40206 ZIP Code — Louisville, KY
Jefferson County, Kentucky
ZIP code 40206 is located in Louisville, Kentucky, within Jefferson County. It covers approximately 5.84 square miles and serves a population of 20,315 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.
About ZIP code 40206
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $263,000. Owner-occupancy sits near the national average at 53%.
The gap between median ($69,241) and mean household income suggests income inequality — a small number of higher earners pull the average up.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.
Educational attainment is high — 57% of residents hold a bachelor's degree or higher, well above the national average of 33%.
20,315
population
5.84
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
40206 ZIP code map
Cities in ZIP code 40206
Below are the cities the US Postal Service accepts for ZIP code 40206. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Louisville | Preferred |
Nearby ZIP codes
40204 Louisville (1.9 mi)
40207 Louisville (2.3 mi)
40202 Louisville (2.7 mi)
40281 Louisville (3 mi)
40293 Louisville (3 mi)
40280 Louisville (3 mi)
40287 Louisville (3 mi)
40225 Louisville (3 mi)
40266 Louisville (3 mi)
40282 Louisville (3 mi)
40283 Louisville (3 mi)
40289 Louisville (3 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 20,315 |
| Population density | 3,479 / sq mi |
| State FIPS | 21 |
| County FIPS | 111 |
| Geography | |
|---|---|
| Land area | 5.84 sq mi |
| Water area | 0.05 sq mi |
| Latitude | 38.2627 |
| Longitude | -85.7047 |
| 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 | 41.9% | 42.4% | 47.9% |
| $50k – $100k | 30.7% | 31.3% | 30.3% |
| $100k – $200k | 20.5% | 20.3% | 17.6% |
| Over $200k | 6.9% | 6.0% | 4.2% |
Demographics & statistics
20,315
Population
3,479
People per sq mi
38.5
Median age
$69,241
Median household income
$53,046
Per capita income
$263,000
Median home value
$1,062
Median monthly rent
52.8%
Home ownership
10.0%
Poverty rate
4.4%
Unemployment
6,529
Housing units
56.8%
Bachelor's or higher
Age distribution
Male
Female
485
Under 5
492
357
5–9
362
421
10–14
426
367
15–19
373
636
20–24
646
2,188
25–34
2,220
1,478
35–44
1,499
1,270
45–54
1,288
507
55–59
515
688
60–64
698
1,197
65–74
1,215
368
75–84
373
122
85+
124
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,974 | 14.6% |
| 18 and over | 17,341 | 85.4% |
| 65 and over | 3,399 | 16.7% |
| Median age | 38.5 years | |
Race & ethnicity
White
78.3%
Black or African American
10.6%
Two or more races
4.2%
Asian
3.1%
Hispanic or Latino
2.9%
Other race
0.4%
American Indian / Alaska Native
0.4%
| Group | Count | % |
|---|---|---|
| White | 16,396 | 78.3% |
| Black or African American | 2,221 | 10.6% |
| Two or more races | 888 | 4.2% |
| Asian | 646 | 3.1% |
| Hispanic or Latino | 616 | 2.9% |
| Other race | 88 | 0.4% |
| American Indian / Alaska Native | 76 | 0.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 41.9% | 42.4% | 47.9% |
| $50k – $100k | 30.7% | 31.3% | 30.3% |
| $100k – $200k | 20.5% | 20.3% | 17.6% |
| Over $200k | 6.9% | 6.0% | 4.2% |
Under $10k
4.3%
$10k–$15k
3.5%
$15k–$25k
8.4%
$25k–$35k
7.1%
$35k–$50k
11.4%
$50k–$75k
20.7%
$75k–$100k
10.8%
$100k–$150k
16.0%
$150k–$200k
8.8%
$200k+
9.0%
| Range | % of households |
|---|---|
| Under $10k | 4.3% |
| $10k–$15k | 3.5% |
| $15k–$25k | 8.4% |
| $25k–$35k | 7.1% |
| $35k–$50k | 11.4% |
| $50k–$75k | 20.7% |
| $75k–$100k | 10.8% |
| $100k–$150k | 16.0% |
| $150k–$200k | 8.8% |
| $200k+ | 9.0% |
| Median income | $69,241 |
Housing
Home values
Under $50k
0.7%
$50k–$100k
5.2%
$100k–$150k
13.8%
$150k–$200k
14.0%
$200k–$300k
26.9%
$300k–$500k
24.6%
$500k–$1M
13.4%
$1M+
1.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $263,000 |
| Median rent / month | $1,062 |
| Owner occupied | 52.8% |
| Renter occupied | 47.2% |
| Vacant | 8.5% |
| Single-family detached | 43.2% |
| Large apartment buildings | 14.0% |
| Mobile homes | 0.3% |
| Median rooms | 4.8 |
| Avg household size (owned) | 2.11 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 6.5% |
| 2000–2009 | 5.7% |
| 1990–1999 | 5.0% |
| 1980–1989 | 5.6% |
| 1970–1979 | 13.6% |
| 1960–1969 | 12.3% |
| 1950–1959 | 9.4% |
| 1940–1949 | 4.8% |
| 1939 or earlier | 37.1% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.5% |
| 1 bedroom | 22.8% |
| 2 bedrooms | 40.0% |
| 3 bedrooms | 24.3% |
| 4 bedrooms | 8.0% |
| 5+ bedrooms | 2.3% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 7.3% |
| 1 vehicle | 47.5% |
| 2 vehicles | 35.1% |
| 3 or more | 10.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 59.0% |
| Electricity | 38.3% |
| Propane / LP gas | 1.5% |
| Fuel oil | 0.1% |
| Wood | 0.2% |
| No fuel used | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 3,375 | 32.1% |
| Cohabiting couple | 1,180 | 11.2% |
| Male householder, no spouse | 2,443 | 23.2% |
| Female householder, no spouse | 3,524 | 33.5% |
| Households with children under 18 | 1,812 | 17.2% |
| Households with seniors (65+) | 2,423 | 23.0% |
| Average household size | 1.87 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 44.3% | 36.6% |
| Married | 41.1% | 38.0% |
| Separated | 0.7% | 1.3% |
| Widowed | 1.6% | 5.4% |
| Divorced | 12.2% | 18.7% |
Education
Less than 9th grade
1.7%
Some HS, no diploma
4.4%
HS graduate
15.0%
Some college, no degree
15.8%
Associate's degree
6.4%
Bachelor's degree
30.1%
Graduate / professional
26.7%
| Metric | % |
|---|---|
| HS diploma or higher | 93.9% |
| Bachelor's or higher | 56.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 242 | 6.4% |
| Kindergarten | 49 | 1.3% |
| Elementary school | 1,300 | 34.6% |
| High school | 715 | 19.1% |
| College / grad school | 1,447 | 38.6% |
Employment
Industry of employment
Education & healthcare
27.4%
Professional & management
13.9%
Retail trade
10.5%
Manufacturing
10.3%
Arts, food & hospitality
9.0%
Finance & real estate
8.1%
Transportation & utilities
5.2%
Other services
4.3%
Public administration
3.7%
Construction
3.3%
Wholesale trade
2.3%
Information
1.7%
Agriculture & mining
0.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 52.6% |
| Service | 13.0% |
| Sales & office | 20.1% |
| Natural resources & construction | 3.4% |
| Production & transportation | 10.9% |
Employment type
| Type | % |
|---|---|
| Private sector | 79.9% |
| Government | 12.6% |
| Self-employed | 7.2% |
| Unpaid family workers | 0.3% |
Commute
| Method | % |
|---|---|
| Drive alone | 77.3% |
| Carpool | 4.1% |
| Public transit | 1.9% |
| Walk | 2.8% |
| Work from home | 12.2% |
| Other means | 1.7% |
| Avg commute (minutes) | 18.7 |
Poverty
All people
10.0%
Under 18 years
11.9%
18 and over
9.6%
Married-couple families
3.3%
Female-led households
10.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 23.1% |
| Retirement income | 14.6% |
| Supplemental Security | 2.8% |
| Cash public assistance | 0.9% |
| Food stamps / SNAP | 5.4% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 32.6% |
| High blood pressure | 34.7% |
| High cholesterol | 33.3% |
| Diabetes | 9.0% |
| Heart disease | 5.6% |
| Stroke | 2.6% |
| Asthma | 10.3% |
| Arthritis | 24.4% |
| Kidney disease | 2.5% |
| Pulmonary disease | 6.7% |
| Cancer | 6.1% |
| Behavior / access | % |
|---|---|
| Smoking | 14.9% |
| Binge drinking | 17.4% |
| No physical activity | 21.9% |
| Less than 7 hrs sleep | 32.2% |
| Depression | 24.2% |
| Fair or poor health | 13.5% |
| Poor mental health | 16.0% |
| Poor physical health | 10.3% |
| No health insurance | 7.9% |
| Visited doctor (checkup) | 75.3% |
| Visited dentist | 67.5% |
| Cholesterol screening | 90.6% |
| Teeth loss | 10.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,015 | 5.9% |
| Disability | % |
|---|---|
| Any disability | 9.5% |
| Under 18 | 3.9% |
| 18–64 years | 7.3% |
| 65 and over | 24.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 76.3% |
| Public insurance | 28.8% |
| No insurance | 6.3% |
| Uninsured under 19 | 8.2% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 19,338 | 95.2% |
| Spanish | 546 | 2.8% |
| Other Indo-European | 352 | 1.8% |
| Asian & Pacific Islander | 31 | 0.2% |
| Other languages | 60 | 0.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 18,907 | 93.1% |
| Born in same state | 18,720 | 92.1% |
| Born in different state | 11,989 | 59.0% |
| Foreign born | 187 | 0.9% |
| Naturalized citizen | 1,408 | 6.9% |
| Not a US citizen | 584 | 41.5% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 3,372 | 16.6% |
| French | 3,323 | 16.4% |
| Arab | 822 | 4% |
| English | 227 | 1.1% |
| Polish | 53 | 0.3% |
| Ancestry | Count | % |
|---|---|---|
| Irish | 41 | 0.2% |
| Dutch | 23 | 0.1% |
| German | 22 | 0.1% |
| Norwegian | 5 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 51.8% |
| Internet access | 96.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 40206
What city is ZIP code 40206 in?
ZIP code 40206 is primarily assigned to Louisville, Kentucky.
What county is ZIP code 40206 in?
ZIP code 40206 falls within Jefferson County, Kentucky.
How educated is the population of ZIP code 40206?
57% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the population of ZIP code 40206?
ZIP code 40206 has an estimated population of 20,315 residents, with a density of 3,477 people per square mile.
What is the median household income in ZIP code 40206?
The median household income in ZIP code 40206 is $69,241, below the national median of ~$75,000.
What is the typical home value in ZIP code 40206?
The median home value in ZIP code 40206 is $263,000.
What timezone is ZIP code 40206 in?
ZIP code 40206 observes the EST timezone.