ZIP Code 41091 — Union city, KY Demographics & Data

ZIP code 41091 covers Union, KY in Boone County with a population of about 24,371.

At a glance, the area shows median age of 38.3 (near the U.S. median).

It sits in telephone area code 859; U.S. House district KY-4; the CINCINNATI media market.

Median household income in ZIP 41091 is about $134,621 — about 79% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.4%; unemployment rate near 1.5%; 53.5% of adults with a bachelor’s degree or higher (about 19.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 15.2% of workers reporting work-from-home (roughly in line with 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 $364,300 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,369 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 92.9% (about 27.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41091 in Union, KY, a household would need roughly $100,000 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 $2,340. That sits below the local median household income ($134,621), 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 Union city, KY as Relatively Low (composite score 74.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (66.4) and wildfire (24.7). 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 Union 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 910 for ZIP 41091 (Union 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.