,742 published ZIP areas70
The quick read

Unemployment is 4.7% and median household income $79,712, putting employment conditions in the middle range of published ZIP profiles.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 41042 in the top 17% for physical resilience.

A major airport is 4 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
57,634
2024 ACS 5-Year
Median household income
$79,712
Top 38% nationally
Density
2,606/sq mi
22.1 sq mi of land
Median age
38.7
2024 ACS 5-Year
City
Florence
Kentucky
Metro area
Cincinnati, OH-KY-IN
Nearest major airport
CVG
4 mi · Cincinnati/Northern Kentucky Intl
Median home value
$223,000
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.7% is lower than 40% of the 6,544 measured US ZIP areas.

Employment fell 0.2% over the past year, to 16,931 employed residents.

MetricValueCompared with peersSource period
Median household income ±$3,580$79,712Top 38%2024 ACS 5-Year
Per capita income ±$2,288$40,238Top 39%2024 ACS 5-Year
Poverty rate8.9%Bottom 42%2024 ACS 5-Year
Average commute25.0 minBottom 35%2024 ACS 5-Year
Bachelor's degree or higher27.7%Top 39%2024 ACS 5-Year
Employment16,931Bottom 14%June 2026
Employment change (3 years)2.7%Top 18%June 2026
Employment change (year over year)-0.2%Top 32%June 2026
Labor force17,762Bottom 14%June 2026
Labor force participation66.3%Top 27%2024 ACS 5-Year
Mean annual wage$67,370Top 49%2025 OEWS
Median annual wage$50,170Bottom 49%2025 OEWS
Unemployment change (year over year)0.6%Top 23%June 2026
Unemployment rate4.7%Top 40%June 2026
Median household income, successive ACS releases
202120222023202480k69k
Each point is a separate five-year estimate, most recently $79,712 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Cincinnati, OH-KY-IN
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers30,950$29,720
General and Operations Managers29,330$100,670
Retail Salespersons28,670$30,810
Registered Nurses28,520$83,650
Stockers and Order Fillers26,870$37,810
Laborers and Freight, Stock, and Material Movers, Hand22,910$40,240

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Florence, KY, the city containing this ZIP code.

32% of students met the state standard in mathematics and 42% in reading, across the schools here that reported results.

There are 13.9 students for every full-time teacher, fewer than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
13.9
across all schools here
Math proficiency
32.2%
Top 46% in Kentucky
Reading proficiency
41.9%
Bottom 42% in Kentucky
SchoolDistrictStudentsPer teacherMathReading
Boone County High SchoolBoone County1,25214.6
Ockerman Elementary SchoolBoone County77713.627%32%
Erpenbeck Elementary SchoolBoone County76416.364%69%
Rector A. Jones Middle SchoolBoone County68312.68%32%
Ockerman Middle SchoolBoone County67414.732%57%
Florence Elementary SchoolBoone County61013.925%33%
Hillard Collins Elementary SchoolBoone County57112.422%24%
A M Yealey Elementary SchoolBoone County53413.045%40%

51.9% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Kentucky’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,351 takes 20% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
20.3%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$1,351
2024 ACS 5-Year
Median home value
$223,000
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.80Bottom 40%2024 ACS 5-Year
Homeownership rate66.8%Bottom 24%2024 ACS 5-Year
Housing units ±71523,734Top 2%2024 ACS 5-Year
Median gross rent ±$41$1,351Top 28%2024 ACS 5-Year
Median home value ±$6,590$223,000Top 49%2024 ACS 5-Year
Rent as a share of income20.3%Top 33%2024 ACS 5-Year
Vacancy rate3.9%Bottom 17%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →

No building-permit activity is published for this location by the Census Building Permits Survey.

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 86°F and January a low of 23°F.

Normal annual precipitation is 45.3 inches, including 23.3 inches of snow.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CINCINNATI NORTHERN KY AP, 4.1 miles from this location.
Precipitation
JFMAMJJASOND4.8"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation45.3"1991-2020 Normals
Annual snowfall23.3"1991-2020 Normals
Average January low23°F1991-2020 Normals
Average July high86°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing45°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

85 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado and earthquake.

TornadoHigh
EarthquakeModerate

Low or minimal exposure: strong wind, cold wave, lightning, ice storm, inland flooding, winter weather, heat wave, hail, landslide, wildfire, drought, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Boone County records 2.7 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 9.3 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 10.7 per 100,000 residents in Boone County.

Homicide
2.7
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.3
per 100,000 residents · under 10 deaths
Drug overdose
10.7
per 100,000 residents · under 10 deaths
Suicide
15.7
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Boone County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 41042 rather than 41042 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

4 major airports lie within 100 miles, the nearest 4 miles away.

AirportCodeDistanceLongest runway
Cincinnati/Northern Kentucky IntlCVG4 mi10,000 ft
Wilmington Air ParkILN55 mi10,701 ft
James M Cox Dayton IntlDAY67 mi8,502 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

41042 vs Florence

How this ZIP area compares with Florence as a whole. Both figures come from the same ACS release, so the comparison is like for like.

41042
Florence
Median household income
$79,712
vs
$71,003
Per capita income
$40,238
vs
$40,622
Population density
2,606/sq mi
vs
2,935/sq mi
Median home value
$223,000
vs
$210,700
Median gross rent
$1,351
vs
$1,329
Homeownership rate
66.8%
vs
57.5%
Bachelor's degree or higher
27.7%
vs
26.4%
Poverty rate
8.9%
vs
9.5%
Median age
38.7
vs
38.9

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.