Best Places40504, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 40504, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
40504 ranks 22,025th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on biking by a wide margin, and the weather ranks lowest.
The best neighborhoods in 40504
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.
40504's strengths and weaknesses
Where 40504 ranks high
- BikingBetter than 96% of zip codes
- TransitBetter than 93% of zip codes
- WalkabilityBetter than 91% of zip codes
- Short commute18.6 minutes each way, better than 90% of zip codes
- Internet speedBetter than 89% of zip codes
Where 40504 ranks low
- Nice weatherabout 54 pleasant days a year, better than only 2% of zip codes
- Healthcare accessBetter than only 8% of zip codes
- Voter turnoutBetter than only 12% of zip codes
- Household income$51,055 median, better than only 12% of zip codes
- Crime safetyBetter than only 12% of zip codes
What it costs to buy a home in 40504
A household needs to earn about $58,000 a year to comfortably buy the median 40504 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $51,055, so buying stretches a typical household.
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 40504's effective rate of 0.91%, 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 7 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 40504
40504 runs younger than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 40504.
Who works in 40504, and how
Work in 40504 centers on education 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 85%
- Work from home 6%
- Transit, walk, or bike 9%
Life in 40504
40504 has more restaurants and bars per resident than 72% of zip codes and more parkland per resident than 78% of zip codes. Dining, parks, and nightlife concentrates in some parts of 40504 and thins out in others, which the map shows.
What the weather is like in 40504, month by month
40504 sees roughly 54 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 40504
The nearest airport, Blue Grass, is about 4 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 70 miles away.
The best schools in and around 40504
Schools across 40504 average a C+, better than 54% of zip codes.
Top elementary schools
- Garden Springs Elementary SchoolC+ · 37% proficient
- James Lane Allen Elementary SchoolD− · 14% proficient
- Cardinal Valley Elementary SchoolF · 8% proficient
Top middle schools
- Scapa At BluegrassA · 66% proficient
- Beaumont Middle SchoolB · 43% proficient
- Jessie M Clark Middle SchoolB− · 40% proficient
Top high schools
- Paul Laurence Dunbar High SchoolB · 48% proficient
- Audrey Grevious CenterD+ · 25% proficient
- Family Care CenterD+ · 25% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 40504 school and its grade on SchoolGrade.
40504 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 40504 against the other 33,109 zip codes.
Who 40504 suits
Remote workers
Internet is fast and widely advertised and 6% already work from home.
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 40504
Is 40504 a good place to live?
Using BestNeighborhood's default rankings, 40504 ranks 22,025th of 33,110 zip codes. It scores highest on biking, transit, and walkability, and lowest on the weather and thin health care access. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 40504 expensive to live in?
The median home is worth $218,603. The overall cost of living runs about 17% below the national average. Set against a $51,055 median income, cost of living beats 17% of zip codes.
Is 40504 safe?
40504 is safer than 12% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $505 per resident a year.
What is the weather like in 40504?
July highs average about 89 degrees, and January highs near 46 with lows near 26. That works out to about 54 pleasant days a year, more than 2% of zip codes.
Is 40504 good for families?
Schools beat 54% of zip codes, crime safety beats 12%, and childcare runs $797 a month.
Compare 40504 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 40504. Scores are absolute rather than ranked, which means a 60 in 40504 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.
40504 detail on BestNeighborhood maps:
- Walk Grade for 40504: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 40504: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 40504: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 40504: carrier by carrier coverage behind the cell score.
40504 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.