Population & age
- Total population
- 20,769
- Median age
- 47.1
Oldham County · Louisville/Jefferson County, KY-IN · Population 20,769
Louisville/Jefferson County Metro Government, KY (ZIP 40059) sits in Oldham County within the Louisville/Jefferson County metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 2 schools serving the area, 2 non-charter. IRS data shows average household income (AGI) of $230,228, well above the ~$45K national average per return. Social vulnerability is low in this ZIP at the 7th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 26 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Premature-mortality burden is comparatively low at 5,389 years of potential life lost per 100,000 (County Health Rankings, 2025). 38.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. 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 $167,193, fair market rent of $1,910 for a two-bedroom, and a typical home value of $616,082, up 3.6% 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.
Studio
$1,450
/month
1 Bed
$1,570
/month
2 Bed
$1,910
/month
3 Bed
$2,440
/month
4 Bed
$2,840
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$616,082
Zillow Home Value Index (ZHVI) · as of March 2026
+3.6%
vs. March 2025
+35.3%
vs. March 2021
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 units permitted
3,265
Across 1,615 permitted buildings. Total construction value: $661.3M.
Single-family
1,519
47% of total units
Multifamily (2+ unit)
1,746
53% of total units
Single-family value
$436.4M
construction value
Multifamily value
$224.9M
construction value
Apartment construction (5+ unit buildings) accounts for 51% of new units this year — the area is densifying, not just adding single-family stock.
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.
Tax returns filed
10,200
Average AGI
$230,228
Avg property tax
$1,720
EITC participation
3.8%
Income distribution
Avg mortgage interest
$2,378
Avg charitable contribution
$4,345
Avg capital gains
$18,165
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 $2348.3M across all reported brackets.
Business establishments
518
Total employment
3,608
Annual payroll
$180.0M
Average annual pay
$49,890
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.
Average annual pay
$68,157
Average weekly wage
$1,311
Total employment
17,474
Total establishments
2,480
That is roughly 4% above 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 rate
4.2%
That is 0.2 percentage points above the US national unemployment rate of about 4.0%.
Labor force
34,966
Employed
33,494
Unemployed
1,472
Based on Oldham 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.
FDIC-insured bank branches
6
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$462.9M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
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.
Public EV charging stations
2
Limited EV charging
A small number of public charging stations — viable for EV ownership with home charging, but minimal redundancy.
Level 2 ports
6
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
Other
1
Biodiesel, E85, LNG, RD
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Federally Declared Disasters
26
Date Range
1974–2026
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
Individual Assistance
6
Direct help to disaster survivors
Households Program
8
Housing & temporary lodging support
Public Assistance
22
Repair of public facilities & roads
Hazard Mitigation
13
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.
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
58°F
48.5° – 67.6°
Annual precipitation
48"
Annual snowfall
4.3"
Heating · cooling days
4,140.6 · 1,642.4
Annual base 65°F
Nearest station: LOUISVILLE MCALPINE, KY US, 12.6 miles from the centroid of Louisville/Jefferson County Metro Government, KY (ZIP 40059)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
43
GoodPeak AQI (2024)
136
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
242 days as main pollutant
Days measured
242
Based on Oldham County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
5,389
That is roughly 2,811 years per 100,000 below 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
14%
of adults self-report
Poor physical health days
3.7
avg per adult per month
Poor mental health days
4.7
avg per adult per month
Uninsured
3.6%
of residents under 65
Primary care MDs
60
per 100,000 residents
Preventable hospital stays
2,228
per 100K Medicare enrollees
Food environment (0-10)
9.1
10 = best access & security
Exercise access
92%
residents near a facility
Flu vaccinated
53%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 5.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Oldham 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 status
Significant food access concerns
38.8% of Oldham County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.06
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.34
accepting food benefits
Fast-food restaurants
0.40
per 1,000 residents
Among low-income residents, 5.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Oldham 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).
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 · 2 reports
Property crime rate
—
per 100K residents · 0 reports
Homicide
0
Robbery
0
Burglary
0
Vehicle theft
0
County-level data for Jefferson (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.
Net migration (2022-2023)
▲+450 people
−68 households • +$1.3M net AGI flow
Moved in
2,457households
4,954 people • $260.3M AGI
Moved out
2,525households
4,504 people • $259.0M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $105,950 versus departing households' $102,578.
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.
State-level rules that apply to every resident of ZIP 40059. Numbers reflect the most recent published year per source.
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 40059: Applied to this ZIP's typical home value of $616,082, that works out to roughly $4,564/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
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 in Louisville/Jefferson County Metro Government
Nearby ZIPs by distance
40241 (Louisville/Jefferson County Metro Government, 3.9 mi) · 40025 (Glenview, 5.3 mi) · 40242 (Lyndon, 5.5 mi) · 40026 (Goshen, 5.7 mi) · 40056 (Pewee Valley, 6.1 mi) · 47130 (Jeffersonville, 6.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
6.2%
No national benchmark available.
31.5%
No national benchmark available.
73.6%
No national benchmark available.
75.8%
No national benchmark available.
79.2%
No national benchmark available.
2 schools serve this ZIP, including 2 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Goshen At Hillcrest Elementary School | Public | 0–5 | 673 |
| Norton Commons Elementary | Public | -1–5 | 578 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Louisville/Jefferson County Metro Government, KY (ZIP 40059) sits in Oldham County within the Louisville/Jefferson County metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 2 schools serving the area, 2 non-charter. IRS data shows average household income (AGI) of $230,228, well above the ~$45K national average per return. Social vulnerability is low in this ZIP at the 7th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 26 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Premature-mortality burden is comparatively low at 5,389 years of potential life lost per 100,000 (County Health Rankings, 2025). 38.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. 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 $167,193, fair market rent of $1,910 for a two-bedroom, and a typical home value of $616,082, up 3.6% 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.
2 schools serve this ZIP, including 2 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 40059 by NCES CCD (retrieved Apr 27, 2026).
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 27, 2026).
20,769 people live in ZIP 40059, with a median age of 47.1 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$167,193 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 40059, 89.7% of occupied housing units are owner-occupied and 10.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 40059, 17.9% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
2.1% of the population in ZIP 40059 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
96.7% of households in ZIP 40059 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 40059 is $616,082, up 3.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are up 3.6% over the past year and up 35.3% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 40059 (Louisville/Jefferson County Metro Government, KY) is $230,228 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 40059 report an average of $1,720 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
31.9% of tax returns from ZIP 40059 (Louisville/Jefferson County Metro Government, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 518 business establishments operated in ZIP 40059 employing 3,608 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 40059 is $49,890, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 40059 ranks in the 7th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40059, ranking in the 32th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 26 federal disaster declarations affecting ZIP 40059 between 1974–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 40059, accounting for 13 of 26 declarations (50%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 40059 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
ZIP 40059 has an average annual temperature of 58.0°F and 48.0" of annual precipitation based on the LOUISVILLE MCALPINE, KY US weather station 12.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 40059 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).
Kentucky has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Kentucky runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (2 schools), 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 (26 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.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. 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 (26 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 in Louisville/Jefferson County Metro Government
Nearby ZIPs by distance
40241 (Louisville/Jefferson County Metro Government, 3.9 mi) · 40025 (Glenview, 5.3 mi) · 40242 (Lyndon, 5.5 mi) · 40026 (Goshen, 5.7 mi) · 40056 (Pewee Valley, 6.1 mi) · 47130 (Jeffersonville, 6.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 40059?
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
7th percentile
Low Vulnerability
Based on 7 census tracts, population 19,164
Vulnerability Themes
Households Without Vehicle
125
Limited English Speakers
88
Persons with Disability
1,616
Without HS Diploma
229
Without Health Insurance
259
Adults Age 65+
4,125
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.