ZIP code 40214

ZIP 40214 is a small city in Jefferson County, Kentucky, with 45,986 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #7 of 779 ranked by population — larger than 99% of them. The median age here is 35.6 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 ZIP 40214 earn a median of $53,563 a year, 31.8% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 18.6% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 40214 is valued at $176,700, 41.8% below the national figure, while median gross rent runs $950 a month, 32.4% below the national figure, or roughly $11,400 across a full year. A household on the local median income would put about 21.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 54.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.

ZIP 40214 is tabulated inside Jefferson County, Kentucky, one of 38 ZIP areas the Census publishes for that county and 779 across Kentucky. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 40214 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40214 reports a median household income of $53,563, 23% below the $69,640 county median, and close to the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $176,700, 20% below the county figure and 35% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $950 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 40214 carries 6% at the register, assembled from the Louisville jurisdiction stack: the Kentucky state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 40214 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 40214 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.