Lincoln County · Kentucky
ZIP code 40489
- Population
- 4,238
- Median income
- $49,205
- Median home
- $117,500
- Sales tax
- 6%
ZCTA residents
Household, past 12 months
Owner-occupied value
Kentucky state rate
Quick answer
ZIP 40489 sits in Lincoln County, Kentucky and is home to 4,238 people. Median household income is $49,205, the median home is worth $117,500 and median gross rent is $691. 89.1% of households own their home, and purchases are taxed at 6% (Kentucky state rate).
- County
- Lincoln County
- State
- Kentucky (KY)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 21137
779 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 40489
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 4,238ZIP 40489 residents
- Median household income
- $49,205Past 12 months, inflation adjusted
- Median home value
- $117,500Owner-occupied units
- Median gross rent
- $691Rent plus utilities, monthly
- Median age
- 42.1 yrsAll residents
- Homeownership rate
- 89.1%Owner-occupied households
Sales tax in 40489
What a purchase inside this ZIP costs at checkout.
Kentucky levies 6% statewide with no local add-ons. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 40489 compares
ZIP 40489 against the median ZIP in Lincoln County and across Kentucky.
| Measure | ZIP 40489 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $49,205 | $53,078 | $53,906 | -9% |
| Median home value | $117,500 | $126,850 | $130,850 | -10% |
| Median gross rent | $691 | $688 | $791 | -13% |
| Population | 4,238 | 4,238 | 1,457 | +191% |
Medians are computed across the 5 ZIP areas in Lincoln County and the 779 ZIP areas in Kentucky.
Statewide rank
Where this ZIP places among all 779 Kentucky ZIP areas.
- Income
- #398
- Home value
- #379
- Population
- #227
richer than 38% of 641 state ZIPs
above 42% of 654 state ZIPs
larger than 71% of 779 state ZIPs
Comparable ZIP codes
Kentucky ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Lincoln County.
ZIP 40489 questions
Common questions about this ZIP code.
- Where is ZIP code 40489?
- ZIP 40489 lies mostly in Lincoln County, Kentucky. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 40489?
- Kentucky charges 6% statewide.
- Is 40489 expensive to live in?
- Median rent runs $691 a month, about 17% of median household income, and the median home is worth $117,500 — -10% against the typical Kentucky ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Kentucky Department of Revenue — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.