ZIP Code · KY

ZIP 40222

Part of Louisville, KY

Pop. 21,470·Jefferson County·29th most expensive ZIP in Kentucky

Median rent (all units)

$1,485/mo

Year-over-Year

+5.1%

Month-over-Month

+1.2%

vs US Median

-$447

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 40222 · $1,485

More affordable than 74% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,130

1 BR

$1,230

2 BR

$1,490

3 BR

$1,900

4 BR+

$2,210

Research median

$1,490/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

Cheapest month to sign

January. Asking rents in ZIP 40222 usually run 0.8% below trend in January and 0.9% above it in July, about $25 a month apart at today's median. Based on 6 years of data.

Compared with the peak

Rent in ZIP 40222 is at its highest level since Zillow's records here began in February 2020.

Past year vs. the rest of Kentucky

Rent in ZIP 40222 changed +5.1% over the year to September 2026. Across the 63 Kentucky ZIP codes Zillow tracks, the typical change was +3.3%.

Since before the pandemic

Rent in ZIP 40222 is 44.2% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 9 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($82,511) is $2,063 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,900); a 4-bedroom is $2,210.

Rank in Louisville

22nd cheapest of 29 ZIP codes in Louisville.

Cheaper nearby

ZIP 40220, 4 miles away, rents for 14% less ($1,270/mo), about $2,600 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 40222. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,820/yr

At $1,485/mo median

Location

CityLouisville

StateKY

CountyJefferson County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 5.1% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+5.1% YoY, +1.2% MoM), not inventory.

Demographics

Who lives here

ZIP 40222 (Louisville, KY) is majority owner-occupied, has a large retiree population, 58.6% of residents hold a bachelor's degree or higher.

Population

21,470

Median income

$82,511

Median age

39.6

Renters

44.9%

Age distribution

20%

23.5%

23.6%

12.4%

20.6%

Under 1820%

18–3423.5%

35–5423.6%

55–6412.4%

65+20.6%

Gender

48.3%

51.7%

Male48.3%

Female51.7%

Race & ethnicity

78.8%

White78.8%

Black5.6%

Hispanic4%

Asian7%

Other4.6%

Education (25+)

15.6%

21.4%

58.6%

No HS diploma4.5%

HS diploma15.6%

Some college21.4%

Bachelor's+58.6%

Housing tenure

55.1%

44.9%

Owner55.1%

Renter44.9%

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

2021 vs 2026

How ZIP 40222 in Louisville, KY has changed in 5 years

Rent

$1,082 → $1,485

up 37.2%

Income

$73,549 → $82,511

up 12.2%

Population

21,622 → 21,470

down 0.7%

Renter share

43.6% → 44.9%

+1.3 pts

Bachelor's+

55.4% → 58.6%

+3.2 pts

Median age

41.5 → 39.6

-1.9 yrs

Since 2021, the typical rent in ZIP 40222 in Louisville, KY has increased from $1,082 to $1,485, a 37.2% change over five years. Local incomes tracked alongside that move, going from a median of $73,549 in 2021 to $82,511 more recently. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. College-educated residents now make up 58.6% of adults here, versus 55.4% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 40222 in Louisville, KY market of 2021.

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Local insights

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About renting in ZIP 40222

Last updated: October 17, 2026

ZIP code 40222 covers Louisville, KY. The median rent here is $1,485/mo as of October 2026. A 1-bedroom rents for a median of $1,230/mo. A 2-bedroom rents for a median of $1,490/mo.

At 22% of local median household income ($82,511/yr), ZIP 40222 ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 40222?

To keep rent at or below 30% of gross income, you would need to earn at least $59,000/year (about $28/hour full-time) to afford the median rent of $1,485/mo in ZIP 40222. The local median household income is $82,511/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 40222?

Rent in ZIP 40222 has risen 5.1% over the past year as of September 2026. That is the highest level since Zillow's records here began in February 2020.

When is the cheapest time to rent in ZIP 40222?

Asking rents in ZIP 40222 are usually lowest in January, about 0.8% below their yearly trend, and highest in July, about 0.9% above it. At today's median that is a gap of roughly $25 a month. This pattern comes from 6 years of Zillow rent data.

How does ZIP 40222 compare to other ZIPs in Kentucky?

ZIP 40222 is in the middle among Kentucky ZIP codes for rent, ranking #29 of 78 at $1,485/mo. Over the year to September 2026, rent in ZIP 40222 changed +5.1%, against a typical +3.3% across the 63 Kentucky ZIP codes Zillow tracks.