ZIP Code 40212 — Louisville city, KY Demographics & Data

ZIP code 40212 covers Louisville, KY in Jefferson County with a population of about 15,160.

At a glance, the area shows median age of 38.5 (near the U.S. median).

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

Median household income in ZIP 40212 is about $35,389 — about 53% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 34.8%; unemployment rate near 10.9%; 12.7% of adults with a bachelor’s degree or higher (about 21.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Food services; about 9.9% of workers reporting work-from-home (about 5.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $78,100 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $664 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 49.8% (about 15.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40212 in Louisville, KY, a household would need roughly $22,000 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 $502. That sits below the local median household income ($35,389), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 48.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 566 for ZIP 40212 (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.