40205 ZIP Code — Louisville, KY

Jefferson County, Kentucky

ZIP code 40205 is located in Louisville, Kentucky, within Jefferson County. It covers approximately 6.89 square miles and serves a population of 24,890 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.

About ZIP code 40205

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $342,000. Owner-occupancy sits near the national average at 75%.

The gap between median ($94,253) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 33% 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 18 minutes is near the national average.

Educational attainment is high — 66% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 40205 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

24,890

population

6.89

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40205 ZIP code map

Cities in ZIP code 40205

Below are the cities the US Postal Service accepts for ZIP code 40205. Using any city not on this list may result in mail delivery delays.

City	Status
Louisville	Acceptable
Louisville	Preferred

Nearby ZIP codes

40218 Louisville (2.3 mi) 40204 Louisville (2.7 mi) 40220 Louisville (3 mi) 40207 Louisville (3 mi) 40217 Louisville (3.2 mi) 40206 Louisville (3.3 mi) 40213 Louisville (3.5 mi) 40209 Louisville (4.3 mi) 40292 Louisville (4.6 mi) 40222 Louisville (4.7 mi) 40208 Louisville (4.7 mi) 40202 Louisville (4.9 mi)

Demographics updated 05/2026

Population
Total population	24,890
Population density	3,612 / sq mi
State FIPS	21
County FIPS	111

Geography
Land area	6.89 sq mi
Water area	0.04 sq mi
Latitude	38.2215
Longitude	-85.6758
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	30.0%	42.4%	47.9%
$50k – $100k	29.4%	31.3%	30.3%
$100k – $200k	29.0%	20.3%	17.6%
Over $200k	11.5%	6.0%	4.2%

Demographics & statistics

24,890

Population

3,612

People per sq mi

42.0

Median age

$94,253

Median household income

$54,805

Per capita income

$342,000

Median home value

$1,071

Median monthly rent

74.9%

Home ownership

6.1%

Poverty rate

2.7%

Unemployment

8,446

Housing units

65.7%

Bachelor's or higher

Age distribution

Male Female

570

Under 5

575

701

5–9

708

658

10–14

665

912

15–19

921

736

20–24

743

1,481

25–34

1,496

1,654

35–44

1,670

1,682

45–54

1,698

757

55–59

764

822

60–64

830

1,397

65–74

1,411

720

75–84

728

294

85+

297

← Male

Female →

Age summary

Group	Count	%
Under 18	4,827	19.4%
18 and over	20,063	80.6%
65 and over	4,847	19.5%
Median age	42.0 years

Race & ethnicity

White 91.6%

Two or more races 3.3%

Black or African American 2.4%

Hispanic or Latino 1.3%

Asian 1.1%

Other race 0.3%

Group	Count	%
White	23,102	91.6%
Two or more races	827	3.3%
Black or African American	615	2.4%
Hispanic or Latino	328	1.3%
Asian	275	1.1%
Other race	66	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.0%	42.4%	47.9%
$50k – $100k	29.4%	31.3%	30.3%
$100k – $200k	29.0%	20.3%	17.6%
Over $200k	11.5%	6.0%	4.2%

Under $10k 2.6%

$10k–$15k 2.7%

$15k–$25k 5.0%

$25k–$35k 4.4%

$35k–$50k 10.4%

$50k–$75k 13.9%

$75k–$100k 14.6%

$100k–$150k 17.4%

$150k–$200k 12.9%

$200k+ 16.0%

Range	% of households
Under $10k	2.6%
$10k–$15k	2.7%
$15k–$25k	5.0%
$25k–$35k	4.4%
$35k–$50k	10.4%
$50k–$75k	13.9%
$75k–$100k	14.6%
$100k–$150k	17.4%
$150k–$200k	12.9%
$200k+	16.0%
Median income	$94,253

Housing

Home values

Under $50k 1.4%

$50k–$100k 2.7%

$100k–$150k 2.3%

$150k–$200k 7.4%

$200k–$300k 23.7%

$300k–$500k 45.7%

$500k–$1M 14.7%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$342,000
Median rent / month	$1,071
Owner occupied	74.9%
Renter occupied	25.1%
Vacant	5.1%
Single-family detached	74.6%
Large apartment buildings	5.8%
Mobile homes	0.0%
Median rooms	6.5
Avg household size (owned)	2.34

Year built

Era	%
2020 or later	0.0%
2010–2019	0.5%
2000–2009	1.1%
1990–1999	2.1%
1980–1989	4.6%
1970–1979	8.7%
1960–1969	9.8%
1950–1959	15.7%
1940–1949	13.2%
1939 or earlier	44.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	11.8%
2 bedrooms	23.7%
3 bedrooms	38.6%
4 bedrooms	19.8%
5+ bedrooms	4.5%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	33.8%
2 vehicles	44.6%
3 or more	16.3%

Heating fuel

Fuel type	%
Utility gas	76.4%
Electricity	22.1%
Propane / LP gas	0.6%
Wood	0.1%
Solar	0.1%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	4,978	47.3%
Cohabiting couple	632	6.0%
Male householder, no spouse	2,086	19.8%
Female householder, no spouse	2,833	26.9%
Households with children under 18	2,577	24.5%
Households with seniors (65+)	3,401	32.3%
Average household size	2.22

Marital status

Status	Male	Female
Never married	36.0%	30.2%
Married	51.3%	48.0%
Separated	0.2%	0.4%
Widowed	2.7%	7.8%
Divorced	9.8%	13.6%

Education

Less than 9th grade 0.9%

Some HS, no diploma 1.5%

HS graduate 11.8%

Some college, no degree 13.9%

Associate's degree 6.2%

Bachelor's degree 34.0%

Graduate / professional 31.7%

Metric	%
HS diploma or higher	97.6%
Bachelor's or higher	65.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	568	8.3%
Kindergarten	196	2.9%
Elementary school	2,157	31.5%
High school	1,135	16.6%
College / grad school	2,787	40.7%

Employment

Industry of employment

Education & healthcare 30.4%

Professional & management 13.4%

Finance & real estate 10.1%

Arts, food & hospitality 9.5%

Retail trade 7.5%

Manufacturing 7.2%

Other services 5.7%

Transportation & utilities 4.5%

Construction 4.4%

Public administration 3.0%

Wholesale trade 2.4%

Information 1.9%

Occupation

Category	%
Management, business & arts	61.1%
Service	9.9%
Sales & office	18.0%
Natural resources & construction	3.6%
Production & transportation	7.4%

Employment type

Type	%
Private sector	82.6%
Government	11.7%
Self-employed	5.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	74.4%
Carpool	6.7%
Public transit	0.9%
Walk	2.0%
Work from home	14.9%
Other means	1.1%
Avg commute (minutes)	18.3

Poverty

All people 6.1%

Under 18 years 2.3%

18 and over 7.1%

Married-couple families 0.8%

Female-led households 8.0%

Income support

Source	% of households
Social Security	32.7%
Retirement income	25.3%
Supplemental Security	2.4%
Cash public assistance	0.7%
Food stamps / SNAP	2.6%

Health indicators

Condition	%
Obesity	29.9%
High blood pressure	34.5%
High cholesterol	35.1%
Diabetes	8.5%
Heart disease	5.8%
Stroke	2.4%
Asthma	9.7%
Arthritis	25.4%
Kidney disease	2.5%
Pulmonary disease	6.1%
Cancer	7.0%

Behavior / access	%
Smoking	11.8%
Binge drinking	17.0%
No physical activity	19.1%
Less than 7 hrs sleep	29.7%
Depression	23.5%
Fair or poor health	11.3%
Poor mental health	14.6%
Poor physical health	9.3%
No health insurance	6.2%
Visited doctor (checkup)	76.3%
Visited dentist	73.1%
Cholesterol screening	92.2%
Teeth loss	7.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	959	4.8%

Disability	%
Any disability	10.4%
Under 18	3.7%
18–64 years	7.9%
65 and over	26.2%

Health insurance coverage

Type	%
Private insurance	87.2%
Public insurance	25.4%
No insurance	1.8%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,745	95.4%
Spanish	223	0.9%
Other Indo-European	50	0.2%
Asian & Pacific Islander	132	0.6%
Other languages	27	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	24,125	96.9%
Born in same state	23,912	96.1%
Born in different state	15,479	62.2%
Foreign born	213	0.9%
Naturalized citizen	765	3.1%
Not a US citizen	500	65.4%

Ancestry

Ancestry	Count	%
Italian	4,909	19.7%
French	4,106	16.5%
Arab	1,028	4.1%
English	308	1.2%
Polish	178	0.7%

Ancestry	Count	%
Irish	146	0.6%
German	60	0.2%
Norwegian	57	0.2%
Dutch	13	0.1%

Technology access

Metric	% of households
Computer access	42.3%
Internet access	96.2%

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

Frequently asked questions about ZIP code 40205

What city is ZIP code 40205 in?

ZIP code 40205 is primarily assigned to Louisville, Kentucky.

What county is ZIP code 40205 in?

ZIP code 40205 falls within Jefferson County, Kentucky.

How educated is the population of ZIP code 40205?

66% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 40205?

The median home value in ZIP code 40205 is $342,000.

What is the population of ZIP code 40205?

ZIP code 40205 has an estimated population of 24,890 residents, with a density of 3,614 people per square mile.

What is the median household income in ZIP code 40205?

The median household income in ZIP code 40205 is $94,253, above the national median of ~$75,000.

What timezone is ZIP code 40205 in?

ZIP code 40205 observes the EST timezone.