ZIP Code 40299 — Louisville/Jefferson County metro government (balance), KY Demographics & Data

ZIP code 40299 covers Louisville/Jefferson County metro government (balance), KY in Jefferson County with a population of about 41,724.

At a glance, the area shows median age of 39.7 (near the U.S. median).

It sits in telephone area code 502; U.S. House district KY-2; the LOUISVILLE media market.

Median household income in ZIP 40299 is about $85,419 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 3.1%; 41.4% of adults with a bachelor’s degree or higher (about 7.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 13.7% of workers reporting work-from-home (about 1.5 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 $274,900 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,090 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 73.8% (about 8.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40299 in Louisville/Jefferson County metro government (balance), KY, a household would need roughly $76,000 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 $1,766. That sits below the local median household income ($85,419), 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/Jefferson County metro government (balance), 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/Jefferson County metro government (balance), KY show little to no average snow and around 53.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,558 for ZIP 40299 (Louisville/Jefferson County metro government (balance), 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.