ZIP code 40464

ZIP 40464 is a very small community in Boyle County, Kentucky, with 809 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #504 of 779 ranked by population — larger than 35% of them. The median age here is 53.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 40464 earn a median of $68,654 a year, 12.6% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 6.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 40464 is valued at $135,700, 55.3% below the national figure, while median gross rent runs not published a month. 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. 90.4% 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.

A median age of 53.3 puts ZIP 40464 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 809 residents, a handful of survey responses moves every median on this page. Compare ZIP 40464 against its county rather than against national figures.

The Census withheld gross rent for ZIP 40464 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 40464 is tabulated inside Boyle 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 40464 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40464 reports a median household income of $68,654, 7% above the $64,239 county median, and 27% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $135,700, 5% below the county figure and 4% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 40464.

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 40464 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.