| ZIP Code | 40444 |
|---|---|
| City | Lancaster |
| State | Kentucky (KY) |
| County | Garrard County |
| Area Code | 859 |
| Elevation | 901 ft |
| Latitude | 37.666248 |
|---|---|
| Longitude | -84.57803 |
| Timezone | New York (DST) |
| FIPS | 21079 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.1 yrs |
|---|---|
| Avg Household Size | 2.54 |
| Below Poverty | 14.8% ▲ 48% above avg |
| College Grads | 31.0% ▼ 20% below avg |
| Unemployment | 6.6% ▲ 35% above avg |
| No HS Diploma | 82 (0.9%) |
| HS Graduate | 3,183 (35.4%) |
| Some College | 1,348 (15%) |
| Associates | 1,598 (17.8%) |
| Bachelors | 927 (10.3%) |
| Graduate Degree | 1,860 (20.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,324 ▼ 18% below avg ↑ 17% since 2019 |
|---|---|
| Median Home Value | $194,100 ▼ 30% below avg ↑ 33% since 2019 |
| Home/Income Ratio | 3.1x (nat avg ~3.5x) |
| Median Rent | $785/mo ↑ 13% since 2019 |
| Total Units | 6,096 |
| Vacant Units | 546 |
| Avg HH Size | 2.54 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 6,096 |
|---|---|
| Vacant | 546 |
| Owner Occupied | 79.8% |
| Renter Occupied | 20.2% |
| Avg HH Size | 2.54 |
ZIP code 40444 is located in Lancaster, Kentucky, within Garrard County. With a population of 14,207, this is a lightly populated ZIP code with a middle-aged community — the median age is 43.1 years. Economically, 40444 is a solidly middle-class ZIP code: the median household income of $62,324 is below the national average.
Real estate in ZIP code 40444 represents an affordable housing market. The median home value of $194,100 is below the national average. Renters can expect to pay around $785 per month in median rent. Homeownership is strong here — 79.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 33% since 2019.
The population of 40444 is primarily White (90.69%). Residents are moderately educated — 31.0% 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 17% since 2019.
The unemployment rate in 40444 stands at 6.6%, which is above the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 40444 in Lancaster, KY is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 14,207 residents, a median household income of $62,324, and a median home value of $194,100, it offers a clear picture of life in this part of Kentucky.