ZIP code 40845

ZIP 40845 is a very small community in Bell County, Kentucky, with 639 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #546 of 779 ranked by population — larger than 29% of them. The median age here is 51 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 40845 earn a median of $23,003 a year, 70.7% 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 46.2% 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 40845 is valued at $98,600, 67.5% below the national figure, while median gross rent runs $830 a month, 41% below the national figure, or roughly $9,960 across a full year. A household on the local median income would put about 43.3% 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 4.3×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 48.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 51 puts ZIP 40845 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 639 residents, a handful of survey responses moves every median on this page. Compare ZIP 40845 against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 40845 is tabulated inside Bell County, Kentucky, one of 11 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 40845 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40845 reports a median household income of $23,003, 37% below the $36,576 county median, and 57% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $98,600, 18% above the county figure and 25% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $830 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 40845.

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 40845 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.