Population & age
- Total population
- 45,181
- Median age
- 36.2
Fayette County · Lexington-Fayette, KY · Population 45,181
Lexington-Fayette, KY (ZIP 40509) sits in Fayette County within the Lexington-Fayette metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 9 schools serving the area, 9 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $13,502. IRS data shows average household income (AGI) of $98,609, well above the ~$45K national average per return. FDIC counts 25 bank branches across 19 institutions in this ZIP (Summary of Deposits, 2024) — a high-density banking core. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Per IRS migration filings (2022-2023), the area's primary county lost $137,367,000 in net taxable income to other counties. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $90,503, fair market rent of $1,610 for a two-bedroom, and a typical home value of $398,579, up 1.2% 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
$1,120
/month
1 Bed
$1,370
/month
2 Bed
$1,610
/month
3 Bed
$2,210
/month
4 Bed
$2,460
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$398,579
Zillow Home Value Index (ZHVI) · as of March 2026
+1.2%
vs. March 2025
+36.2%
vs. March 2021
Lexington-Fayette, KY
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
1,196
Across 597 permitted buildings. Total construction value: $188.1M.
Single-family
554
46% of total units
Multifamily (2+ unit)
642
54% of total units
Single-family value
$136.5M
construction value
Multifamily value
$51.6M
construction value
Apartment construction (5+ unit buildings) accounts for 50% 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
21,090
Average AGI
$98,609
Avg property tax
$450
EITC participation
12.4%
Income distribution
Avg mortgage interest
$855
Avg charitable contribution
$1,240
Avg capital gains
$4,877
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 $2079.7M across all reported brackets.
Business establishments
1,534
Total employment
28,229
Annual payroll
$1.5B
Average annual pay
$51,574
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
$64,489
Average weekly wage
$1,240
Total employment
204,412
Total establishments
15,142
That is roughly 1% 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 rate
4.2%
That is 0.2 percentage points above the US national unemployment rate of about 4.0%.
Labor force
175,744
Employed
168,371
Unemployed
7,373
Based on Fayette 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
25
Excellent banking access
A high concentration of branches — typical of downtown or commercial-core ZIPs.
Total deposits
$3.2B
across all branches in this ZIP
Distinct institutions
19
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.
Federally funded health-center sites
2
Multiple health-center sites
A handful of federally funded community health centers serve residents — typical of mid-density suburban and small-urban areas.
FQHC sites
2
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
35
across sites in this ZIP
Sites in this ZIP
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Public EV charging stations
6
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
5
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
Other
3
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.
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
58
across outlets in this ZIP
Avg square feet
33,168
per outlet
Outlets in this ZIP
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Overall SVI
29th percentile
Moderate Vulnerability
Based on 16 census tracts, population 44,772
Vulnerability Themes
Households Without Vehicle
664
Limited English Speakers
1,363
Persons with Disability
4,523
Without HS Diploma
1,641
Without Health Insurance
2,398
Adults Age 65+
5,863
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.
Federally Declared Disasters
29
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
7
Direct help to disaster survivors
Households Program
8
Housing & temporary lodging support
Public Assistance
26
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.
Median daily AQI
41
GoodPeak AQI (2024)
77
Moderate
Primary pollutant
Ozone
191 days as main pollutant
Days measured
336
Based on Fayette 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)
9,021
That is roughly 821 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
19%
of adults self-report
Poor physical health days
4.0
avg per adult per month
Poor mental health days
5.2
avg per adult per month
Uninsured
7.6%
of residents under 65
Primary care MDs
120
per 100,000 residents
Preventable hospital stays
2,626
per 100K Medicare enrollees
Food environment (0-10)
7.9
10 = best access & security
Exercise access
97%
residents near a facility
Flu vaccinated
55%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Fayette 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
Moderate food access challenges
20.7% of Fayette County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.20
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.78
accepting food benefits
Fast-food restaurants
0.93
per 1,000 residents
Among low-income residents, 7.0% 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 Fayette 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).
Net migration (2022-2023)
▼−1,441 people
−210 households • −$137.4M net AGI flow
Moved in
11,925households
18,283 people • $715.7M AGI
Moved out
12,135households
19,724 people • $853.0M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $60,014 versus departing households' $70,296.
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.
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
11.7%
No national benchmark available.
37.2%
No national benchmark available.
67.9%
No national benchmark available.
66.1%
No national benchmark available.
75.5%
No national benchmark available.
9 schools serve this ZIP, including 9 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Frederick Douglass High School | Public | 9–12 | 1,538 |
| Edythe Jones Hayes Middle School | Public | 6–8 | 1,142 |
| Liberty Elementary | Public | 0–5 | 703 |
| Garrett Morgan Elementary | Public | 0–5 | 664 |
| Athens-Chilesburg Elementary | Public | 0–5 | 543 |
Showing top 5 by enrollment. 4 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges in this area
8
Median in-state tuition
$13,502
Median earnings (10 yr)
$33,193
Lexington, KY · 40506
Lexington, KY · 40508
Lexington, KY · 40508
Lexington, KY · 40517
Lexington, KY · 40514
Lexington, KY · 40505
Lexington, KY · 40503
Lexington, KY · 40503
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Lexington-Fayette, KY (ZIP 40509) sits in Fayette County within the Lexington-Fayette metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 9 schools serving the area, 9 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $13,502. IRS data shows average household income (AGI) of $98,609, well above the ~$45K national average per return. FDIC counts 25 bank branches across 19 institutions in this ZIP (Summary of Deposits, 2024) — a high-density banking core. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Per IRS migration filings (2022-2023), the area's primary county lost $137,367,000 in net taxable income to other counties. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $90,503, fair market rent of $1,610 for a two-bedroom, and a typical home value of $398,579, up 1.2% 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.
These readings invert. Education density is the headline; healthcare access numbers suggest provider choice and coverage are worth shopping carefully. The two domains don’t move together at the ZIP level — both deserve their own due diligence rather than a single judgment.
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.
9 schools serve this ZIP, including 9 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 40509 by NCES CCD (retrieved Apr 27, 2026).
Yes, 3 high schools serve this ZIP: Frederick Douglass High School, Carter G. Woodson Academy, Ridge Hospital Alt. High School. (NCES CCD, retrieved Apr 27, 2026).
45,181 people live in ZIP 40509, with a median age of 36.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$90,503 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 40509, 62.1% of occupied housing units are owner-occupied and 37.9% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 40509, 10.0% of workers work from home. Public transit is used by 0.3% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
6.8% of the population in ZIP 40509 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
94.3% of households in ZIP 40509 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 40509 is $398,579, up 1.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are up 1.2% over the past year and up 36.2% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 40509 (Lexington-Fayette, KY) is $98,609 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 40509 report an average of $450 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
10.1% of tax returns from ZIP 40509 (Lexington-Fayette, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 1,534 business establishments operated in ZIP 40509 employing 28,229 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 40509 is $51,574, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 40509 ranks in the 29th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Racial & Ethnic Minority Status is the highest-scoring CDC SVI theme for ZIP 40509, ranking in the 48th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 29 federal disaster declarations affecting ZIP 40509 between 1974–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 40509, accounting for 11 of 29 declarations (38%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 40509 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
8 colleges and universities are listed near ZIP 40509 by the U.S. Department of Education College Scorecard, including University Of Kentucky, Bluegrass Community And Technical College, and Transylvania University (retrieved May 2, 2026).
Median in-state tuition across 8 nearby institutions is $13,502 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $33,193 ten years after entry (College Scorecard, retrieved May 2, 2026).
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (9 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (8 institutions), 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), and federal disaster declarations from FEMA OpenFEMA (29 on record). 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. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. 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 (29 on record).
Nearby ZIPs: more ZIP code profiles launching Q3 2026.
Have a specific question about ZIP 40509?
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.