St. Matthews, KY demographics:
population, income, and more

Total population
17,577
0.5% year-over-year change
Median household income
$82,412/yr
2.1% year-over-year change
Housing units
9,375
1.7% year-over-year change

St. Matthews population

How many people live in St. Matthews

St. Matthews is home to 17,577 residents, according to the most recent Census data. Gender-wise, 46.8% of St. Matthews locals are male, and 53.2% are female.

Total population
17,577
0.5% year-over-year change
Gender ratio
Male
46.8%
8,218
Female
53.2%
9,359
Value Percent YoY change
Male 8,218 46.8% -0.4%
Female 9,359 53.2% 1.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in St. Matthews is 36, with the population distributed as follows: about 12.5% are children under 15, then 12% are in the 15 to 24 age group. Adults between 25 and 44 make up 37.6% of the population, while another 19.4% fall into the 45 to 64 bracket. Finally, around 18.5% are 65 or older.

Median age
36.5
Age breakdown
Under 15
12.5%
15 to 24
12%
25 to 44
37.6%
45 to 64
19.4%
Over 65
18.5%
Value Percent YoY change
Under 15 2,203 12.5% 2.5%
15 to 24 2,113 12% 11.4%
25 to 44 6,605 37.6% 5.6%
45 to 64 3,411 19.4% -9.4%
Over 65 3,245 18.5% -5.1%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In St. Matthews, 91.8% of the population are US-born citizens, while 5.2% have gained naturalized citizenship. At the same time, 3.1% of residents are non-citizens. As for race, 85.9% of locals are Caucasian, 4.1% are African American and 2.5% have Asian roots. There’s also a share of 6.6% that includes residents with two or more races.

Citizenship
U.S.-born citizens
91.8%
Non-U.S.-born citizens
5.2%
Non-citizens
3.1%
Value Percent YoY change
U.S.-born citizens 16,131 91.8% 0.3%
Non-U.S.-born citizens 909 5.2% -0.9%
Non-citizens 537 3.1% 7.8%
Racial breakdown
White
85.9%
Black or African American
4.1%
American Indian and Alaska Native
0.1%
Asian
2.5%
Native Hawaiian and other Pacific Islander
0%
Two or more races
6.6%
Other
0.7%
Value Percent
White 15,105 85.9%
Black or African American 725 4.1%
American Indian and Alaska Native 11 0.1%
Asian 442 2.5%
Two or more races 1,166 6.6%
Other 128 0.7%

Households in St. Matthews

A peek inside St. Matthews households

St. Matthews has 8,772 households, with an average of 2 members in each. Of these, 47.9% are families, while the remaining 52.1% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
8,772
0.5% year-over-year change
Average people per household
2
Non-family households
4,568
Family households
4,204
Value Percent YoY change
Non-family households 4,568 52.1% 1.2%
Family households 4,204 47.9% -0.2%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in St. Matthews

The housing landscape of St. Matthews

St. Matthews's housing consists of 9,375 units, with 50.3% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 2.4% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.4% of the housing landscape.

Housing units
9,375
1.7% year-over-year change
Housing types
Value Percent
1 unit, detached 4,712 50.3%
1 unit, attached 230 2.4%
2 units 176 1.9%
3 or 4 units 1,054 11.2%
5 to 9 units 1,306 13.9%
10 to 19 units 780 8.3%
20 to 49 units 507 5.4%
50 or more units 570 6.1%
Mobile home 40 0.4%
Homes built since 2020
68
9.7% year-over-year change

The age of buildings in St. Matthews

In St. Matthews, the median construction year is 1969. About 9.6% of homes were built before the 1940s, with another 16.7% going up by 1949. Most development happened in the second half of the 20th century. Then, 3.6% of homes were added from 2000 to 2009, 4.4% between 2010 and 2019, and 0.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 905 9.6% 32.3%
Built between 1940 and 1949 1,564 16.7% -4.7%
Built between 1950 and 1959 1,419 15.1% 0.1%
Built between 1960 and 1969 861 9.2% 7.9%
Built between 1970 and 1979 1,638 17.5% -11.7%
Built between 1980 and 1989 1,636 17.4% 1.4%
Built between 1990 and 1999 532 5.7% -7.3%
Built between 2000 and 2009 337 3.6% 80.2%
Built between 2010 and 2019 415 4.4% 7.0%
Built in 2020 or later 68 0.7% 9.7%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

St. Matthews occupancy rates

Out of the 8,772 occupied housing units in St. Matthews, 53.3% are owner-occupied, while 46.7% are lived in by tenants. Meanwhile, 6.4% of all homes on the local market sit vacant.

Occupied housing units
8,772
0.5% year-over-year change
Occupancy breakdown
Renter occupied
4,099
Owner occupied
4,673
Value Percent YoY
change
Renter occupied 4,099 46.7% -0.2%
Owner occupied 4,673 53.3% 1.1%
Unoccupied housing units
6.4%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

St. Matthews housing costs

Housing costs in St. Matthews come to a median of $1,295 per month, while tenants specifically pay a median gross rent of $1,369.

Median housing costs per month
$1,295/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in St. Matthews
$1,369/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in St. Matthews

St. Matthews education at a glance

About 15.8% of the population in St. Matthews went to high school, while 20.9% pursued college studies. Another 4.9% earned an associate degree and 32.8% hold a bachelor’s. Meanwhile, 24% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 236 1.6% -1.3%
High school diploma 2,327 15.8% -6.5%
College diploma 3,077 20.9% -0.1%
Associate degree 717 4.9% -9.6%
Bachelor's degree 4,820 32.8% 3.3%
Graduate degree 3,531 24% 0.5%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in St. Matthews

How much people earn in St. Matthews

The average annual household income in St. Matthews was $109,582 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +2.8% change from the previous year. At the same time, the median income stood at $82,412, reflecting a +2.1% shift over the same period.

Average household income in St. Matthews
$109,582/year
2.9% year-over-year change
Median household income in St. Matthews
$82,412/year
2.1% year-over-year change

St. Matthews income by age

In St. Matthews, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $98,563. Those with someone between 45 and 64 in charge, often well established professionally, earn $92,813 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $47,279, while those led by someone over 65, many of whom may be retired, have about $58,795 in earnings. Overall, 92.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $47,279 4.5%
25 - 44 $98,563 4.2%
45 - 64 $92,813 -0.4%
Over 65 $58,795 13.7%
Above poverty level
15,756
Below poverty level
1,236
Value Percent YoY
change
Above poverty level 15,756 92.7% 1.1%
Below poverty level 1,236 7.3% -9.8%

Average renter income in St. Matthews

To get a better sense of what renters earn on average in St. Matthews, their median household income was $56,898 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 28.9%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$56,898
Rent-to-income ratio
28.9%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in St. Matthews

Workforce and job types in St. Matthews

The job market in St. Matthews is powered by 10,512 working residents, spread across a range of industries and roles. 89.9% of the working population are employed in professional or administrative positions, while 10.1% are in hands-on or service-based jobs. Also, 8.2% run their own businesses, 69.6% are employed by private companies, and 8.8% work in the public sector.

Workforce demographics

Working population
10,512
3.2% year-over-year change
White collar
9,455
Blue collar
1,057
Value Percent YoY change
White collar 9,455 89.9% 4.2%
Blue collar 1,057 10.1% -5.0%
Employer type
Self employees
8.2%
Private companies
69.6%
Governmental workers
8.8%
Not for profit companies
13.3%
Value Percent YoY change
Self employees 862 8.2% 5.0%
Private companies 7,320 69.6% 0.7%
Governmental workers 929 8.8% 2.6%
Not for profit companies 1,401 13.3% 17.5%
Unemployment rate
3.8%
-2.4% year-over-year change

Available workforce

The unemployment rate in St. Matthews stands at 3.8%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in St. Matthews

How people get around in St. Matthews

Commuting methods vary: 79.6% of residents travel by personal vehicle and 0.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 8,328 79.6% 1.4%
Taxicab 17 0.2% N/A
Bus or trolleybus 38 0.4% 2.7%
Bicycle 16 0.2% N/A
Walk 80 0.8% 5.3%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in St. Matthews by zipcode?

Zipcode Population Number of households Median income Average income
40207 28,903 13,759 $101,898 $150,612
40222 21,470 10,047 $82,511 $122,128

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FAQs about St. Matthews demographics 

What is the total population of St. Matthews?

St. Matthews has a total population of 17,577 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.5% compared to a year ago.

What is the gender ratio in St. Matthews?

The gender ratio in St. Matthews is as follows:
  • 46.8% males (8,218 residents)
  • 53.2% females (9,359 residents)

What is the median age in St. Matthews?

The median age in St. Matthews is 36.5.

What is the age distribution of the population in St. Matthews?

The age distribution in St. Matthews is as follows:
  • Under 15: 12.5% (2,203 residents)
  • Ages 15-24: 12% (2,113 residents)
  • Ages 25-44: 37.6% (6,605 residents)
  • Ages 45-64: 19.4% (3,411 residents)
  • Over 65: 18.5% (3,245 residents)

What is the racial and ethnic makeup of St. Matthews?

The racial and ethnic makeup of St. Matthews is as follows:
  • White: 85.9% (15,105 residents)
  • Black or African American: 4.1% (725 residents)
  • American Indian and Alaska Native: 0.1% (11 residents)
  • Asian: 2.5% (442 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 6.6% (1,166 residents)
  • Other: 0.7% (128 residents)

What percentage of the population in St. Matthews are U.S.-born citizens?

U.S.-born citizens represent 91.8% of the population in St. Matthews.

How many housing units are there in St. Matthews?

There are 9,375 housing units in St. Matthews, reflecting a +1.7% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in St. Matthews and what is the average household size?

St. Matthews has a total of 8,772 households, with an average of 2 people in each.

What is the median household income in St. Matthews?

St. Matthews has a median household income of $82,412, representing a +2.1% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for St. Matthews?

The employment rate is 96.2% in St. Matthews, with a workforce of 10,512 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 89.9% (9,455 residents)
  • Blue-collar workers: 10.1% (1,057 residents)

Places of employment:
  • Self-employed: 8.2% (862 residents)
  • Private companies: 69.6% (7,320 residents)
  • Governmental workers: 8.8% (929 residents)
  • Not-for-profit companies: 13.3% (1,401 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025