40245 ZIP Code — Louisville, KY

Jefferson County, Kentucky

ZIP code 40245 is located in Louisville, Kentucky, within Jefferson County. It covers approximately 32.56 square miles and serves a population of 38,861 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.

About ZIP code 40245

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 $418,000. Owner-occupancy is high at 78%, well above the national average.

The gap between median ($118,333) 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.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

Educational attainment is high — 60% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 40245 reflects a community defined by a highly educated population and high homeownership.

38,861

population

32.56

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40245 ZIP code map

Cities in ZIP code 40245

Below are the cities the US Postal Service accepts for ZIP code 40245. Using any city not on this list may result in mail delivery delays.

City	Status
Louisville	Acceptable
Louisville	Preferred

Nearby ZIP codes

40056 Pewee Valley (3.6 mi) 40243 Louisville (4.1 mi) 40223 Louisville (4.6 mi) 40067 Simpsonville (6.1 mi) 40014 Crestwood (6.3 mi) 40023 Fisherville (7 mi) 40242 Louisville (7.3 mi) 40241 Louisville (7.3 mi) 40299 Louisville (7.6 mi) 40010 Buckner (8 mi) 40222 Louisville (9.1 mi) 40220 Louisville (9.2 mi)

Demographics updated 05/2026

Population
Total population	38,861
Population density	1,194 / sq mi
State FIPS	21
County FIPS	111

Geography
Land area	32.56 sq mi
Water area	0.77 sq mi
Latitude	38.2587
Longitude	-85.4612
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	20.7%	42.4%	47.9%
$50k – $100k	26.8%	31.3%	30.3%
$100k – $200k	32.7%	20.3%	17.6%
Over $200k	19.9%	6.0%	4.2%

Demographics & statistics

38,861

Population

1,194

People per sq mi

40.2

Median age

$118,333

Median household income

$58,263

Per capita income

$418,000

Median home value

$1,441

Median monthly rent

78.2%

Home ownership

5.9%

Poverty rate

3.9%

Unemployment

11,868

Housing units

60.2%

Bachelor's or higher

Age distribution

Male Female

1,240

Under 5

1,320

1,030

5–9

1,096

1,341

10–14

1,428

1,479

15–19

1,576

993

20–24

1,057

2,155

25–34

2,295

2,395

35–44

2,550

2,780

45–54

2,961

1,262

55–59

1,345

1,180

60–64

1,257

1,851

65–74

1,971

985

75–84

1,048

129

85+

137

← Male

Female →

Age summary

Group	Count	%
Under 18	9,159	23.6%
18 and over	29,702	76.4%
65 and over	6,121	15.8%
Median age	40.2 years

Race & ethnicity

White 76.9%

Black or African American 9.3%

Asian 6.7%

Two or more races 4.3%

Hispanic or Latino 1.9%

Other race 0.7%

American Indian / Alaska Native 0.1%

Group	Count	%
White	30,492	76.9%
Black or African American	3,689	9.3%
Asian	2,653	6.7%
Two or more races	1,707	4.3%
Hispanic or Latino	769	1.9%
Other race	288	0.7%
American Indian / Alaska Native	27	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.7%	42.4%	47.9%
$50k – $100k	26.8%	31.3%	30.3%
$100k – $200k	32.7%	20.3%	17.6%
Over $200k	19.9%	6.0%	4.2%

Under $10k 1.6%

$10k–$15k 2.4%

$15k–$25k 4.2%

$25k–$35k 4.5%

$35k–$50k 7.2%

$50k–$75k 9.7%

$75k–$100k 12.2%

$100k–$150k 17.8%

$150k–$200k 15.0%

$200k+ 25.5%

Range	% of households
Under $10k	1.6%
$10k–$15k	2.4%
$15k–$25k	4.2%
$25k–$35k	4.5%
$35k–$50k	7.2%
$50k–$75k	9.7%
$75k–$100k	12.2%
$100k–$150k	17.8%
$150k–$200k	15.0%
$200k+	25.5%
Median income	$118,333

Housing

Home values

Under $50k 0.5%

$50k–$100k 1.1%

$100k–$150k 1.7%

$150k–$200k 2.4%

$200k–$300k 16.4%

$300k–$500k 50.9%

$500k–$1M 25.5%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$418,000
Median rent / month	$1,441
Owner occupied	78.2%
Renter occupied	21.8%
Vacant	4.5%
Single-family detached	74.8%
Large apartment buildings	3.8%
Mobile homes	0.3%
Median rooms	7.4
Avg household size (owned)	2.82

Year built

Era	%
2020 or later	1.2%
2010–2019	23.4%
2000–2009	35.1%
1990–1999	22.5%
1980–1989	7.9%
1970–1979	6.9%
1960–1969	0.8%
1950–1959	1.1%
1940–1949	0.8%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	5.9%
2 bedrooms	16.7%
3 bedrooms	27.1%
4 bedrooms	32.7%
5+ bedrooms	17.0%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	24.9%
2 vehicles	45.3%
3 or more	27.9%

Heating fuel

Fuel type	%
Utility gas	62.9%
Electricity	35.7%
Propane / LP gas	0.6%
Fuel oil	0.4%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	8,873	62.0%
Cohabiting couple	496	3.5%
Male householder, no spouse	1,845	12.9%
Female householder, no spouse	3,090	21.6%
Households with children under 18	4,909	34.3%
Households with seniors (65+)	4,327	30.3%
Average household size	2.66

Marital status

Status	Male	Female
Never married	27.3%	24.3%
Married	62.3%	56.2%
Separated	0.7%	3.2%
Widowed	2.5%	6.7%
Divorced	7.1%	9.6%

Education

Less than 9th grade 1.3%

Some HS, no diploma 1.4%

HS graduate 11.1%

Some college, no degree 19.7%

Associate's degree 6.2%

Bachelor's degree 36.9%

Graduate / professional 23.3%

Metric	%
HS diploma or higher	97.2%
Bachelor's or higher	60.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	759	7.4%
Kindergarten	354	3.4%
Elementary school	3,986	38.8%
High school	2,476	24.1%
College / grad school	2,687	26.2%

Employment

Industry of employment

Education & healthcare 25.1%

Professional & management 12.2%

Finance & real estate 11.5%

Manufacturing 10.7%

Retail trade 9.1%

Arts, food & hospitality 7.9%

Transportation & utilities 7.3%

Construction 4.5%

Other services 3.6%

Wholesale trade 3.5%

Public administration 2.1%

Information 1.7%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	57.5%
Service	9.0%
Sales & office	20.4%
Natural resources & construction	3.0%
Production & transportation	10.1%

Employment type

Type	%
Private sector	87.4%
Government	8.9%
Self-employed	3.3%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	74.8%
Carpool	6.9%
Public transit	0.1%
Walk	0.4%
Work from home	16.9%
Other means	0.9%
Avg commute (minutes)	24.9

Poverty

All people 5.9%

Under 18 years 4.5%

18 and over 6.4%

Married-couple families 1.5%

Female-led households 31.1%

Income support

Source	% of households
Social Security	27.9%
Retirement income	26.1%
Supplemental Security	2.5%
Cash public assistance	1.5%
Food stamps / SNAP	2.5%

Health indicators

Condition	%
Obesity	31.9%
High blood pressure	32.8%
High cholesterol	33.3%
Diabetes	8.0%
Heart disease	4.5%
Stroke	2.0%
Asthma	9.9%
Arthritis	22.6%
Kidney disease	2.1%
Pulmonary disease	5.3%
Cancer	5.7%

Behavior / access	%
Smoking	13.4%
Binge drinking	17.3%
No physical activity	19.2%
Less than 7 hrs sleep	32.4%
Depression	23.2%
Fair or poor health	11.0%
Poor mental health	14.9%
Poor physical health	8.9%
No health insurance	6.7%
Visited doctor (checkup)	75.4%
Visited dentist	72.0%
Cholesterol screening	92.8%
Teeth loss	7.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,885	6.4%

Disability	%
Any disability	8.2%
Under 18	4.2%
18–64 years	6.3%
65 and over	21.4%

Health insurance coverage

Type	%
Private insurance	89.0%
Public insurance	23.3%
No insurance	2.1%
Uninsured under 19	2.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	36,301	93.4%
Spanish	771	2.1%
Other Indo-European	178	0.5%
Asian & Pacific Islander	178	0.5%
Other languages	314	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	35,079	90.3%
Born in same state	34,759	89.4%
Born in different state	22,453	57.8%
Foreign born	320	0.8%
Naturalized citizen	3,782	9.7%
Not a US citizen	1,999	52.9%

Ancestry

Ancestry	Count	%
French	5,785	14.9%
Italian	4,476	11.5%
Arab	3,202	8.2%
English	384	1%
Polish	175	0.5%

Ancestry	Count	%
Dutch	118	0.3%
Irish	38	0.1%
Norwegian	26	0.1%
German	21	0.1%

Technology access

Metric	% of households
Computer access	36.8%
Internet access	97.6%

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

Frequently asked questions about ZIP code 40245

What city is ZIP code 40245 in?

ZIP code 40245 is primarily assigned to Louisville, Kentucky.

What county is ZIP code 40245 in?

ZIP code 40245 falls within Jefferson County, Kentucky.

How educated is the population of ZIP code 40245?

60% 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 40245?

The median home value in ZIP code 40245 is $418,000.

What is the median household income in ZIP code 40245?

The median household income in ZIP code 40245 is $118,333, above the national median of ~$75,000.

What is the population of ZIP code 40245?

ZIP code 40245 has an estimated population of 38,861 residents, with a density of 1,193 people per square mile.

What timezone is ZIP code 40245 in?

ZIP code 40245 observes the EST timezone.