Population & age
- Total population
- 51,579
- Median age
- 40.2
Frankfort, KY (40601)
Franklin County · Population 51,579
Fresh.Data current as of Apr 24, 2026
Frankfort, KY (ZIP 40601) sits in Franklin County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 18 schools serving the area, 18 non-charter. 1 college or university serves the area, with median in-state tuition of $9,387. IRS data shows average household income (AGI) of $66,079, well above the ~$45K national average per return. FEMA has issued 41 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. County Health Rankings reports 11,856 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 7-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 Fayette County, KY (IRS SOI Migration, 2022-2023). 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 $63,296, fair market rent of $1,090 for a two-bedroom, and a typical home value of $240,477, down 0.7% 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.
Demographics
Race & ethnicity
- White
- 82.0%
- Black
- 8.8%
- Asian
- 1.7%
- Hispanic / Latino
- 3.9%
- Other / multi-racial
- 7.2%
Income & housing
- Median household income
- $63,296
- Median home value
- $185,000
Education
- Bachelor's degree or higher (age 25+)
- 29.2%
Employment
- Unemployment rate
- 4.8%
Housing
- Owner-occupied
- 14,412(63.5%)
- Renter-occupied
- 8,279(36.5%)
- Vacant units
- 1,480
- Built (median)
- 1977
Commute
- Public transit
- 284(1.2%)
- Work from home
- 2,708(11.1%)
- Avg commute
- 17.7 min
Economic wellbeing
- Below poverty line
- 6,542(13.1%)
- Uninsured
- 431(0.8%)
Digital access
- Broadband access
- 18,861(83.1%)
- No broadband
- 3,830(16.9%)
Language & nativity
- Foreign-born
- 2,067(4.0%)
- Non-English at home
- 2,973(6.1%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$800
/month
1 Bed
$880
/month
2 Bed
$1,090
/month
3 Bed
$1,420
/month
4 Bed
$1,690
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$240,477
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-0.7%
vs. March 2025
5-year change
+38.6%
vs. March 2021
Metro area
Frankfort, 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 construction
New housing units permitted
527
Across 517 permitted buildings. Total construction value: $173.6M.
Single-family
511
97% of total units
Multifamily (2+ unit)
16
3% of total units
Single-family value
$171.3M
construction value
Multifamily value
$2.3M
construction value
Aggregated from 4 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
24,870
Average AGI
$66,079
Avg property tax
$134
EITC participation
16.6%
Income distribution
- $1 – $25,00027.6% · 6,860
- $25,000 – $50,00027.8% · 6,920
- $50,000 – $75,00016.0% · 3,970
- $75,000 – $100,00010.4% · 2,580
- $100,000 – $200,00015.1% · 3,760
- $200,000 or more3.1% · 780
Avg mortgage interest
$250
Avg charitable contribution
$576
Avg capital gains
$3,372
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 $1643.4M across all reported brackets.
Business & employment
Business establishments
1,220
Total employment
16,870
Annual payroll
$792.7M
Average annual pay
$46,989
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
$60,163
Average weekly wage
$1,157
Total employment
34,824
Total establishments
2,802
That is roughly 8% 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
4.6%
That is 0.6 percentage points above the US national unemployment rate of about 4.0%.
Labor force
26,229
Employed
25,033
Unemployed
1,196
Based on Franklin 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.
Banking access
FDIC-insured bank branches
22
Strong banking access
Multiple institutions and offices within easy reach of residents.
Total deposits
$1.1B
across all branches in this ZIP
Distinct institutions
12
different banks operating here
Top banks by deposits in this ZIP
- 1.WesBanco Bank, Inc.$362.3M · 4 branches
- 2.Traditional Bank, Inc.$149.8M · 2 branches
- 3.Independence Bank of Kentucky$105.2M · 2 branches
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.
Community health centers
Federally funded health-center sites
6
Strong health-center coverage
Several federally funded community health centers operate here, giving residents real choice in primary-care providers.
FQHC sites
6
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
42.6
across sites in this ZIP
Sites in this ZIP
- 1.Second Street Healthy Kids Clinic
- 2.Women's Care of the Bluegrass
- 3.Family Care of the Bluegrass-West
+ 3 more 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.
Alternative-fuel stations
Public EV charging stations
13
Strong EV charging coverage
A robust public-charging footprint, including multiple networks. EV ownership is straightforward even without a home charger.
Level 2 ports
19
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- ChargePoint Network
- Non-Networked
- Tesla
- + 1 more network
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.
Public libraries
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 central
Avg hours / week
57
across outlets in this ZIP
Avg square feet
56,184
per outlet
Outlets in this ZIP
- 1.Paul Sawyier Public Library
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.
Social Vulnerability Index
Overall SVI
44th percentile
Moderate Vulnerability
Based on 24 census tracts, population 50,507
Vulnerability Themes
- Socioeconomic Status44th percentile
- Household Characteristics55th percentile
- Racial & Ethnic Minority Status29th percentile
- Housing Type & Transportation44th percentile
Households Without Vehicle
1,295
Limited English Speakers
799
Persons with Disability
8,681
Without HS Diploma
2,911
Without Health Insurance
3,426
Adults Age 65+
8,934
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.
Federal Disaster Declarations
Federally Declared Disasters
41
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 Storm20 (49%)
- Flood7 (17%)
- Snowstorm4 (10%)
- Tornado3 (7%)
- Biological2 (5%)
- Other5 (12%)
Individual Assistance
7
Direct help to disaster survivors
Households Program
8
Housing & temporary lodging support
Public Assistance
39
Repair of public facilities & roads
Hazard Mitigation
26
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.
Community health profile
Years of potential life lost (per 100K)
11,856
That is roughly 3,656 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
4.4
avg per adult per month
Poor mental health days
5.3
avg per adult per month
Uninsured
6.5%
of residents under 65
Primary care MDs
37
per 100,000 residents
Preventable hospital stays
2,861
per 100K Medicare enrollees
Food environment (0-10)
7.4
10 = best access & security
Exercise access
73%
residents near a facility
Flu vaccinated
45%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Franklin 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
Moderate food access challenges
24.8% of Franklin County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.12
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.03
accepting food benefits
Fast-food restaurants
0.82
per 1,000 residents
Among low-income residents, 8.8% 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 Franklin 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).
Who’s moving in and out
Net migration (2022-2023)
▲+154 people
+100 households • −$5.9M net AGI flow
Moved in
1,876households
3,031 people • $90.7M AGI
Moved out
1,776households
2,877 people • $96.6M AGI
Where new residents came from
- Fayette County, KY — 214 households
- Scott County, KY — 146 households
- Anderson County, KY — 144 households
- Jefferson County, KY — 100 households
- Shelby County, KY — 85 households
Where departing residents went
- Fayette County, KY — 194 households
- Anderson County, KY — 121 households
- Scott County, KY — 100 households
- Jefferson County, KY — 93 households
- Shelby County, KY — 66 households
Incoming households reported an average AGI of $48,344 versus departing households' $54,370.
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.
Data sources used on this page
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
14.8%
No national benchmark available.
Short Sleep Duration
40.5%
No national benchmark available.
Colorectal Cancer Screening
68.8%
No national benchmark available.
Dental Visit
60.9%
No national benchmark available.
Mammography
75.6%
No national benchmark available.
Schools in this ZIP
18 schools serve this ZIP, including 18 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Franklin County High School | Public | 9–12 | 965 |
| Western Hills High School | Public | 9–12 | 861 |
| Elkhorn Middle School | Public | 6–8 | 824 |
| Bondurant Middle School | Public | 6–8 | 642 |
| Second Street School | Public | 0–8 | 576 |
Showing top 5 by enrollment. 13 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 & universities nearby
Colleges in this area
1
Median in-state tuition
$9,387
Median earnings (10 yr)
$36,382
- 4-Year
Kentucky State University
Frankfort, KY · 40601
- In-state tuition
- $9,387
- Out-of-state tuition
- $13,658
- Acceptance rate
- 96.1%
- Graduation rate
- 29.5%
- Median earnings (10 yr)
- $36,382
- Median student debt
- $25,938
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.
What these numbers say together
Frankfort, KY (ZIP 40601) sits in Franklin County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 18 schools serving the area, 18 non-charter. 1 college or university serves the area, with median in-state tuition of $9,387. IRS data shows average household income (AGI) of $66,079, well above the ~$45K national average per return. FEMA has issued 41 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. County Health Rankings reports 11,856 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 7-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 Fayette County, KY (IRS SOI Migration, 2022-2023). 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 $63,296, fair market rent of $1,090 for a two-bedroom, and a typical home value of $240,477, down 0.7% 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.
Frequently Asked Questions — ZIP 40601
How many schools are in ZIP 40601?
18 schools serve this ZIP, including 18 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 40601 have charter schools?
No charter schools are listed in ZIP 40601 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 40601?
Yes, 7 high schools serve this ZIP: Franklin County High School, Western Hills High School, Frankfort High School, and 4 more. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 40601?
51,579 people live in ZIP 40601, with a median age of 40.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40601?
$63,296 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40601 mostly renters or homeowners?
In ZIP 40601, 63.5% of occupied housing units are owner-occupied and 36.5% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40601?
In ZIP 40601, 11.1% of workers work from home. Public transit is used by 1.2% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40601?
13.1% of the population in ZIP 40601 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40601 have broadband internet?
83.1% of households in ZIP 40601 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40601?
The typical home value in ZIP 40601 is $240,477, down 0.7% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40601?
Home values are down 0.7% over the past year and up 38.6% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40601?
The average Adjusted Gross Income reported on tax returns from ZIP 40601 (Frankfort, KY) is $66,079 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40601?
Tax returns from ZIP 40601 report an average of $134 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40601 earn over $200,000?
3.1% of tax returns from ZIP 40601 (Frankfort, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 40601?
As of 2022, 1,220 business establishments operated in ZIP 40601 employing 16,870 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40601?
The average annual pay across all local establishments in ZIP 40601 is $46,989, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40601 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40601 ranks in the 44th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40601?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40601, ranking in the 55th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40601 experienced?
FEMA has recorded 41 federal disaster declarations affecting ZIP 40601 between 1972–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40601?
Severe Storm is the most common federally declared disaster type affecting ZIP 40601, accounting for 20 of 41 declarations (49%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40601?
The most recent FEMA disaster declaration affecting ZIP 40601 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 40601?
1 college or university is listed near ZIP 40601 by the U.S. Department of Education College Scorecard, including Kentucky State University (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 40601?
Median in-state tuition across 1 nearby institution is $9,387 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 40601?
Graduates of nearby colleges earn a median of $36,382 ten years after entry (College Scorecard, retrieved May 2, 2026).
What data is available for ZIP 40601?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (18 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 (1 institution), 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 (41 on record). Data is refreshed on Mubboo's standard schedule.
How current is this data?
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 (41 on record).
More Info topics
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.