| ZIP Code | 40385 |
|---|---|
| City | Waco |
| State | Kentucky (KY) |
| County | Madison County |
| Area Code | 606/859 |
| Elevation | 881 ft |
| Latitude | 37.738202 |
|---|---|
| Longitude | -84.133667 |
| Timezone | New York (DST) |
| FIPS | 21151 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.3 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.58 |
| Below Poverty | 11.8% ▲ 18% above avg |
| College Grads | 25.9% ▼ 33% below avg |
| Unemployment | 2.3% ▼ 53% below avg |
| No HS Diploma | 48 (3.3%) |
| HS Graduate | 571 (39.4%) |
| Some College | 282 (19.4%) |
| Associates | 174 (12%) |
| Bachelors | 103 (7.1%) |
| Graduate Degree | 272 (18.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $58,092 ▼ 24% below avg ↑ 26% since 2019 |
|---|---|
| Median Home Value | $176,000 ▼ 37% below avg ↑ 103% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $675/mo ↓ 20% since 2019 |
| Total Units | 1,256 |
| Vacant Units | 336 |
| Avg HH Size | 2.58 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,256 |
|---|---|
| Vacant | 336 |
| Owner Occupied | 80.5% |
| Renter Occupied | 19.5% |
| Avg HH Size | 2.58 |
ZIP code 40385 is located in Waco, Kentucky, within Madison County. With a population of 2,378, this is a sparsely populated ZIP code with a middle-aged community — the median age is 40.3 years. Economically, 40385 is a solidly middle-class ZIP code: the median household income of $58,092 is below the national average.
Real estate in ZIP code 40385 represents an affordable housing market. The median home value of $176,000 is below the national average. Renters can expect to pay around $675 per month in median rent. Homeownership is strong here — 80.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 103% since 2019.
The population of 40385 is primarily White (99.16%). Residents are moderately educated — 25.9% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 11.8%. Household income has grown by 26% since 2019.
The unemployment rate in 40385 stands at 2.3%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 85%.
Overall, ZIP code 40385 in Waco, KY is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 2,378 residents, a median household income of $58,092, and a median home value of $176,000, it offers a clear picture of life in this part of Kentucky.