40209 ZIP Code — Louisville, KY

ZIP code 40209 covers Louisville, Kentucky, with a median household income of $52,697.

Median age: 39about the US average
Median household income: $52,69716% below the Kentucky median
Poverty rate: 20.1%7.7 points above the US average
Typical home value: $123,859
Median rent: $1,0831.2× the Kentucky median
Degree or higher: 5.6%29.4 points below the US average
Homeownership: 52.4%12.6 points below the US average
Time zone: Eastern UTC-05:00observes daylight saving time
Businesses: 206

Where 40209 is

Louisville, Kentucky — the area the Census Bureau draws for this ZIP code. ZIP codes are sets of delivery routes rather than areas, so this is the Census approximation of one, not a Postal Service boundary.

People and households

American Community Survey 2019–2023 five-year estimates

Median age	39
Family households	50.3%
Born outside the US	25.4%
Speaks a language other than English at home	32.6%
White (non-Hispanic)	48.9%
Black (non-Hispanic)	2.3%
Asian (non-Hispanic)	0%
Hispanic or Latino	32.6%
Veterans	3.6%

Population by age

Income and poverty

American Community Survey 2019–2023 five-year estimates

Median household income	$52,697
Income per person	$23,495
Poverty rate	20.1%
Households on SNAP or cash assistance	39.2%

Household income distribution

Under $10k	16.2%
$10–15k	6.4%
$15–20k	0.0%
$20–25k	4.7%
$25–30k	0.0%
$30–35k	2.4%
$35–40k	0.0%
$40–45k	13.2%
$45–50k	4.7%
$50–60k	30.1%
$60–75k	7.8%
$75–100k	12.8%
$100–125k	1.7%
$125–150k	0.0%
$150–200k	0.0%
$200k or more	0.0%

Income as declared to the IRS

Filed returns rather than survey responses, so this counts tax units and not households.

Tax returns filed	190
Mean adjusted gross income	$41,116
Returns declaring $200,000 or more	0%
Returns, under $25k	36.8%
Returns, $25k–$50k	42.1%
Returns, $50k–$75k	10.5%
Returns, $75k–$100k	10.5%
Returns, $100k–$200k	0.0%
Returns, $200k or more	0.0%

Housing

American Community Survey 2019–2023 five-year estimates

Median gross rent	$1,083
Rent as a share of household income	25.9%
Owner-occupied	52.4%
Vacant homes	6.3%
Median year built	1953

What the homes are

Detached house	92.7%
Attached house	7.3%

Home values and rents today

Zillow Home Value Index and Zillow Observed Rent Index, courtesy of Zillow. Monthly and current, where the Census figures above are a five-year average and are capped at $2,000,000.

Typical home value	$123,859as of 2026-07
Typical home value, 1 year	up 7.5%

Typical home value since 2000

$87,613 in 2022 to $123,859 in 2026.

Work, commuting and education

American Community Survey 2019–2023 five-year estimates

Unemployment rate	10.5%
Bachelor's degree or higher	5.6%
High school diploma or higher	67%
Works from home	0%
Drives to work alone	55.5%
Takes public transport	0%
Commutes 45 minutes or more	10.2%

Health

CDC PLACES 2025 release, model-based estimates. These are modelled small-area estimates for adults, not counts of diagnosed cases.

Colorectal screening	50.6% 13.7 pts below the national average of 64.3%
Visited a dentist	37.9% 23.4 pts below the national average of 61.3%
Mammography use	62.8% 13.1 pts below the national average of 75.9%
Sleeps under 7 hours	44.5% 8.1 pts above the national average of 36.4%
All natural teeth lost	39.8% 26.8 pts above the national average of 13%

Business and employment

Census ZIP Code Business Patterns 2022

Business establishments	206
People employed	5,156
Annual payroll	$253,372,000

Natural hazard risk

FEMA National Risk Index, estimated for this ZIP code from census tract data — the NRI is not published per ZIP.

Overall risk	Higher than 55.1% of US census tracts
FEMA rating	Very Low to Relatively High across the 5 census tracts this ZIP code covers
Expected annual loss	59.4 out of 100
Community resilience	68 out of 100

By hazard

Score is out of 100 and is the area-weighted average across the census tracts this ZIP code covers. The rating beside it is the highest any one of those tracts carries.

Earthquake	83.5Relatively High at its worst in this ZIP code
Tornado	74.6Very High at its worst in this ZIP code
River flooding	63.4Very High at its worst in this ZIP code
Hail	61.6Relatively Moderate at its worst in this ZIP code
Ice storm	46Relatively Low at its worst in this ZIP code
Drought	39.7Very Low at its worst in this ZIP code
Winter weather	36.8Relatively Moderate at its worst in this ZIP code
Wildfire	35Very Low at its worst in this ZIP code
Hurricane	23.4Very Low at its worst in this ZIP code
Cold wave	19.1Relatively Moderate at its worst in this ZIP code
Strong wind	15.7Relatively Low at its worst in this ZIP code
Landslide	11.5Very Low at its worst in this ZIP code
Heat wave	5.6Relatively Moderate at its worst in this ZIP code
Lightning	4.4Relatively Low at its worst in this ZIP code

Compared with Kentucky and the United States

State and national columns are figures for those areas, not for this ZIP code. American Community Survey 2019–2023 five-year estimates

	This ZIP	Kentucky	United States
Median household income	$52,697	$62,417	$78,538
Income per person	$23,495	$34,960	$43,289
Poverty rate	20.1%	16.1%	12.4%
Median home value	—	$192,300	$303,400
Median gross rent	$1,083	$933	$1,348
Homeownership	52.4%	68.3%	65%
Bachelor's degree or higher	5.6%	27%	35%
Unemployment rate	10.5%	4.8%	5.2%
Works from home	0%	9.1%	13.5%
Born outside the US	25.4%	4.4%	13.9%
Median age	39	39.1	38.7

Climate

NOAA US Climate Normals 1991-2020, from the nearest weather station with a full year of records. The station and its distance are named above, because a station forty kilometres away describes somewhere else.

Weather station	LOUISVILLE INTL AP, KY US1.5 km away
Rain in a year	48 in
Snow in a year	13 in

Average high and low by month

January	43.6°F / 27.8°F3.39 in rain, 4.5 in snow
February	48.3°F / 30.7°F3.41 in rain, 4.1 in snow
March	58.1°F / 38.6°F4.6 in rain, 2.1 in snow
April	69.6°F / 48.5°F4.8 in rain, 0.1 in snow
May	77.8°F / 58.7°F5.18 in rain
June	85.7°F / 67.2°F4.27 in rain
July	89°F / 70.8°F4.05 in rain
August	88.4°F / 69.5°F3.71 in rain
September	82.2°F / 61.9°F3.66 in rain
October	70.5°F / 50.1°F3.72 in rain, 0.1 in snow
November	57.6°F / 39.4°F3.42 in rain, 0.3 in snow
December	47.2°F / 32.1°F4.13 in rain, 2.2 in snow

School districts

NCES Geographic Relationship File 2025, which states the association between each district and each ZIP code tabulation area directly. Elementary and secondary districts can cover the same ground, so shares need not total 100%.

Jefferson County School District	100% of this ZIP code's land area

Community and walkability

CDC/ATSDR Social Vulnerability Index 2022 and the EPA National Walkability Index, both estimated for this ZIP code from census tract data. Vulnerability figures are national percentile ranks, not measurements.

Walkability	8.2 out of 20Below average

Nearby ZIP codes

The closest ZIP codes by centre point, which is not the same as sharing a border.

40215 Louisville, KY	2.9 km away
40217 Louisville, KY	3.2 km away
40208 Louisville, KY	3.5 km away
40213 Louisville, KY	3.7 km away
40214 Louisville, KY	4.1 km away
40210 Louisville, KY	5.6 km away
40204 Louisville, KY	5.7 km away
40201 Louisville, KY	6.6 km away

Location, counties and time zone

County shares from Census 2020 ZCTA relationship files. Time zone from the USDOT National Transportation Atlas, which renders the boundaries written into 49 CFR Part 71.

Jefferson County	100% of this ZIP code's land area
Time zone	Eastern (UTC-05:00 standard)
Daylight saving time	Observed
Land area	4.32 sq mi
Latitude, longitude	38.1901, -85.7519

Figures are published for this ZIP code or its Census tabulation area unless a section says otherwise. Estimates whose margin of error made them unreliable are omitted rather than shown. Sources: US Census Bureau, CDC, IRS.