ZIP code 40486

ZIP 40486 is a small town in Jackson County, Kentucky, with 2,774 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #275 of 779 ranked by population — larger than 64% of them. The median age here is 35.7 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 40486 earn a median of $59,987 a year, 23.6% 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 12.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 40486 is valued at $121,900, 59.8% 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% 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. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

The Census withheld gross rent for ZIP 40486 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 40486 is tabulated inside Jackson County, Kentucky, one of 5 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 40486 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40486 reports a median household income of $59,987, 18% above the $50,805 county median, and 11% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $121,900, 9% above the county figure and 7% below 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 40486.

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 40486 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.