40324Georgetown, Kentucky

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 40324.

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 38% of 6,210 published ZIP areas60
SchoolsTop 47% of 4,422 published ZIP areas54
Housing affordabilityTop 19% of 6,685 published ZIP areas96
ClimateTop 32% of 6,789 published ZIP areas74
Physical resilienceTop 19% of 6,709 published ZIP areas83
Access6094th of 6,791 published ZIP areas68
Economic stabilityTop 35% of 6,742 published ZIP areas68
The quick read

Unemployment is 4.8% and median household income $85,110, putting employment conditions in the middle range of published ZIP profiles.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 18% of median household income and the median home is 3.4 times it.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 40324 in the top 19% for physical resilience.

At a glance

Population
53,406
2024 ACS 5-Year
Median household income
$85,110
Top 32% nationally
Density
344/sq mi
155.3 sq mi of land
Median age
35.3
2024 ACS 5-Year
City
Georgetown
Kentucky
Metro area
Lexington-Fayette, KY
Nearest major airport
CVG
56 mi · Cincinnati/Northern Kentucky Intl
Median home value
$289,100
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.8% is lower than 35% of the 6,544 measured US ZIP areas.

Employment fell 0.5% over the past year, to 20,604 employed residents.

36% of adults hold a four-year degree, higher than 74% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$3,656$85,110Top 32%2024 ACS 5-Year
Per capita income ±$1,324$40,850Top 37%2024 ACS 5-Year
Poverty rate11.0%Top 48%2024 ACS 5-Year
Average commute23.9 minBottom 29%2024 ACS 5-Year
Bachelor's degree or higher35.5%Top 26%2024 ACS 5-Year
Employment20,604Bottom 20%June 2026
Employment change (3 years)3.3%Top 12%June 2026
Employment change (year over year)-0.5%Top 41%June 2026
Labor force21,642Bottom 20%June 2026
Labor force participation68.8%Top 18%2024 ACS 5-Year
Mean annual wage$62,210Bottom 28%2025 OEWS
Median annual wage$48,620Bottom 31%2025 OEWS
Unemployment change (year over year)0.5%Top 31%June 2026
Unemployment rate4.8%Top 35%June 2026
Median household income, successive ACS releases
202120222023202485k72k
Each point is a separate five-year estimate, most recently $85,110 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 — Lexington-Fayette, KY
OccupationPeople employedMedian annual wage
Miscellaneous Assemblers and Fabricators8,650$59,730
General and Operations Managers8,100$80,440
Registered Nurses8,070$79,040
Retail Salespersons7,810$30,100
Fast Food and Counter Workers5,500$27,990
Laborers and Freight, Stock, and Material Movers, Hand5,500$41,910

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 Georgetown, KY, the city containing this ZIP code.

33% of students met the state standard in mathematics and 44% in reading, across the schools here that reported results.

There are 16.3 students for every full-time teacher, more than in most measured places.

Public schools
15
2024-25 school year
Students per teacher
16.3
across all schools here
Math proficiency
32.9%
Top 41% in Kentucky
Reading proficiency
44.1%
Top 46% in Kentucky
SchoolDistrictStudentsPer teacherMathReading
Great Crossing High SchoolScott County1,67721.0
Scott County High SchoolScott County1,39219.9
Scott County Middle SchoolScott County83717.442%62%
Royal Spring Middle SchoolScott County71915.332%57%
Western Elementary SchoolScott County62315.249%49%
Creekside ElementaryScott County57415.124%42%
Georgetown Middle SchoolScott County55514.217%42%
Lemons Mill Elementary SchoolScott County54014.222%31%
Eastern Elementary SchoolScott County53516.239%36%
Southern Elementary SchoolScott County46214.022%28%
Northern Elementary SchoolScott County41414.342%46%
Anne Mason Elementary SchoolScott County39012.623%24%

50.1% 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 $1,246 takes 18% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.4 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
17.6%
Below the 30% cost-burdened threshold
Home price to income
3.4×
median home value ÷ median income
Median gross rent
$1,246
2024 ACS 5-Year
Median home value
$289,100
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.40Top 42%2024 ACS 5-Year
Homeownership rate69.4%Bottom 28%2024 ACS 5-Year
Housing units ±27221,027Top 3%2024 ACS 5-Year
Median gross rent ±$59$1,246Top 33%2024 ACS 5-Year
Median home value ±$8,783$289,100Top 35%2024 ACS 5-Year
Rent as a share of income17.6%Bottom 49%2024 ACS 5-Year
Vacancy rate4.6%Bottom 21%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

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 87°F and January a low of 25°F.

Normal annual precipitation is 49.8 inches, including 14.5 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 LEXINGTON BLUEGRASS AP, 14.5 miles from this location.
Precipitation
JFMAMJJASOND5.4"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation49.8"1991-2020 Normals
Annual snowfall14.5"1991-2020 Normals
Average January low25°F1991-2020 Normals
Average July high87°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing43°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

83 / 100
Physical resilience

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

Strong windModerate
TornadoModerate
EarthquakeModerate
Cold waveModerate

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

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.

Scott County records 3.5 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 13.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 16.6 per 100,000 residents in Scott County.

Homicide
3.5
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
13.9
per 100,000 residents · under 10 deaths
Drug overdose
16.6
per 100,000 residents · under 10 deaths
Suicide
16.6
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 Scott 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 40324 rather than 40324 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

3 major airports lie within 100 miles, the nearest 56 miles away.

AirportCodeDistanceLongest runway
Cincinnati/Northern Kentucky IntlCVG56 mi10,000 ft
Louisville Muhammad Ali IntlSDF65 mi11,887 ft
Wilmington Air ParkILN91 mi10,701 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.

Customize your score

What matters to you?

Choose what you weight most heavily. Nothing is saved to an account — your preferences stay in this browser, and the Area Score never changes.

Area Score
Your Score

Select one or more priorities to see how this location scores against them.

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.

40324 vs Georgetown

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

40324
Georgetown
Median household income
$85,110
vs
$80,088
Per capita income
$40,850
vs
$36,391
Population density
344/sq mi
vs
2,211/sq mi
Median home value
$289,100
vs
$265,400
Median gross rent
$1,246
vs
$1,255
Homeownership rate
69.4%
vs
62.3%
Bachelor's degree or higher
35.5%
vs
34.1%
Poverty rate
11.0%
vs
12.1%
Median age
35.3
vs
32.7

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.