St. Matthews, KY population, income and ZIP codes

St. Matthews city is a mid-size town in Kentucky, with 17,491 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #25 of 554 ranked by population — larger than 95% of them. The median age here is 37.9 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in St. Matthews city earn a median of $80,716 a year, 2.8% above the national figure of $78,538 and 46% above the $55,469 median for the 246 Kentucky cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in St. Matthews city is valued at $325,700, 7.4% above the national figure and 107% above the $157,200 peer median, while median gross rent runs $1,253 a month, 10.9% below the national figure, or roughly $15,036 across a full year. A household on the local median income would put about 18.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 52.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.