ZIP code 40045

ZIP 40045 is a small town in Trimble County, Kentucky, with 3,118 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #261 of 779 ranked by population — larger than 66% of them. The median age here is 41.6 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 40045 earn a median of $72,222 a year, 8% below 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 5.6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 40045 is valued at $146,400, 51.7% below the national figure, while median gross rent runs $944 a month, 32.9% below the national figure, or roughly $11,328 across a full year. A household on the local median income would put about 15.7% 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×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 82.1% 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.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 40045 is tabulated inside Trimble County, Kentucky, one of 3 ZIP areas the Census publishes for that county and 779 across Kentucky. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 40045 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40045 reports a median household income of $72,222, close to the $72,222 county median, and 34% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $146,400, 20% below the county figure and 12% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $944 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 40045.

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 40045 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.