ZIP code 40940

ZIP 40940 is a very small community in Bell County, Kentucky, with 388 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #620 of 779 ranked by population — larger than 20% of them. The median age here is 37 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 40940 earn a median of $19,567 a year, 75.1% 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 22.9% 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 40940 is valued at $45,000, 85.2% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 2.3×, 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. 80.4% 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. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 388 residents, a handful of survey responses moves every median on this page. Compare ZIP 40940 against its county rather than against national figures.

The Census withheld gross rent for ZIP 40940 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 40940 is tabulated inside Bell County, Kentucky, one of 11 ZIP areas the Census publishes for that county and 779 across Kentucky. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. 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 40940 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40940 reports a median household income of $19,567, 47% below the $36,576 county median, and 64% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $45,000, 46% below the county figure and 66% 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 40940.

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 40940 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.