| ZIP Code | 40140 |
|---|---|
| City | Garfield |
| State | Kentucky (KY) |
| County | Breckinridge County |
| Area Code | 270/364 |
| Elevation | 643 ft |
| Latitude | 37.730408 |
|---|---|
| Longitude | -86.285434 |
| Timezone | New York (DST) |
| FIPS | 21027 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.1 yrs |
|---|---|
| Avg Household Size | 2.38 |
| Below Poverty | 34.2% ▲ 242% above avg |
| College Grads | 23.1% ▼ 40% below avg |
| Unemployment | 8.2% ▲ 67% above avg |
| HS Graduate | 165 (38.1%) |
| Some College | 105 (24.2%) |
| Associates | 63 (14.5%) |
| Bachelors | 30 (6.9%) |
| Graduate Degree | 70 (16.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $53,611 ▼ 30% below avg |
|---|---|
| Median Home Value | $156,800 ▼ 44% below avg ↑ 148% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Total Units | 382 |
| Vacant Units | 88 |
| Avg HH Size | 2.38 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 382 |
|---|---|
| Vacant | 88 |
| Owner Occupied | 89.1% |
| Renter Occupied | 10.9% |
| Avg HH Size | 2.38 |
ZIP code 40140 is located in Garfield, Kentucky, within Breckinridge County. With a population of 699, this is a sparsely populated ZIP code with a middle-aged community — the median age is 38.1 years. Economically, 40140 is a working-class ZIP code: the median household income of $53,611 is below the national average.
Real estate in ZIP code 40140 represents an affordable housing market. The median home value of $156,800 is below the national average. Homeownership is strong here — 89.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 148% since 2019.
The population of 40140 is primarily White (80.83%). Residents are less-educated — 23.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 34.2%.
The unemployment rate in 40140 stands at 8.2%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 87%.
Overall, ZIP code 40140 in Garfield, KY is characterized as working-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 699 residents, a median household income of $53,611, and a median home value of $156,800, it offers a clear picture of life in this part of Kentucky.