ZIP Code 41051 — Independence city, KY Demographics & Data

ZIP code 41051 covers Independence, KY in Kenton County with a population of about 32,192.

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-4; the CINCINNATI media market.

Median household income in ZIP 41051 is about $100,169 — about 33% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 2.5%; 38.5% of adults with a bachelor’s degree or higher (about 4.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 12.3% of workers reporting work-from-home (about 2.9 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 $241,600 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,066 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 86.4% (about 21.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41051 in Independence, KY, a household would need roughly $67,000 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 $1,552. That sits below the local median household income ($100,169), 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 Independence city, KY as Relatively Low (composite score 77.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (76.2) and wildfire (20.9). 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 Independence city, KY show little to no average snow and around 45.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,202 for ZIP 41051 (Independence 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.