ZIP Code 40041 — Louisville city, KY Demographics & Data

ZIP code 40041 covers Louisville, KY in Jefferson County with a population of about 518.

At a glance, the area shows median age of 83.2 versus a U.S. median of about 38.9.

It sits in telephone area code 502; U.S. House district KY-3; the LOUISVILLE media market.

Louisville, KY sits in a university / college context (near the southern baptist theological seminary (1.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

On socioeconomic markers, US5 shows a poverty rate of 11.6%; unemployment rate near 0.0%; 42.1% of adults with a bachelor’s degree or higher (about 8.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare; a mean commute of about 9.0 minutes (U.S. average near 26.8).

Median home value is about $592,900 — about 70% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $998 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 16.7% (about 48.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40041 in Louisville, KY, a household would need roughly $163,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,809. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Louisville city, KY as Relatively High (composite score 98.3), which is among the highest nationally. The strongest component scores on US5 are flood (99.1) and wildfire (56.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Louisville city, KY show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 40041 (Louisville city, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.