Best Places40013, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 40013, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
40013 ranks 12,473rd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on few empty homes by a wide margin, and biking ranks lowest.
The best neighborhoods in 40013
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
40013's strengths and weaknesses
Where 40013 ranks high
- Low vacancyBetter than 92% of zip codes
- Voter turnoutBetter than 88% of zip codes
- Crime safetyBetter than 84% of zip codes
- Tree shadeBetter than 79% of zip codes
- Cost of living vs incomeBetter than 76% of zip codes
Where 40013 ranks low
- BikingBetter than only 8% of zip codes
- Cheap car insuranceBetter than only 17% of zip codes
- WalkabilityBetter than only 19% of zip codes
- Nice weatherabout 70 pleasant days a year, better than only 26% of zip codes
- School gradeC−, better than only 27% of zip codes
What it costs to buy a home in 40013
A household needs to earn about $71,000 a year to comfortably buy the median 40013 home, at 20% down and today's 30-year rate. That is below the area's own median income of $89,691, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 40013's effective rate of 0.69%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 40013
40013 runs younger than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 40013.
Who works in 40013, and how
Work in 40013 centers on health care & social and manufacturing. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 91%
- Work from home 8%
- Transit, walk, or bike 1%
Life in 40013
The map and measures below break down dining, culture, and green space by neighborhood across 40013.
What the weather is like in 40013, month by month
40013 sees roughly 70 pleasant days a year. July highs average about 87 degrees. January highs sit near 43, with lows near 27. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 43° | 34° | 27° |
| April | 67° | 55° | 45° |
| July | 87° | 76° | 67° |
| October | 70° | 58° | 48° |
Flying in and out of 40013
The nearest airport, Louisville Muhammad Ali International, is about 22 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 90 miles away.
The best schools in and around 40013
Schools across 40013 average a C−, better than 27% of zip codes.
Top elementary schools
- Spencer County Elementary SchoolC+ · 38% proficient
- Taylorsville Elementary SchoolC+ · 38% proficient
- Cedar Grove ElementaryC · 35% proficient
Top middle schools
- Spencer County Middle SchoolC+ · 37% proficient
- Bernheim Middle SchoolC · 32% proficient
- Mt. Washington Middle SchoolC− · 30% proficient
Top high schools
- Spencer County High SchoolC · 34% proficient
- Thomas Nelson High SchoolC · 33% proficient
- Bullitt East High SchoolC− · 29% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 40013 school and its grade on SchoolGrade.
40013 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 40013 against the other 33,109 zip codes.
Common questions about living in 40013
Is 40013 a good place to live?
Using BestNeighborhood's default rankings, 40013 ranks 12,473rd of 33,110 zip codes. It scores highest on few empty homes, civic engagement, and low crime, and lowest on biking and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 40013 expensive to live in?
The median home is worth $274,516. The overall cost of living runs about 13% below the national average. Set against a $89,691 median income, cost of living beats 76% of zip codes.
Is 40013 safe?
Yes, 40013 is safer than 84% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $192 per resident a year.
Compare 40013 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 40013. Scores are absolute rather than ranked, which means a 60 in 40013 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
40013 detail on BestNeighborhood maps:
- Walk Grade for 40013: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 40013: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 40013: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 40013: carrier by carrier coverage behind the cell score.
40013 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.