ZIP Code 40204 — Louisville city, KY Demographics & Data

ZIP code 40204 covers Louisville, KY in Jefferson County with a population of about 14,018.

At a glance, the area shows median age of 38.8 (near the U.S. median).

It sits in telephone area code 502; U.S. House district KY-3; the LOUISVILLE media market.

Louisville, KY sits in a university / college context (near bellarmine university (1.7 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 40204 is about $70,706 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.7%; unemployment rate near 4.3%; 63.0% of adults with a bachelor’s degree or higher (about 29.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 17.1% of workers reporting work-from-home (about 1.9 points above 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 $314,700 — about 10% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,050 (about 10% below the U.S. median rent ($1,163)), and owner-occupancy near 51.4% (about 14.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40204 in Louisville, KY, a household would need roughly $87,000 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 $2,022. That is about 23% above the local median household income ($70,706), so the median earner would likely stretch or need a larger down payment. 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 Louisville city, KY as Relatively High (composite score 98.3), which is among the highest nationally. The strongest component scores on US5 are flood (99.1) and wildfire (56.1). 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 Louisville city, KY show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 523 for ZIP 40204 (Louisville 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.