ZIP Code · KY

ZIP 40212

Part of Louisville, KY

Pop. 14,661·Jefferson County·71st most expensive ZIP in Kentucky

Median rent (all units)

$1,090/mo

Year-over-Year

+0.4%

Month-over-Month

+0.8%

vs US Median

-$842

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 40212 · $1,090

More affordable than 95% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$820

1 BR

$890

2 BR

$1,080

3 BR

$1,390

4 BR+

$1,610

Research median

$1,080/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 40212 is 1.2% below its high of $1,103 in November 2025, at $1,090 as of September 2026.

Past year vs. the rest of Kentucky

Rent in ZIP 40212 changed +0.4% over the year to September 2026. Across the 63 Kentucky ZIP codes Zillow tracks, the typical change was +3.3%.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($35,753) is $894 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($890); a 2-bedroom is $1,080.

Rank in Louisville

3rd cheapest of 29 ZIP codes in Louisville.

From Zillow's monthly rent index (ZORI) for ZIP 40212. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$13,080/yr

At $1,090/mo median

Location

CityLouisville

StateKY

CountyJefferson County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (0.4% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+0.4% YoY, +0.8% MoM), not inventory.

Demographics

Who lives here

ZIP 40212 (Louisville, KY) is roughly split between renters and owners, has a median income below the national average, 12.3% of residents hold a bachelor's degree or higher.

Population

14,661

Median income

$35,753

Median age

40.1

Renters

51.3%

Age distribution

22.9%

18.3%

26.3%

14.3%

18.2%

Under 1822.9%

18–3418.3%

35–5426.3%

55–6414.3%

65+18.2%

Gender

49.4%

50.6%

Male49.4%

Female50.6%

Race & ethnicity

34.2%

59.6%

White34.2%

Black59.6%

Hispanic2.1%

Other4%

Education (25+)

18.1%

44.1%

25.4%

12.3%

No HS diploma18.1%

HS diploma44.1%

Some college25.4%

Bachelor's+12.3%

Housing tenure

48.7%

51.3%

Owner48.7%

Renter51.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 40212 in Louisville, KY has changed in 5 years

Rent

$868 → $1,090

up 25.6%

Income

$31,377 → $35,753

up 13.9%

Population

16,548 → 14,661

down 11.4%

Renter share

48.4% → 51.3%

+2.9 pts

Bachelor's+

11.1% → 12.3%

+1.2 pts

Median age

37.6 → 40.1

+2.5 yrs

Across the past five years, the going rent in ZIP 40212 in Louisville, KY has shifted from $868 to $1,090, up 25.6% since 2022. Local incomes tracked alongside that move, going from a median of $31,377 in 2021 to $35,753 more recently. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 40212 in Louisville, KY losing about 1,887 residents over the five-year window, down 11.4% on net. The renter share has risen from 48.4% to 51.3%, with owner-occupied housing accounting for the remainder. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 40212 in Louisville, KY market of 2022.

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About renting in ZIP 40212

Last updated: October 17, 2026

ZIP code 40212 covers Louisville, KY. The median rent here is $1,090/mo as of October 2026. A 1-bedroom rents for a median of $890/mo. A 2-bedroom rents for a median of $1,080/mo.

At 37% of local median household income ($35,753/yr), ZIP 40212 ranks as moderate compared to the national benchmark of 30%. Rents have increased 0.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 40212?

To keep rent at or below 30% of gross income, you would need to earn at least $44,000/year (about $21/hour full-time) to afford the median rent of $1,090/mo in ZIP 40212. The local median household income is $35,753/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 40212?

Rent in ZIP 40212 has been roughly flat over the past year as of September 2026, a +0.4% change. It sits 1.2% below its high of $1,103 in November 2025.

How does ZIP 40212 compare to other ZIPs in Kentucky?

ZIP 40212 is one of the more affordable among Kentucky ZIP codes for rent, ranking #71 of 78 at $1,090/mo. Over the year to September 2026, rent in ZIP 40212 changed +0.4%, against a typical +3.3% across the 63 Kentucky ZIP codes Zillow tracks.