ZIP code 40040

ZIP 40040 is a very small community in Washington County, Kentucky, with 703 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #528 of 779 ranked by population — larger than 32% of them. The median age here is 44.1 years against 39.1 nationally, a slightly older 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 40040 earn a median of $26,369 a year, 66.4% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 44% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 40040 is valued at $143,900, 52.6% below the national figure, while median gross rent runs $1,333 a month, 5.2% below the national figure, or roughly $15,996 across a full year. A household on the local median income would put about 60.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is severely stretched — a median-income renter clears the cost-burden line by a wide margin before utilities beyond the gross-rent definition. The home-price-to-income ratio works out to 5.5×, against roughly 3.9× nationally, so buying is harder 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. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

With 703 residents, a handful of survey responses moves every median on this page. Compare ZIP 40040 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 40040 is tabulated inside Washington County, Kentucky, one of 4 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 40040 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40040 reports a median household income of $26,369, 51% below the $53,750 county median, and 51% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $143,900, 11% below the county figure and 10% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,333 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 40040.

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 40040 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.