Population & age
- Total population
- 2,035
- Median age
- 49.8
ZIP 40003, KY (40003)
Shelby County · Louisville/Jefferson County, KY-IN · Population 2,035
Fresh.Data current as of Apr 24, 2026
KY 40003 (ZIP 40003) sits in Shelby County within the Louisville/Jefferson County metro area. The page draws on 1 federal data feed retrieved Apr 24. Health-survey coverage is limited for this ZIP. No NCES schools are mapped to this ZIP in the current dataset. IRS data shows average household income (AGI) of $74,483, well above the ~$45K national average per return. Social vulnerability is low in this ZIP at the 18th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 33 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 8-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. New residents arriving here predominantly come from Jefferson County, KY (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $78,125, fair market rent of $1,260 for a two-bedroom, and a typical home value of $233,800, down 5.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 92.9%
- Black
- 4.6%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
- Other / multi-racial
- 2.6%
Income & housing
- Median household income
- $78,125
- Median home value
- $269,800
Education
- Bachelor's degree or higher (age 25+)
- 22.7%
Employment
- Unemployment rate
- 2.4%
Housing
- Owner-occupied
- 579(83.7%)
- Renter-occupied
- 113(16.3%)
- Vacant units
- 34
- Built (median)
- 1993
Commute
- Public transit
- 0(0.0%)
- Work from home
- 108(11.7%)
- Avg commute
- 35.4 min
Economic wellbeing
- Below poverty line
- 268(13.4%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 542(78.3%)
- No broadband
- 150(21.7%)
Language & nativity
- Foreign-born
- 29(1.4%)
- Non-English at home
- 16(0.8%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,040
/month
1 Bed
$1,130
/month
2 Bed
$1,260
/month
3 Bed
$1,560
/month
4 Bed
$1,870
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$233,800
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-5.6%
vs. March 2025
5-year change
-3.3%
vs. March 2021
Metro area
Louisville/Jefferson County, KY-IN
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
360
Across 360 permitted buildings. Total construction value: $115.9M.
Single-family
360
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$115.9M
construction value
Multifamily value
$0
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
920
Average AGI
$74,483
Avg property tax
$183
EITC participation
10.9%
Income distribution
- $1 – $25,00026.1% · 240
- $25,000 – $50,00023.9% · 220
- $50,000 – $75,00014.1% · 130
- $75,000 – $100,00012.0% · 110
- $100,000 – $200,00019.6% · 180
- $200,000 or more4.3% · 40
Avg mortgage interest
$554
Avg charitable contribution
$449
Avg capital gains
$1,445
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $68.5M across all reported brackets.
Business & employment
Business establishments
24
Total employment
211
Annual payroll
$7.6M
Average annual pay
$36,043
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$55,073
Average weekly wage
$1,059
Total employment
16,556
Total establishments
1,594
That is roughly 16% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.1%
That tracks the US national unemployment rate of about 4.0%.
Labor force
25,819
Employed
24,748
Unemployed
1,071
Based on Shelby County, KY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Louisville/Jefferson County, KY--IN
Reporting agencies
2
Largest: Louisville WHEELS Transportation, Inc
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federal Disaster Declarations
Federally Declared Disasters
33
Date Range
1972–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3633)
Incident period: January 23, 2026 – January 27, 2026
Top Incident Types
- Severe Storm14 (42%)
- Flood6 (18%)
- Tornado3 (9%)
- Snowstorm3 (9%)
- Biological2 (6%)
- Other5 (15%)
Individual Assistance
6
Direct help to disaster survivors
Households Program
6
Housing & temporary lodging support
Public Assistance
33
Repair of public facilities & roads
Hazard Mitigation
19
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
56.3°F
46.3° – 66.3°
Annual precipitation
49.8"
Annual snowfall
14.5"
Heating · cooling days
4,432.4 · 1,289
Annual base 65°F
Nearest station: LEXINGTON BLUEGRASS AP, KY US, 28.8 miles from the centroid of ZIP 40003 (ZIP 40003)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
8,676
That is roughly 476 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
18%
of adults self-report
Poor physical health days
4.3
avg per adult per month
Poor mental health days
5.0
avg per adult per month
Uninsured
7.0%
of residents under 65
Primary care MDs
35
per 100,000 residents
Preventable hospital stays
2,771
per 100K Medicare enrollees
Food environment (0-10)
9.0
10 = best access & security
Exercise access
70%
residents near a facility
Flu vaccinated
50%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Shelby data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
0.7% of Shelby County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.08
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.71
accepting food benefits
Fast-food restaurants
0.65
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Shelby County, KY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 18 reports
Property crime rate
—
per 100K residents · 159 reports
Homicide
3
Robbery
1
Burglary
21
Vehicle theft
34
County-level data for Shelby (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+295 people
+131 households • +$33.3M net AGI flow
Moved in
1,740households
3,182 people • $136.1M AGI
Moved out
1,609households
2,887 people • $102.8M AGI
Where new residents came from
- Jefferson County, KY — 564 households
- Henry County, KY — 74 households
- Spencer County, KY — 73 households
- Franklin County, KY — 66 households
- Oldham County, KY — 63 households
Where departing residents went
- Jefferson County, KY — 391 households
- Henry County, KY — 86 households
- Franklin County, KY — 85 households
- Spencer County, KY — 64 households
- Oldham County, KY — 45 households
Incoming households reported an average AGI of $78,222 versus departing households' $63,864.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Kentucky
State-level rules that apply to every resident of ZIP 40003. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.00%
State 6.00% · avg local 0.00%
Property tax (effective)
0.74%
Median $2,003/year
Tax burden rank
23 of 50
9.80% of personal income
For ZIP 40003: Applied to this ZIP's typical home value of $233,800, that works out to roughly $1,732/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 40003
Nearby ZIPs by distance
40057 (Pleasureville, 7.3 mi) · 40019 (Eminence, 9.7 mi) · 40601 (Frankfort, 9.9 mi) · 40065 (Shelbyville, 10 mi) · 40036 (10.7 mi) · 40076 (11.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
11.5%
No national benchmark available.
Short Sleep Duration
40.0%
No national benchmark available.
Colorectal Cancer Screening
69.6%
No national benchmark available.
Dental Visit
61.2%
No national benchmark available.
Mammography
70.7%
No national benchmark available.
What these numbers say together
KY 40003 (ZIP 40003) sits in Shelby County within the Louisville/Jefferson County metro area. The page draws on 1 federal data feed retrieved Apr 24. Health-survey coverage is limited for this ZIP. No NCES schools are mapped to this ZIP in the current dataset. IRS data shows average household income (AGI) of $74,483, well above the ~$45K national average per return. Social vulnerability is low in this ZIP at the 18th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 33 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 8-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. New residents arriving here predominantly come from Jefferson County, KY (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $78,125, fair market rent of $1,260 for a two-bedroom, and a typical home value of $233,800, down 5.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Both surfaces skew lighter than national averages. That isn’t a verdict — small-area estimates compress real neighborhood-level texture, and a single ZIP reading can miss a district line or a hospital corridor sitting just outside it. Treat this as a starting point for fieldwork, not a conclusion.
Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 40003
What is the population of ZIP 40003?
2,035 people live in ZIP 40003, with a median age of 49.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40003?
$78,125 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40003 mostly renters or homeowners?
In ZIP 40003, 83.7% of occupied housing units are owner-occupied and 16.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40003?
In ZIP 40003, 11.7% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40003?
13.4% of the population in ZIP 40003 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40003 have broadband internet?
78.3% of households in ZIP 40003 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40003?
The typical home value in ZIP 40003 is $233,800, down 5.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40003?
Home values are down 5.6% over the past year and down 3.3% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40003?
The average Adjusted Gross Income reported on tax returns from ZIP 40003 (KY 40003) is $74,483 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40003?
Tax returns from ZIP 40003 report an average of $183 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40003 earn over $200,000?
4.3% of tax returns from ZIP 40003 (KY 40003) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 40003?
As of 2022, 24 business establishments operated in ZIP 40003 employing 211 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40003?
The average annual pay across all local establishments in ZIP 40003 is $36,043, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40003 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40003 ranks in the 18th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40003?
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 40003, ranking in the 33th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40003 experienced?
FEMA has recorded 33 federal disaster declarations affecting ZIP 40003 between 1972–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40003?
Severe Storm is the most common federally declared disaster type affecting ZIP 40003, accounting for 14 of 33 declarations (42%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40003?
The most recent FEMA disaster declaration affecting ZIP 40003 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What is the climate like in ZIP 40003?
ZIP 40003 has an average annual temperature of 56.3°F and 49.8" of annual precipitation based on the LEXINGTON BLUEGRASS AP, KY US weather station 28.8 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 40003 have public transit?
Yes — ZIP 40003 is part of the Louisville/Jefferson County, KY--IN urbanized area, primarily served by Louisville WHEELS Transportation, Inc (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 40003?
Kentucky has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Does Kentucky have paid family leave?
Kentucky runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 40003?
This page covers health outcomes from CDC PLACES (5 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (33 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (33 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 40003
Nearby ZIPs by distance
40057 (Pleasureville, 7.3 mi) · 40019 (Eminence, 9.7 mi) · 40601 (Frankfort, 9.9 mi) · 40065 (Shelbyville, 10 mi) · 40036 (10.7 mi) · 40076 (11.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 40003?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
18th percentile
Low Vulnerability
Based on 3 census tracts, population 2,424
Vulnerability Themes
Households Without Vehicle
13
Limited English Speakers
4
Persons with Disability
343
Without HS Diploma
141
Without Health Insurance
162
Adults Age 65+
378
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.