HousingHandbookReference data

U.S. ZIP Code · KY40601

Franklin County

Typical home value

$242,689[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-1.7%
5-year / yr
+6.5%
10-year / yr
+6.1%

Relative price

vs U.S.
-14.6%
vs metro
vs state
+46.1%
ZIP 40601 location in KY
Location of ZIP 40601 in KY

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 40601 is worth $242,689. Over the past year, values have fallen 1.7%. Homes here rent for a typical $1,125 a month — a 5.6% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,125[2]
Gross yield
5.6%[2]
Cap rate
3.3%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.7%[3]
Typical annual tax
$1,740[3]

#Climate risk

FEMA National Risk Index ratings for Franklin County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Very Low
Heat wave
Relatively Low
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
51,893[3]
Median household income
$65,732[3]

#Migration

Household moves in and out of Franklin County over a year, from IRS tax-return data.

Net migration
+125[5]
Moved in
1,500
Moved out
1,375

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
18
Elementary
8
Middle
2
High
7
  • Franklin County High School

    High · Grades 9–12 · Franklin County

    968 students

  • Western Hills High School

    High · Grades 9–12 · Franklin County

    855 students

  • Elkhorn Middle School

    Middle · Grades 6–8 · Franklin County

    720 students

  • Bondurant Middle School

    Middle · Grades 6–8 · Franklin County

    599 students

  • Second Street School

    Elementary · Grades K–8 · Frankfort Independent

    585 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield5.6%
Net yield (after ~40% expenses)3.3%
Annual rent$13,495

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,227
Loan principal$194,151
Down payment$48,538
Total interest paid$247,629

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.40
Monthly cost to own$1,575
Monthly rent$1,125

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Rankings

Top-10 lists this ZIP code appears on.

Frequently asked

How much is a home worth in ZIP code 40601?
The typical home in 40601 is worth $242,689, based on the Zillow Home Value Index.
Are home values rising in 40601?
Home values in 40601 are down 1.7% over the past year, and up 6.5% a year over five years.
What is the typical rent in 40601?
A typical home in 40601 rents for about $1,125 a month, a gross rental yield of 5.6%.
What is the property tax rate in 40601?
The effective property tax rate in 40601 is 0.7% — roughly $1,740 a year on a typical home.
Who lives in 40601?
ZIP code 40601 has a population of 51,893 and a median household income of $65,732.

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