| ZIP Code | 40037 |
|---|---|
| City | Loretto |
| State | Kentucky (KY) |
| County | Marion County |
| Area Code | 270/364 |
| Elevation | 689 ft |
| Latitude | 37.660639 |
|---|---|
| Longitude | -85.417518 |
| Timezone | New York (DST) |
| FIPS | 21155 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 36.6 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.64 |
| Below Poverty | 9.7% ≈ Avg |
| College Grads | 33.7% ▼ 13% below avg |
| Unemployment | 2.1% ▼ 58% below avg |
| No HS Diploma | 36 (2%) |
| HS Graduate | 846 (47.1%) |
| Some College | 176 (9.8%) |
| Associates | 133 (7.4%) |
| Bachelors | 250 (13.9%) |
| Graduate Degree | 355 (19.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $72,708 ≈ Avg ↑ 47% since 2019 |
|---|---|
| Median Home Value | $212,100 ▼ 24% below avg ↑ 81% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $726/mo ↑ 12% since 2019 |
| Total Units | 1,177 |
| Vacant Units | 72 |
| Avg HH Size | 2.64 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,177 |
|---|---|
| Vacant | 72 |
| Owner Occupied | 94.9% |
| Renter Occupied | 5.1% |
| Avg HH Size | 2.64 |
ZIP code 40037 is located in Loretto, Kentucky, within Marion County. With a population of 2,922, this is a sparsely populated ZIP code with a relatively young community — the median age is 36.6 years. Economically, 40037 is a solidly middle-class ZIP code: the median household income of $72,708 is near the national average.
Real estate in ZIP code 40037 represents an affordable housing market. The median home value of $212,100 is below the national average. Renters can expect to pay around $726 per month in median rent. Homeownership is strong here — 94.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 81% since 2019.
The population of 40037 is primarily White (98.90%). Residents are moderately educated — 33.7% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 9.7%. Household income has grown by 47% since 2019.
The unemployment rate in 40037 stands at 2.1%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 94%.
Overall, ZIP code 40037 in Loretto, KY is characterized as solidly middle-class, moderately educated, a relatively young community, and predominantly owner-occupied. With 2,922 residents, a median household income of $72,708, and a median home value of $212,100, it offers a clear picture of life in this part of Kentucky.