ZIP 40115 vs ZIP 40140

This side-by-side compares ZIP 40115 (Custer, KY) and ZIP 40140 (Garfield, KY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 40115 has a population of 727 at 14 people per square mile, while ZIP 40140 has 787 at 13 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 40115 reports a median household income of $74,722 against $81,708 in ZIP 40140, with per-capita income of $29,870 vs $43,153. The share of adults holding a bachelor's degree or higher is 3.9% in 40115 and 20.6% in 40140. Poverty rate reads 31.4% vs 29.0%, and unemployment 1.7% vs 7.8% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $149,100 in 40115 versus $135,900 in 40140, with median rent of — and — per month respectively. Homeownership rate is 93.0% vs 93.7%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.