Best Places47038, IN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 47038, 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.
47038 ranks 30,956th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low property taxes by a wide margin, and the weather ranks lowest.
The best neighborhoods in 47038
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.
47038's strengths and weaknesses
Where 47038 ranks high
- Low property taxBetter than 93% of zip codes
- Cheap car insuranceBetter than 85% of zip codes
- State infrastructureBetter than 79% of zip codes
- Tree shadeBetter than 67% of zip codes
- QuietBetter than 66% of zip codes
Where 47038 ranks low
- Nice weatherabout 51 pleasant days a year, better than only 1% of zip codes
- Educational attainmentBetter than only 5% of zip codes
- Local economyBetter than only 6% of zip codes
- BikingBetter than only 7% of zip codes
- Cost of living vs incomeBetter than only 10% of zip codes
What it costs to buy a home in 47038
A household needs to earn about $35,000 a year to comfortably buy the median 47038 home, at 20% down and today's 30-year rate. That is below the area's own median income of $53,861, 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 47038's effective rate of 0.37%, 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 47038
47038 runs older 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 47038.
Who works in 47038, and how
Work in 47038 centers on manufacturing and utilities. Unemployment runs well above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 93%
- Work from home 3%
- Transit, walk, or bike 4%
Life in 47038
47038 has more restaurants and bars per resident than 98% of zip codes. That concentrates in some parts of 47038 and thins out in others, which the map shows.
What the weather is like in 47038, month by month
47038 sees roughly 51 pleasant days a year. July highs average about 88 degrees. January highs sit near 43, with lows near 23. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 43° | 32° | 23° |
| April | 68° | 55° | 43° |
| July | 88° | 77° | 67° |
| October | 71° | 59° | 47° |
Flying in and out of 47038
Cincinnati/Northern Kentucky International sits about 17 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 47038
Schools across 47038 average a D+, better than 13% of zip codes.
Top elementary schools
- Switzerland Co Elementary SchoolC− · 27% proficient
- Ohio County Elementary SchoolD+ · 23% proficient
- Gallatin County Upper ElementaryD+ · 23% proficient
Top middle schools
- Ohio County Middle SchoolD+ · 25% proficient
- Gallatin County Middle SchoolD · 19% proficient
Top high schools
- Rising Sun High SchoolC+ · 40% proficient
- Gallatin County High SchoolD · 22% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 47038 school and its grade on SchoolGrade.
47038 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 47038 against the other 33,109 zip codes.
Common questions about living in 47038
Is 47038 a good place to live?
Using BestNeighborhood's default rankings, 47038 ranks 30,956th of 33,110 zip codes. It scores highest on low property taxes, cheap car insurance, and state infrastructure, and lowest on the weather and education levels. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 47038 expensive to live in?
The median home is worth $143,059. The overall cost of living runs about 6% below the national average. Set against a $53,861 median income, cost of living beats 10% of zip codes.
Is 47038 safe?
47038 is safer than 27% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $361 per resident a year.
Compare 47038 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 47038. Scores are absolute rather than ranked, which means a 60 in 47038 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.
47038 detail on BestNeighborhood maps:
- Walk Grade for 47038: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 47038: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 47038: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 47038: carrier by carrier coverage behind the cell score.
47038 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.