ZIP Code 41016 — Ludlow city, KY Demographics & Data

ZIP code 41016 covers Ludlow, KY in Kenton County with a population of about 5,794.

At a glance, the area shows median age of 37.9 (near the U.S. median).

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

Ludlow, KY sits in a university / college context (near art academy of cincinnati (2.3 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 41016 is about $61,748 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.7%; unemployment rate near 4.6%; 28.8% of adults with a bachelor’s degree or higher (about 4.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Retail trade; about 11.5% of workers reporting work-from-home (about 3.7 points below 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 $151,300 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $828 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 70.6% (about 5.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41016 in Ludlow, KY, a household would need roughly $42,000 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 $972. That sits below the local median household income ($61,748), 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 Ludlow 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 Ludlow city, KY show little to no average snow and around 48.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 216 for ZIP 41016 (Ludlow 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.