ZIP code 40012

ZIP 40012 is a very small community in Nelson County, Kentucky, with 885 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #488 of 779 ranked by population — larger than 37% of them. The median age here is 35.2 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 40012 earn a median of $81,150 a year, 3.3% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 13.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 40012 is valued at $208,500, 31.3% below the national figure, while median gross rent runs $910 a month, 35.3% below the national figure, or roughly $10,920 across a full year. A household on the local median income would put about 13.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 83.3% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not. With 885 residents, a handful of survey responses moves every median on this page. Compare ZIP 40012 against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 40012 is tabulated inside Nelson County, Kentucky, one of 8 ZIP areas the Census publishes for that county and 779 across Kentucky. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 40012 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40012 reports a median household income of $81,150, 17% above the $69,557 county median, and 51% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $208,500, close to the county figure and 59% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $910 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Kentucky charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 40012.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 40012 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.