ZIP Code 41011 — Covington city, KY Demographics & Data

ZIP code 41011 covers Covington, KY in Kenton County with a population of about 27,558.

At a glance, the area shows median age of 36.8 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 41011 is about $67,075 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.4%; unemployment rate near 4.1%; 43.7% of adults with a bachelor’s degree or higher (about 10.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 14.6% 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 $269,400 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $817 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 46.4% (about 19.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41011 in Covington, KY, a household would need roughly $74,000 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 $1,731. That is roughly in line with the local median household income ($67,075). 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 Covington 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 Covington city, KY show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,029 for ZIP 41011 (Covington 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.