Zip code 40045: Milton, Kentucky

Q: What city is zip code 40045?

40045 is assigned to Milton, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 40045 in?

40045 is mostly in Trimble County, but it extends into 1 other county.

Q: What is the population of 40045?

About 3,251 people live in 40045, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 40045?

The median household income in 40045 is $76,607.

Q: What zip codes are near 40045?

The closest zip codes to 40045 are 40006, 47243, 47250, 41008, 47104.

Residential delivery areaTrimble CountyEastern Time

Population

3,251

Median household income

$77K

U.S. $81K

Median home value

$175K

U.S. $333K

Median rent

$854/mo

U.S. $1,413

Median age

U.S. 38.9

Land area

50 sq mi

65 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 40045

40045 is a small-town zip code in Milton, Kentucky (Trimble County), covering 50 sq mi of land. About 3,251 people live here, or 65 per square mile. The median resident is 45 years old, compared with 38.9 nationally.

The median household earns $76,607 a year, close to the national median of $80,734. 4.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $174,700, or 2.3 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 79% of occupied homes are lived in by their owners, and renters pay a median of $854 a month.

21% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.8 minutes each way, and 6% of workers work from home. The most common jobs among working residents are in healthcare; production and manufacturing; and sales.

How 40045 compares

Sorted from highest to lowest national percentile

Healthcare workers16.9%
98th
U.S. 9.7% · KY 10.5%113th of 719 in KY
Income inequality (Gini)0.503
89th
WeaknessU.S. 0.483 · KY 0.47789th of 715 in KY
Housing vacancy15.1%
87th
U.S. 10.1% · KY 10.3%284th of 719 in KY
Tech workers6.3%
87th
U.S. 3.8% · KY 2.2%18th of 719 in KY
Median age45
86th
U.S. 38.9 · KY 39.1228th of 724 in KY
Homeownership rate79.2%
77th
U.S. 65.2% · KY 68.3%335th of 719 in KY
Veterans8%
77th
U.S. 6.2% · KY 6.5%167th of 724 in KY
Residents 65 and older19.1%
68th
U.S. 17.2% · KY 17.3%312th of 724 in KY
Broadband access93.9%
65th
U.S. 91% · KY 88.6%125th of 719 in KY
Per capita income$45,831
64th
U.S. $44,673 · KY $35,82154th of 722 in KY
Residents under 1822.1%
50th
U.S. 22% · KY 22.6%364th of 724 in KY
Uninsured rate6.6%
48th
U.S. 8.4% · KY 6%234th of 723 in KY
Median household income$76,607
46th
U.S. $80,734 · KY $63,726113th of 641 in KY
Average commute24.8 min
42nd
U.S. 26.4 min · KY 24 min389th of 624 in KY
Median earnings per worker$45,713
42nd
U.S. $49,666 · KY $43,552207th of 700 in KY
Government workers12.4%
39th
U.S. 14.5% · KY 14.6%435th of 719 in KY
Unemployment rate4.1%
36th
U.S. 5.2% · KY 4.9%340th of 719 in KY
Self-employed workers7.7%
28th
U.S. 10% · KY 8.6%372nd of 719 in KY
Bachelor's degree or higher20.5%
22nd
U.S. 35.7% · KY 27.6%222nd of 723 in KY
Median home value$174,700
16th
U.S. $332,700 · KY $205,600203rd of 642 in KY
Work from home6.2%
12th
U.S. 15.1% · KY 10.2%339th of 719 in KY
Poverty rate4.9%
11th
StrengthU.S. 12.5% · KY 16.1%660th of 722 in KY
Median gross rent$854
10th
U.S. $1,413 · KY $967196th of 467 in KY
Population density65/sq mi
9th
U.S. 95/sq mi · KY 115/sq mi320th of 724 in KY
Diversity index15.5
8th
U.S. 61.4 · KY 32.5286th of 724 in KY
Foreign-born residents1.4%
8th
U.S. 14.1% · KY 4.7%241st of 724 in KY
Population3,251
5th
U.S. 334,922,499 · KY 4,534,824253rd of 724 in KY
Rent-burdened renters13.6%
1st
StrengthU.S. 51.1% · KY 45.4%525th of 634 in KY

Measure	40045	Trimble	KY	U.S.	National percentile	Rank in KY
Healthcare workers	16.9%	12.1%	10.5%	9.7%	98th	113th of 719
Income inequality (Gini)Weakness	0.503	0.468	0.477	0.483	89th	89th of 715
Housing vacancy	15.1%	12.8%	10.3%	10.1%	87th	284th of 719
Tech workers	6.3%	2.9%	2.2%	3.8%	87th	18th of 719
Median age	45	43.3	39.1	38.9	86th	228th of 724
Homeownership rate	79.2%	79.7%	68.3%	65.2%	77th	335th of 719
Veterans	8%	9.8%	6.5%	6.2%	77th	167th of 724
Residents 65 and older	19.1%	18.5%	17.3%	17.2%	68th	312th of 724
Broadband access	93.9%	85.1%	88.6%	91%	65th	125th of 719
Per capita income	$45,831	$34,349	$35,821	$44,673	64th	54th of 722
Residents under 18	22.1%	21.2%	22.6%	22%	50th	364th of 724
Uninsured rate	6.6%	5.2%	6%	8.4%	48th	234th of 723
Median household income	$76,607	$66,027	$63,726	$80,734	46th	113th of 641
Average commute	24.8 min	27.2 min	24 min	26.4 min	42nd	389th of 624
Median earnings per worker	$45,713	$42,748	$43,552	$49,666	42nd	207th of 700
Government workers	12.4%	13.7%	14.6%	14.5%	39th	435th of 719
Unemployment rate	4.1%	6.2%	4.9%	5.2%	36th	340th of 719
Self-employed workers	7.7%	15.6%	8.6%	10%	28th	372nd of 719
Bachelor's degree or higher	20.5%	17.1%	27.6%	35.7%	22nd	222nd of 723
Median home value	$174,700	$172,000	$205,600	$332,700	16th	203rd of 642
Work from home	6.2%	4.1%	10.2%	15.1%	12th	339th of 719
Poverty rateStrength	4.9%	13.3%	16.1%	12.5%	11th	660th of 722
Median gross rent	$854	$863	$967	$1,413	10th	196th of 467
Population density	65/sq mi	58/sq mi	115/sq mi	95/sq mi	9th	320th of 724
Diversity index	15.5	14.9	32.5	61.4	8th	286th of 724
Foreign-born residents	1.4%	1.1%	4.7%	14.1%	8th	241st of 724
Population	3,251	8,550	4,534,824	334,922,499	5th	253rd of 724
Rent-burdened rentersStrength	13.6%	28.5%	45.4%	51.1%	1st	525th of 634

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

20%

5–17

18–24

11%

25–34

13%

35–44

15%

45–54

16%

55–64

15%

65–74

75+

Median age

Under 18

22.1%

65 and over

19.1%

Race and ethnicity

White92%
Black0.1%
Hispanic5%
Asian0.1%
Native American0%
Pacific Islander0%
Other1%
Multiracial1%

Diversity index

15.5

U.S. 61.4

Foreign-born

1.4%

U.S. 14.1%

Born in state

40.8%

Language spoken at home (households)

English only

99%

Spanish

0.8%

Other Indo-European

0.1%

Asian / Pacific

0.2%

Other

Households

Households: 1,363
Average household size: 2.4
Family households: 66.8%
Married couples: 52.6%
Living alone: 30.4%
Veterans (of adults): 8%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

24%

$50–75k

14%

$75–100k

21%

$100–150k

12%

$150–200k

$200k+

Median household income

40045

$76,607

Trimble Co.

$66,027

Kentucky

$63,726

United States

$80,734

Per capita income

$45,831

U.S. $44,673

Poverty rate

4.9%

U.S. 12.5%

Households earning $150K+

17.9%

U.S. 23%

Income inequality (Gini)

0.503

U.S. 0.483

Housing

Median home value

40045

$174,700

Trimble Co.

$172,000

Kentucky

$205,600

United States

$332,700

Median gross rent

40045

$854

Trimble Co.

$863

Kentucky

$967

United States

$1,413

Types of housing

Single-family

70%

2–4 units

0.3%

5–19 units

0.8%

20+ units

0.1%

Mobile home

29%

Boat, RV, van

Housing units: 1,605
Owner-occupied: 79.2%
Vacant: 15.1%
Median year built: 1979
Median rooms: 6
Renters paying 30%+ of income: 13.6%
Renters paying 50%+ of income: 11.6%
Home value to income: 2.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

83%

Carpooled

10%

Transit

Walked

0.2%

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

12%

10–19

33%

20–29

21%

30–44

18%

45–59

10%

60+

Average commute

24.8 min

U.S. 26.4 min

Unemployment

4.1%

U.S. 5.2%

In labor force

67.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

17%

Production

12%

Sales

11%

Management

11%

Construction and repair

10%

Education

Transportation and moving

Computer and math

Office and admin

Business and finance

Police and fire

Legal and social services

Cleaning and personal care

Engineering and science

Food service

0.8%

Arts, media and sports

0.8%

Farming, fishing and forestry

Industries

Manufacturing

22%

Health care and social assistance

18%

Education

13%

Transportation, warehousing and utilities

Retail

Finance, insurance and real estate

Public administration

Construction

Restaurants and hotels

Other services

Admin, support and management

Professional and technical services

Arts and recreation

0.7%

Agriculture and mining

0.5%

Wholesale

0.4%

Information

Median earnings per worker

$45,713

U.S. $49,666

Self-employed

7.7%

U.S. 10%

Government workers

12.4%

U.S. 14.5%

Nonprofit workers

6.6%

U.S. 8.8%

Median earnings by type of work

Type of work	40045	U.S.
Management, business, science and arts	$45,753	$74,888
Service	$24,750	$26,804
Sales and office	$21,591	$40,476
Construction and maintenance	$63,125	$49,199
Production and transportation	$64,716	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

42%

Some college

11%

Associate's

19%

Bachelor's

10%

Graduate

10%

High school graduate or higher: 92.7%
Bachelor's degree or higher: 20.5%
Graduate or professional degree: 10%
Households with broadband: 93.9%
Cable, fiber or DSL: 56.8%
No internet access: 5.6%
Without health insurance: 6.6%
Limited-English households: 0%

Geography

City (USPS): Milton
State: Kentucky
County: Trimble County
Center point: 38.6936° N, 85.3546° W
Land area: 50 sq mi
Water area: 2.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

40045 spans 2 counties

Trimble County72% of land
Carroll County28% of land

Cities and towns within this zip

Milton3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 40045

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
40006	Bedford, KY	6.8 mi	5,068	$59,477	$181,700
47243	Hanover, IN	7.1 mi	6,225	$65,197	$183,900
47250	Madison, IN	8.2 mi	22,884	$61,284	$196,600
41008	Carrollton, KY	10 mi	7,698	$59,844	$147,400
47104	Bethlehem, IN	10 mi	9	—	—
47147	Nabb, IN	12 mi	1,317	$110,556	$253,500
47138	Lexington, IN	12 mi	4,859	$86,335	$201,800
47162	New Washington, IN	12 mi	514	$59,444	$155,400
40055	Pendleton, KY	14 mi	1,942	$97,939	$294,900
40077	Westport, KY	15 mi	678	$73,333	$196,400
47224	Canaan, IN	15 mi	523	$61,618	—
47043	Vevay, IN	15 mi	4,852	$75,123	$190,400

Zip codes like 40045 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 40045

What city is zip code 40045?

40045 is assigned to Milton, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 40045 in?

40045 is mostly in Trimble County, but it extends into 1 other county.

What is the population of 40045?

About 3,251 people live in 40045, according to the Census Bureau's American Community Survey.

What time zone is 40045 in?

40045 is in Eastern Time.

What is the median household income in 40045?

The median household income in 40045 is $76,607.

What zip codes are near 40045?

The closest zip codes to 40045 are 40006, 47243, 47250, 41008, 47104.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 40045, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.