Best Places40046, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 40046, 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.
40046 ranks 19,383rd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on civic engagement by a wide margin, and the weather ranks lowest.
The best neighborhoods in 40046
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.
40046's strengths and weaknesses
Where 40046 ranks high
- Voter turnoutBetter than 94% of zip codes
- Tree shadeBetter than 78% of zip codes
- Cheap childcare$696 a month, better than 75% of zip codes
- QuietBetter than 72% of zip codes
- Cost of living vs incomeBetter than 69% of zip codes
Where 40046 ranks low
- Nice weatherabout 52 pleasant days a year, better than only 1% of zip codes
- Internet speedBetter than only 8% of zip codes
- Short commute34.1 minutes each way, better than only 13% of zip codes
- BikingBetter than only 14% of zip codes
- Cheap car insuranceBetter than only 16% of zip codes
What it costs to buy a home in 40046
A household needs to earn about $65,000 a year to comfortably buy the median 40046 home, at 20% down and today's 30-year rate. That is below the area's own median income of $85,577, 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 40046's effective rate of 0.65%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 8 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 40046
40046 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 40046.
Who works in 40046, and how
Work in 40046 centers on manufacturing and retail trade. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 89%
- Work from home 9%
- Transit, walk, or bike 2%
Life in 40046
The map and measures below break down dining, culture, and green space by neighborhood across 40046.
What the weather is like in 40046, month by month
40046 sees roughly 52 pleasant days a year. July highs average about 89 degrees. January highs sit near 46, with lows near 25. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 46° | 35° | 25° |
| April | 71° | 57° | 44° |
| July | 89° | 77° | 67° |
| October | 74° | 59° | 46° |
Flying in and out of 40046
The nearest airport, Blue Grass, is about 30 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 76 miles away.
The best schools in and around 40046
Schools across 40046 average a C+, better than 42% of zip codes.
Top elementary schools
- Robert B. Turner Elementary SchoolB− · 41% proficient
- Taylorsville Elementary SchoolC+ · 38% proficient
- Heritage ElementaryC+ · 37% proficient
Top middle schools
- Spencer County Middle SchoolC+ · 37% proficient
- Anderson County Middle SchoolC− · 30% proficient
- Shelby County East Middle SchoolD+ · 27% proficient
Top high schools
- Anderson County High SchoolC · 35% proficient
- Spencer County High SchoolC · 34% proficient
- Martha Layne Collins High SchoolC · 31% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 40046 school and its grade on SchoolGrade.
40046 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 40046 against the other 33,109 zip codes.
Common questions about living in 40046
Is 40046 a good place to live?
Using BestNeighborhood's default rankings, 40046 ranks 19,383rd of 33,110 zip codes. It scores highest on civic engagement, tree cover, and affordable childcare, and lowest on the weather and internet speeds. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 40046 expensive to live in?
The median home is worth $252,861. The overall cost of living runs about 10% below the national average. Set against a $85,577 median income, cost of living beats 69% of zip codes.
Is 40046 safe?
Yes, 40046 is safer than 66% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $240 per resident a year.
Compare 40046 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 40046. Scores are absolute rather than ranked, which means a 60 in 40046 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.
40046 detail on BestNeighborhood maps:
- Walk Grade for 40046: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 40046: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 40046: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 40046: carrier by carrier coverage behind the cell score.
40046 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.