| ZIP Code | 40353 |
|---|---|
| City | Mount Sterling |
| State | Kentucky (KY) |
| County | Montgomery County |
| Area Code | 606/859 |
| Elevation | 949 ft |
| Latitude | 38.065465 |
|---|---|
| Longitude | -83.948822 |
| Timezone | New York (DST) |
| FIPS | 21173 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.9 yrs ↑ 6% since 2019 |
|---|---|
| Avg Household Size | 2.46 |
| Below Poverty | 14.8% ▲ 48% above avg |
| College Grads | 31.6% ▼ 18% below avg |
| Unemployment | 3.8% ▼ 23% below avg |
| No HS Diploma | 137 (1%) |
| HS Graduate | 5,192 (38%) |
| Some College | 2,279 (16.7%) |
| Associates | 1,736 (12.7%) |
| Bachelors | 1,047 (7.7%) |
| Graduate Degree | 3,274 (24%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $56,981 ▼ 25% below avg ↑ 22% since 2019 |
|---|---|
| Median Home Value | $179,600 ▼ 36% below avg ↑ 37% since 2019 |
| Home/Income Ratio | 3.2x (nat avg ~3.5x) |
| Median Rent | $794/mo ↑ 12% since 2019 |
| Total Units | 9,876 |
| Vacant Units | 873 |
| Avg HH Size | 2.46 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 9,876 |
|---|---|
| Vacant | 873 |
| Owner Occupied | 63.6% |
| Renter Occupied | 36.4% |
| Avg HH Size | 2.46 |
ZIP code 40353 is located in Mount Sterling, Kentucky, within Montgomery County. With a population of 22,534, this is a moderately populated ZIP code with a middle-aged community — the median age is 41.9 years. Economically, 40353 is a solidly middle-class ZIP code: the median household income of $56,981 is below the national average.
Real estate in ZIP code 40353 represents an affordable housing market. The median home value of $179,600 is below the national average. Renters can expect to pay around $794 per month in median rent. Homeownership is strong here — 63.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 37% since 2019.
The population of 40353 is primarily White (90.78%). Residents are moderately educated — 31.6% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 14.8%. Household income has grown by 22% since 2019.
The unemployment rate in 40353 stands at 3.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 84%.
Overall, ZIP code 40353 in Mount Sterling, KY is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 22,534 residents, a median household income of $56,981, and a median home value of $179,600, it offers a clear picture of life in this part of Kentucky.