Best Places41004, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 41004, 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.
41004 ranks 25,343rd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on affordable childcare by a wide margin, and long commutes are the weak spot.
The best neighborhoods in 41004
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.
41004's strengths and weaknesses
Where 41004 ranks high
- Cheap childcare$545 a month, better than 91% of zip codes
- Tree shadeBetter than 76% of zip codes
- QuietBetter than 76% of zip codes
- Heat safetyBetter than 69% of zip codes
- Low income/sales/gas taxBetter than 67% of zip codes
Where 41004 ranks low
- Short commute36.7 minutes each way, better than only 8% of zip codes
- BikingBetter than only 10% of zip codes
- Internet speedBetter than only 12% of zip codes
- Healthcare accessBetter than only 15% of zip codes
- Cheap car insuranceBetter than only 15% of zip codes
What it costs to buy a home in 41004
A household needs to earn about $32,000 a year to comfortably buy the median 41004 home, at 20% down and today's 30-year rate. That is below the area's own median income of $65,513, 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 41004's effective rate of 0.71%, 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 5 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 41004
41004 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 41004.
Who works in 41004, and how
Work in 41004 centers on manufacturing and construction. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 93%
- Work from home 3%
- Transit, walk, or bike 3%
Life in 41004
The map and measures below break down dining, culture, and green space by neighborhood across 41004.
What the weather is like in 41004, month by month
41004 sees roughly 77 pleasant days a year. July highs average about 87 degrees. January highs sit near 40, with lows near 26. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 40° | 32° | 26° |
| April | 67° | 55° | 45° |
| July | 87° | 76° | 67° |
| October | 70° | 58° | 48° |
Flying in and out of 41004
Cincinnati/Northern Kentucky International sits about 41 miles away. It is a medium hub and boarded 4.4 million passengers in 2025, with 99 nonstop destinations.
The best schools in and around 41004
Schools across 41004 average a D+, better than 17% of zip codes.
Top elementary schools
- Southern Elementary SchoolC− · 28% proficient
- Taylor Elementary SchoolD+ · 25% proficient
Top middle schools
- Bracken County Middle SchoolC · 33% proficient
- Phillip Sharp Middle SchoolD · 21% proficient
Top high schools
- Pendleton County High SchoolD+ · 25% proficient
- Bracken County High SchoolD · 18% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 41004 school and its grade on SchoolGrade.
41004 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 41004 against the other 33,109 zip codes.
Common questions about living in 41004
Is 41004 a good place to live?
Using BestNeighborhood's default rankings, 41004 ranks 25,343rd of 33,110 zip codes. It scores highest on affordable childcare, tree cover, and quiet, and lowest on long commutes and biking. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 41004 expensive to live in?
The median home is worth $124,576. The overall cost of living runs about 20% below the national average. Set against a $65,513 median income, cost of living beats 49% of zip codes.
Is 41004 safe?
Yes, 41004 is safer than 60% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $267 per resident a year.
Compare 41004 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 41004. Scores are absolute rather than ranked, which means a 60 in 41004 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.
41004 detail on BestNeighborhood maps:
- Walk Grade for 41004: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 41004: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 41004: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 41004: carrier by carrier coverage behind the cell score.
41004 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.