Best Places40324, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 40324, 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.
40324 ranks 8,865th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores best on few empty homes, and car insurance costs are the weak spot.
The best neighborhoods in 40324
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.
40324's strengths and weaknesses
Where 40324 ranks high
- Low vacancyBetter than 84% of zip codes
- Cost of living vs incomeBetter than 82% of zip codes
- Cell coverageBetter than 80% of zip codes
- Local economyBetter than 78% of zip codes
- Internet speedBetter than 78% of zip codes
Where 40324 ranks low
- Cheap car insuranceBetter than only 19% of zip codes
- QuietBetter than only 25% of zip codes
- Nice weatherabout 73 pleasant days a year, better than only 31% of zip codes
- School gradeC, better than only 35% of zip codes
- Healthcare accessBetter than only 42% of zip codes
What it costs to buy a home in 40324
A household needs to earn about $77,000 a year to comfortably buy the median 40324 home, at 20% down and today's 30-year rate. That is below the area's own median income of $91,102, 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 40324'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 40324
40324 runs younger than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 40324.
Who works in 40324, and how
Work in 40324 centers on manufacturing and health care & social. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 86%
- Work from home 10%
- Transit, walk, or bike 3%
Life in 40324
40324 has more parkland per resident than 74% of zip codes and more late-night spots per resident than 69% of zip codes. Dining, parks, and nightlife concentrates in some parts of 40324 and thins out in others, which the map shows.
What the weather is like in 40324, month by month
40324 sees roughly 73 pleasant days a year. July highs average about 89 degrees. January highs sit near 46, with lows near 26. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 46° | 35° | 26° |
| April | 70° | 56° | 44° |
| July | 89° | 77° | 67° |
| October | 74° | 60° | 47° |
Flying in and out of 40324
The nearest airport, Blue Grass, is about 13 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 58 miles away.
The best schools in and around 40324
Schools across 40324 average a C, better than 35% of zip codes.
Top elementary schools
- Western Elementary SchoolB− · 42% proficient
- Northern Elementary SchoolB− · 40% proficient
- Garth Elementary SchoolC+ · 38% proficient
Top middle schools
- Scott County Middle SchoolB− · 40% proficient
- Royal Spring Middle SchoolC+ · 39% proficient
- Winburn Middle SchoolC− · 27% proficient
Top high schools
- Great Crossing High SchoolC+ · 37% proficient
- Scott County High SchoolC · 34% proficient
- Bourbon County High SchoolC− · 27% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 40324 school and its grade on SchoolGrade.
40324 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 40324 against the other 33,109 zip codes.
Who 40324 suits
Families
Schools land around the 35th percentile and crime safety beats 66%.
Remote workers
Cost of living against local pay beats 82% of zip codes, internet is fast and widely advertised, and 10% already work from home.
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 40324
Is 40324 a good place to live?
Using BestNeighborhood's default rankings, 40324 ranks 8,865th of 33,110 zip codes. It scores highest on few empty homes, what local pay buys, and cell coverage, and lowest on car insurance costs and noise. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 40324 expensive to live in?
The median home is worth $300,450. The overall cost of living runs about 15% below the national average. Set against a $91,102 median income, cost of living beats 82% of zip codes.
Is 40324 safe?
Yes, 40324 is safer than 66% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $245 per resident a year.
What is the weather like in 40324?
July highs average about 89 degrees, and January highs near 46 with lows near 26. That works out to about 73 pleasant days a year, more than 31% of zip codes.
Is 40324 good for families?
Schools beat 35% of zip codes, crime safety beats 66%, and childcare runs $921 a month.
Compare 40324 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 40324. Scores are absolute rather than ranked, which means a 60 in 40324 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.
40324 detail on BestNeighborhood maps:
- Walk Grade for 40324: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 40324: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 40324: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 40324: carrier by carrier coverage behind the cell score.
40324 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.