ZIP code 41095

ZIP 41095 is a small town in Gallatin County, Kentucky, with 3,775 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #239 of 779 ranked by population — larger than 69% of them. The median age here is 37.5 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 41095 earn a median of $59,342 a year, 24.4% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 15.6% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 41095 is valued at $165,500, 45.5% below the national figure, while median gross rent runs $788 a month, 44% below the national figure, or roughly $9,456 across a full year. A household on the local median income would put about 15.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 59.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

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 41095 is tabulated inside Gallatin County, Kentucky, one of 2 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 41095 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 41095 reports a median household income of $59,342, close to the $59,627 county median, and 10% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $165,500, close to the county figure and 26% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $788 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 41095.

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 41095 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.