40228 ZIP Code — Louisville, KY

Jefferson County, Kentucky

ZIP code 40228 is located in Louisville, Kentucky, within Jefferson County. It covers approximately 8.66 square miles and serves a population of 17,808 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.

About ZIP code 40228

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $210,500. Owner-occupancy is high at 79%, well above the national average.

Median household income is $74,025. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Overall, ZIP code 40228 reflects a community defined by high homeownership and a significant Social Security-dependent population.

17,808

population

8.66

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40228 ZIP code map

Cities in ZIP code 40228

Below are the cities the US Postal Service accepts for ZIP code 40228. Using any city not on this list may result in mail delivery delays.

City	Status
Louisville	Acceptable
Louisville	Preferred

Nearby ZIP codes

40291 Louisville (2.9 mi) 40219 Louisville (3.6 mi) 40229 Louisville (3.8 mi) 40218 Louisville (3.8 mi) 40220 Louisville (5.1 mi) 40213 Louisville (5.3 mi) 40299 Louisville (5.8 mi) 40205 Louisville (6.1 mi) 40209 Louisville (7.4 mi) 40118 Fairdale (7.5 mi) 40217 Louisville (7.8 mi) 40047 Mount Washington (8 mi)

Demographics updated 05/2026

Population
Total population	17,808
Population density	2,056 / sq mi
State FIPS	21
County FIPS	111

Geography
Land area	8.66 sq mi
Water area	0.06 sq mi
Latitude	38.1417
Longitude	-85.6270
Timezone	Eastern (ET)
Area code	502

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.1%	42.4%	47.9%
$50k – $100k	37.8%	31.3%	30.3%
$100k – $200k	24.0%	20.3%	17.6%
Over $200k	3.1%	6.0%	4.2%

Demographics & statistics

17,808

Population

2,056

People per sq mi

40.6

Median age

$74,025

Median household income

$37,014

Per capita income

$210,500

Median home value

$1,343

Median monthly rent

79.0%

Home ownership

7.9%

Poverty rate

3.6%

Unemployment

5,927

Housing units

25.6%

Bachelor's or higher

Age distribution

Male Female

536

Under 5

534

402

5–9

400

644

10–14

642

662

15–19

660

443

20–24

441

1,208

25–34

1,203

1,028

35–44

1,023

1,368

45–54

1,362

532

55–59

530

700

60–64

697

799

65–74

796

409

75–84

408

191

85+

190

← Male

Female →

Age summary

Group	Count	%
Under 18	3,959	22.2%
18 and over	13,849	77.8%
65 and over	2,793	15.7%
Median age	40.6 years

Race & ethnicity

White 66%

Black or African American 15.7%

Two or more races 7.8%

Hispanic or Latino 5.9%

Asian 2.4%

Other race 2.2%

Group	Count	%
White	12,493	66%
Black or African American	2,972	15.7%
Two or more races	1,479	7.8%
Hispanic or Latino	1,119	5.9%
Asian	449	2.4%
Other race	408	2.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.1%	42.4%	47.9%
$50k – $100k	37.8%	31.3%	30.3%
$100k – $200k	24.0%	20.3%	17.6%
Over $200k	3.1%	6.0%	4.2%

Under $10k 4.1%

$10k–$15k 2.1%

$15k–$25k 4.8%

$25k–$35k 6.1%

$35k–$50k 11.6%

$50k–$75k 22.7%

$75k–$100k 15.0%

$100k–$150k 18.7%

$150k–$200k 8.2%

$200k+ 6.6%

Range	% of households
Under $10k	4.1%
$10k–$15k	2.1%
$15k–$25k	4.8%
$25k–$35k	6.1%
$35k–$50k	11.6%
$50k–$75k	22.7%
$75k–$100k	15.0%
$100k–$150k	18.7%
$150k–$200k	8.2%
$200k+	6.6%
Median income	$74,025

Housing

Home values

Under $50k 2.4%

$50k–$100k 2.9%

$100k–$150k 11.8%

$150k–$200k 28.4%

$200k–$300k 38.7%

$300k–$500k 14.4%

$500k–$1M 1.0%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$210,500
Median rent / month	$1,343
Owner occupied	79.0%
Renter occupied	21.0%
Vacant	3.4%
Single-family detached	75.5%
Large apartment buildings	4.2%
Mobile homes	0.0%
Median rooms	6.2
Avg household size (owned)	2.40

Year built

Era	%
2020 or later	1.2%
2010–2019	9.3%
2000–2009	24.0%
1990–1999	11.7%
1980–1989	5.2%
1970–1979	16.3%
1960–1969	16.2%
1950–1959	11.6%
1940–1949	1.0%
1939 or earlier	3.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	5.1%
2 bedrooms	22.5%
3 bedrooms	45.8%
4 bedrooms	23.3%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	31.1%
2 vehicles	41.9%
3 or more	23.0%

Heating fuel

Fuel type	%
Utility gas	55.6%
Electricity	41.6%
Propane / LP gas	1.6%
Fuel oil	0.2%
Wood	0.3%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	3,360	46.8%
Cohabiting couple	432	6.0%
Male householder, no spouse	1,401	19.5%
Female householder, no spouse	1,989	27.7%
Households with children under 18	1,902	26.5%
Households with seniors (65+)	2,085	29.0%
Average household size	2.48

Marital status

Status	Male	Female
Never married	30.6%	27.7%
Married	53.0%	46.7%
Separated	3.4%	1.7%
Widowed	4.6%	9.1%
Divorced	8.4%	14.7%

Education

Less than 9th grade 3.3%

Some HS, no diploma 3.8%

HS graduate 30.1%

Some college, no degree 27.9%

Associate's degree 9.2%

Bachelor's degree 16.3%

Graduate / professional 9.3%

Metric	%
HS diploma or higher	92.9%
Bachelor's or higher	25.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	274	7.0%
Kindergarten	174	4.4%
Elementary school	1,516	38.5%
High school	987	25.1%
College / grad school	989	25.1%

Employment

Industry of employment

Education & healthcare 20.7%

Transportation & utilities 13.2%

Manufacturing 12.5%

Retail trade 12.5%

Arts, food & hospitality 11.0%

Professional & management 10.2%

Finance & real estate 9.1%

Construction 3.6%

Other services 2.9%

Public administration 2.1%

Wholesale trade 1.1%

Agriculture & mining 0.6%

Information 0.6%

Occupation

Category	%
Management, business & arts	36.4%
Service	14.8%
Sales & office	25.2%
Natural resources & construction	4.5%
Production & transportation	19.1%

Employment type

Type	%
Private sector	87.1%
Government	9.3%
Self-employed	3.4%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	77.7%
Carpool	8.7%
Public transit	0.8%
Walk	0.4%
Work from home	11.6%
Other means	0.8%
Avg commute (minutes)	22.9

Poverty

All people 7.9%

Under 18 years 7.8%

18 and over 7.9%

Married-couple families 4.8%

Female-led households 6.5%

Income support

Source	% of households
Social Security	30.8%
Retirement income	22.3%
Supplemental Security	3.3%
Cash public assistance	2.0%
Food stamps / SNAP	4.7%

Health indicators

Condition	%
Obesity	34.6%
High blood pressure	37.7%
High cholesterol	35.6%
Diabetes	10.1%
Heart disease	6.2%
Stroke	2.9%
Asthma	10.5%
Arthritis	26.7%
Kidney disease	2.7%
Pulmonary disease	7.7%
Cancer	6.4%

Behavior / access	%
Smoking	17.7%
Binge drinking	16.7%
No physical activity	25.2%
Less than 7 hrs sleep	34.4%
Depression	24.5%
Fair or poor health	15.3%
Poor mental health	16.6%
Poor physical health	11.4%
No health insurance	9.6%
Visited doctor (checkup)	76.0%
Visited dentist	65.2%
Cholesterol screening	91.1%
Teeth loss	11.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,028	7.4%

Disability	%
Any disability	11.3%
Under 18	2.2%
18–64 years	8.1%
65 and over	36.7%

Health insurance coverage

Type	%
Private insurance	68.2%
Public insurance	40.9%
No insurance	4.9%
Uninsured under 19	2.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,738	94.0%
Spanish	1,256	7.5%
Other Indo-European	605	3.6%
Asian & Pacific Islander	430	2.6%
Other languages	151	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	15,412	86.5%
Born in same state	15,218	85.5%
Born in different state	11,663	65.5%
Foreign born	194	1.1%
Naturalized citizen	2,396	13.5%
Not a US citizen	1,343	56.1%

Ancestry

Ancestry	Count	%
French	2,395	13.4%
Italian	1,552	8.7%
Arab	1,131	6.4%
English	85	0.5%

Ancestry	Count	%
Polish	12	0.1%
German	11	0.1%
Norwegian	2	0%

Technology access

Metric	% of households
Computer access	40.3%
Internet access	94.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 40228

What city is ZIP code 40228 in?

ZIP code 40228 is primarily assigned to Louisville, Kentucky.

What county is ZIP code 40228 in?

ZIP code 40228 falls within Jefferson County, Kentucky.

What is the population of ZIP code 40228?

ZIP code 40228 has an estimated population of 17,808 residents, with a density of 2,056 people per square mile.

What is the typical home value in ZIP code 40228?

The median home value in ZIP code 40228 is $210,500.

What is the median household income in ZIP code 40228?

The median household income in ZIP code 40228 is $74,025, below the national median of ~$75,000.

What timezone is ZIP code 40228 in?

ZIP code 40228 observes the EST timezone.