Population & age
- Total population
- 31,799
- Median age
- 35.9
Independence, KY (41051)
Kenton County · Cincinnati, OH-KY-IN · Population 31,799
Fresh.Data current as of Apr 24, 2026
Independence, KY (ZIP 41051) sits in Kenton County within the Cincinnati metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 6 schools serving the area, 6 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $11,029. IRS data shows average household income (AGI) of $77,840, well above the ~$45K national average per return. Social vulnerability is low in this ZIP at the 14th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. The most recent FEMA disaster declaration here was winter storm-related (SEVERE WINTER STORM, 2026). Only 5.4% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. 36.4% 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 Boone 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 $94,503, fair market rent of $1,550 for a two-bedroom, and a typical home value of $329,624, up 2.8% 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
- 95.2%
- Black
- 0.9%
- Asian
- 1.5%
- Hispanic / Latino
- 0.9%
- Other / multi-racial
- 2.3%
Income & housing
- Median household income
- $94,503
- Median home value
- $223,900
Education
- Bachelor's degree or higher (age 25+)
- 35.1%
Employment
- Unemployment rate
- 3.6%
Housing
- Owner-occupied
- 9,520(85.6%)
- Renter-occupied
- 1,603(14.4%)
- Vacant units
- 333
- Built (median)
- 1998
Commute
- Public transit
- 91(0.5%)
- Work from home
- 1,462(8.6%)
- Avg commute
- 25.3 min
Economic wellbeing
- Below poverty line
- 2,282(7.2%)
- Uninsured
- 87(0.3%)
Digital access
- Broadband access
- 10,493(94.3%)
- No broadband
- 630(5.7%)
Language & nativity
- Foreign-born
- 744(2.3%)
- Non-English at home
- 962(3.3%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,100
/month
1 Bed
$1,200
/month
2 Bed
$1,550
/month
3 Bed
$2,050
/month
4 Bed
$2,260
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$329,624
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+2.8%
vs. March 2025
5-year change
+32.3%
vs. March 2021
Metro area
Cincinnati, OH-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
699
Across 399 permitted buildings. Total construction value: $290.3M.
Single-family
366
52% of total units
Multifamily (2+ unit)
333
48% of total units
Single-family value
$134.3M
construction value
Multifamily value
$156.0M
construction value
Apartment construction (5+ unit buildings) accounts for 41% of new units this year — the area is densifying, not just adding single-family stock.
Based on county-level data (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
15,200
Average AGI
$77,840
Avg property tax
$216
EITC participation
9.6%
Income distribution
- $1 – $25,00022.8% · 3,470
- $25,000 – $50,00020.0% · 3,040
- $50,000 – $75,00016.0% · 2,430
- $75,000 – $100,00012.4% · 1,880
- $100,000 – $200,00024.1% · 3,670
- $200,000 or more4.7% · 710
Avg mortgage interest
$404
Avg charitable contribution
$454
Avg capital gains
$809
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 $1183.2M across all reported brackets.
Business & employment
Business establishments
311
Total employment
5,981
Annual payroll
$236.2M
Average annual pay
$39,492
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
$71,985
Average weekly wage
$1,384
Total employment
74,672
Total establishments
5,970
That is roughly 10% 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
Unemployment rate
4.5%
That is 0.5 percentage points above the US national unemployment rate of about 4.0%.
Labor force
90,604
Employed
86,515
Unemployed
4,089
Based on Kenton 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
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$308.2M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
- 1.Fifth Third Bank, National Association$84.0M · 1 branch
- 2.The Huntington National Bank$82.5M · 1 branch
- 3.U.S. Bank National Association$75.0M · 1 branch
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.
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 branch
Avg hours / week
68
across outlets in this ZIP
Avg square feet
39,000
per outlet
Outlets in this ZIP
- 1.William E. Durr Branch
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
14th percentile
Low Vulnerability
Based on 10 census tracts, population 29,011
Vulnerability Themes
- Socioeconomic Status20th percentile
- Household Characteristics39th percentile
- Racial & Ethnic Minority Status9th percentile
- Housing Type & Transportation14th percentile
Households Without Vehicle
73
Limited English Speakers
291
Persons with Disability
3,367
Without HS Diploma
877
Without Health Insurance
996
Adults Age 65+
3,179
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
15
Date Range
1996–2026
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 Storm7 (47%)
- Biological2 (13%)
- Severe Ice Storm2 (13%)
- Winter Storm1 (7%)
- Flood1 (7%)
- Other2 (13%)
Individual Assistance
1
Direct help to disaster survivors
Households Program
2
Housing & temporary lodging support
Public Assistance
15
Repair of public facilities & roads
Hazard Mitigation
6
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)
8,771
That is roughly 571 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
17%
of adults self-report
Poor physical health days
4.0
avg per adult per month
Poor mental health days
5.0
avg per adult per month
Uninsured
5.4%
of residents under 65
Primary care MDs
87
per 100,000 residents
Preventable hospital stays
3,598
per 100K Medicare enrollees
Food environment (0-10)
7.9
10 = best access & security
Exercise access
86%
residents near a facility
Flu vaccinated
55%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Kenton 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
Significant food access concerns
36.4% of Kenton County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.11
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.67
accepting food benefits
Fast-food restaurants
0.61
per 1,000 residents
Among low-income residents, 7.3% 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 Kenton 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)
▲+621 people
+479 households • +$40.5M net AGI flow
Moved in
7,400households
11,991 people • $495.5M AGI
Moved out
6,921households
11,370 people • $455.0M AGI
Where new residents came from
- Boone County, KY — 1,499 households
- Hamilton County, OH — 1,039 households
- Campbell County, KY — 893 households
- Clermont County, OH — 159 households
- Grant County, KY — 148 households
Where departing residents went
- Boone County, KY — 1,473 households
- Hamilton County, OH — 895 households
- Campbell County, KY — 833 households
- Clermont County, OH — 148 households
- Grant County, KY — 141 households
Incoming households reported an average AGI of $66,955 versus departing households' $65,740.
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
10.4%
No national benchmark available.
Short Sleep Duration
36.7%
No national benchmark available.
Colorectal Cancer Screening
67.0%
No national benchmark available.
Dental Visit
68.2%
No national benchmark available.
Mammography
77.5%
No national benchmark available.
Schools in this ZIP
6 schools serve this ZIP, including 6 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Simon Kenton High School | Public | 9–12 | 1,818 |
| Summit View Academy | Public | -1–8 | 1,437 |
| Twenhofel Middle School | Public | 6–8 | 865 |
| Beechgrove Elementary School | Public | -1–5 | 661 |
| White's Tower Elementary School | Public | -1–5 | 631 |
Showing top 5 by enrollment. 1 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
10
Median in-state tuition
$11,029
Median earnings (10 yr)
$32,194
- 4-Year
Northern Kentucky University
Highland Heights, KY · 41099
- In-state tuition
- $11,088
- Out-of-state tuition
- $21,912
- Acceptance rate
- 67.7%
- Graduation rate
- 50.2%
- Median earnings (10 yr)
- $50,220
- Median student debt
- $23,000
- 2-Year
Gateway Community and Technical College
Florence, KY · 41042
- In-state tuition
- $4,728
- Out-of-state tuition
- $6,432
- Acceptance rate
- —
- Graduation rate
- 53.5%
- Median earnings (10 yr)
- $36,147
- Median student debt
- $10,711
- 2-Year
Maysville Community and Technical College
Maysville, KY · 41056
- In-state tuition
- $4,728
- Out-of-state tuition
- $6,432
- Acceptance rate
- —
- Graduation rate
- 53.6%
- Median earnings (10 yr)
- $32,194
- Median student debt
- $11,500
- 4-Year
Thomas More University
Crestview Hills, KY · 41017
- In-state tuition
- $39,800
- Out-of-state tuition
- $39,800
- Acceptance rate
- 90.3%
- Graduation rate
- 40.3%
- Median earnings (10 yr)
- $59,384
- Median student debt
- $26,236
- 4-Year
Beckfield College-Florence
Florence, KY · 41042
- In-state tuition
- $13,295
- Out-of-state tuition
- $13,295
- Acceptance rate
- —
- Graduation rate
- 31.1%
- Median earnings (10 yr)
- $37,114
- Median student debt
- $23,500
- Certificate
Kentucky Welding Institute
Flemingsburg, KY · 41041
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- —
- Median student debt
- —
- Certificate
Empire Beauty School-Florence
Florence, KY · 41042
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 66.7%
- Median earnings (10 yr)
- $23,925
- Median student debt
- $13,000
- 2-Year
Interactive College of Technology-Newport
Newport, KY · 41071
- In-state tuition
- $10,970
- Out-of-state tuition
- $10,970
- Acceptance rate
- —
- Graduation rate
- 35.9%
- Median earnings (10 yr)
- $27,065
- Median student debt
- $10,555
- Certificate
Ross Medical Education Center-Erlanger
Erlanger, KY · 41018
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 67.5%
- Median earnings (10 yr)
- $29,898
- Median student debt
- $9,500
- Certificate
Brighton Center's Center for Employment Training
Newport, KY · 41071
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 19.5%
- Median earnings (10 yr)
- $24,540
- Median student debt
- —
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
Independence, KY (ZIP 41051) sits in Kenton County within the Cincinnati metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 6 schools serving the area, 6 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $11,029. IRS data shows average household income (AGI) of $77,840, well above the ~$45K national average per return. Social vulnerability is low in this ZIP at the 14th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. The most recent FEMA disaster declaration here was winter storm-related (SEVERE WINTER STORM, 2026). Only 5.4% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. 36.4% 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 Boone 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 $94,503, fair market rent of $1,550 for a two-bedroom, and a typical home value of $329,624, up 2.8% 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 41051
How many schools are in ZIP 41051?
6 schools serve this ZIP, including 6 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 41051 have charter schools?
No charter schools are listed in ZIP 41051 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 41051?
Yes, 1 high school serves this ZIP: Simon Kenton High School. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 41051?
31,799 people live in ZIP 41051, with a median age of 35.9 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 41051?
$94,503 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 41051 mostly renters or homeowners?
In ZIP 41051, 85.6% of occupied housing units are owner-occupied and 14.4% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 41051?
In ZIP 41051, 8.6% of workers work from home. Public transit is used by 0.5% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 41051?
7.2% of the population in ZIP 41051 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 41051 have broadband internet?
94.3% of households in ZIP 41051 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 41051?
The typical home value in ZIP 41051 is $329,624, up 2.8% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 41051?
Home values are up 2.8% over the past year and up 32.3% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 41051?
The average Adjusted Gross Income reported on tax returns from ZIP 41051 (Independence, KY) is $77,840 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 41051?
Tax returns from ZIP 41051 report an average of $216 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 41051 earn over $200,000?
4.7% of tax returns from ZIP 41051 (Independence, 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 41051?
As of 2022, 311 business establishments operated in ZIP 41051 employing 5,981 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 41051?
The average annual pay across all local establishments in ZIP 41051 is $39,492, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 41051 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 41051 ranks in the 14th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 41051?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 41051, ranking in the 39th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 41051 experienced?
FEMA has recorded 15 federal disaster declarations affecting ZIP 41051 between 1996–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 41051?
Severe Storm is the most common federally declared disaster type affecting ZIP 41051, accounting for 7 of 15 declarations (47%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 41051?
The most recent FEMA disaster declaration affecting ZIP 41051 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 41051?
10 colleges and universities are listed near ZIP 41051 by the U.S. Department of Education College Scorecard, including Northern Kentucky University, Gateway Community And Technical College, and Maysville Community And Technical College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 41051?
Median in-state tuition across 10 nearby institutions is $11,029 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 41051?
Graduates of nearby colleges earn a median of $32,194 ten years after entry (College Scorecard, retrieved May 2, 2026).
What data is available for ZIP 41051?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (6 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 (10 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 (15 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 (15 on record).
More Info topics
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Have a specific question about ZIP 41051?
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.