ZIP Code 40509 — Lexington-Fayette urban county, KY Demographics & Data

ZIP code 40509 covers Lexington-Fayette urban county, KY in Fayette County with a population of about 45,135.

At a glance, the area shows median age of 36.5 versus a U.S. median of about 38.9.

It sits in telephone area code 859; U.S. House district KY-6; the LEXINGTON media market.

Median household income in ZIP 40509 is about $89,429 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.7%; unemployment rate near 3.5%; 57.0% of adults with a bachelor’s degree or higher (about 23.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 11.3% of workers reporting work-from-home (about 3.9 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 $338,200 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,128 (about 3% below the U.S. median rent ($1,163)), and owner-occupancy near 61.9% (about 3.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40509 in Lexington-Fayette urban county, KY, a household would need roughly $93,000 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 $2,173. That is roughly in line with the local median household income ($89,429). 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 Lexington-Fayette urban county, KY as Relatively Moderate (composite score 92.0), which is among the highest nationally. The strongest component scores on US5 are flood (92.7) and hurricane (57.0). 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 Lexington-Fayette urban county, KY show little to no average snow and around 49.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,685 for ZIP 40509 (Lexington-Fayette urban county, 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.