40245Louisville/Jefferson County, Kentucky

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 40245.

Area Score unavailable

Missing required signals: opportunity, growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
Housing affordabilityTop 25% of 6,685 published ZIP areas93
ClimateTop 28% of 6,789 published ZIP areas76
Physical resilience3555th of 6,709 published ZIP areas55
Access4082nd of 6,791 published ZIP areas90
Economic stabilityTop 27% of 6,742 published ZIP areas72
The quick read

Rent takes 16% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 3.6 times that income.

A typical July reaches 88°F and a typical January falls to 27°F, on thirty-year normals.

A major airport is 17 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
39,835
2024 ACS 5-Year
Median household income
$122,948
Top 9% nationally
Density
1,222/sq mi
32.6 sq mi of land
Median age
40.8
2024 ACS 5-Year
City
Louisville/Jefferson County
Kentucky
Metro area
Louisville/Jefferson County, KY-IN
Nearest major airport
SDF
17 mi · Louisville Muhammad Ali Intl
Median home value
$445,300
2024 ACS 5-Year

Jobs & opportunity

59% of adults hold a four-year degree, higher than 93% of measured US ZIP areas.

Household income is higher than at least 91% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$8,539$122,948Top 9%2024 ACS 5-Year
Per capita income ±$3,894$62,005Top 10%2024 ACS 5-Year
Poverty rate6.4%Bottom 27%2024 ACS 5-Year
Average commute26.3 minBottom 42%2024 ACS 5-Year
Bachelor's degree or higher59.3%Top 7%2024 ACS 5-Year
Labor force participation63.0%Top 41%2024 ACS 5-Year
Mean annual wage$62,310Bottom 28%2025 OEWS
Median annual wage$48,370Bottom 28%2025 OEWS
Median household income, successive ACS releases
2021202220232024123k111k
Each point is a separate five-year estimate, most recently $122,948 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 — Louisville/Jefferson County, KY-IN
OccupationPeople employedMedian annual wage
Laborers and Freight, Stock, and Material Movers, Hand29,400$46,830
Miscellaneous Assemblers and Fabricators20,920$48,440
Registered Nurses18,180$84,850
Retail Salespersons17,540$30,660
General and Operations Managers16,830$89,140
Stockers and Order Fillers16,410$37,610

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.

There are 16.8 students for every full-time teacher, more than in most measured places.

Public schools
2
2024-25 school year
Students per teacher
16.8
across all schools here
Math proficiency
2019-20 school year
Reading proficiency
2019-20 school year
SchoolDistrictStudentsPer teacherMathReading
Stopher ElementaryJefferson County78118.642%60%
Echo Trail Middle SchoolJefferson County69715.2

24.0% 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 $1,688 takes 16% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.6 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
16.5%
Below the 30% cost-burdened threshold
Home price to income
3.6×
median home value ÷ median income
Median gross rent
$1,688
2024 ACS 5-Year
Median home value
$445,300
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.62Top 36%2024 ACS 5-Year
Homeownership rate77.0%Bottom 45%2024 ACS 5-Year
Housing units ±79315,493Top 8%2024 ACS 5-Year
Median gross rent ±$119$1,688Top 16%2024 ACS 5-Year
Median home value ±$8,892$445,300Top 16%2024 ACS 5-Year
Rent as a share of income16.5%Bottom 41%2024 ACS 5-Year
Vacancy rate2.9%Bottom 12%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 88°F and January a low of 27°F.

Normal annual precipitation is 48.1 inches.

Air quality measures a median index of 50, in the Good band, and about 12 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station LOUISVILLE BOWMAN FLD, 12.1 miles from this location.
Precipitation
JFMAMJJASOND5.2"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index71.02024 calendar year
Annual precipitation48.1"1991-2020 Normals
Average January low27°F1991-2020 Normals
Average July high88°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 100122024 calendar year
Median air quality index50.02024 calendar year
Seasonal temperature swing44°F1991-2020 Normals
Air quality
Median air quality index
50
Good on a typical day
Worst tenth of days
71
90th percentile index
Days above 100
12
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

55 / 100
Physical resilience

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

EarthquakeElevated
Inland floodingModerate

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

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.

Jefferson County records 14.5 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 22.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 30.4 per 100,000 residents in Jefferson County.

Homicide
14.5
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
22.0
per 100,000 residents · under 10 deaths
Drug overdose
30.4
per 100,000 residents · under 10 deaths
Suicide
14.1
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 Jefferson 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 40245 rather than 40245 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

2 major airports lie within 100 miles, the nearest 17 miles away.

AirportCodeDistanceLongest runway
Louisville Muhammad Ali IntlSDF17 mi11,887 ft
Cincinnati/Northern Kentucky IntlCVG68 mi10,000 ft
Owensboro/Daviess County RgnlOWB101 mi8,000 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
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
2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

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.

40245 vs Louisville/Jefferson County

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

40245
Louisville/Jefferson County
Median household income
$122,948
vs
$66,849
Per capita income
$62,005
vs
$39,683
Population density
1,222/sq mi
vs
2,402/sq mi
Median home value
$445,300
vs
$233,900
Median gross rent
$1,688
vs
$1,120
Homeownership rate
77.0%
vs
60.7%
Bachelor's degree or higher
59.3%
vs
33.8%
Poverty rate
6.4%
vs
15.8%
Median age
40.8
vs
37.7

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.