PlainZIP

Bardstown, KY · standard

ZIP Code 40004

Nelson County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

28,245
76/sq mi
$66,578
Median income
$242,200
Median home value
25.3%
Bachelor's or higher

The verdict

Bardstown pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

41th pct
household income, US ZIPs
Top 45%
home value, US ZIPs
76
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40004 against every reporting US ZIP.

ZIP code 40004 is a densely settled ZIP (a standard USPS delivery area) in Bardstown, Nelson County, Kentucky, with 28,245 residents across 374.1 square miles, a density of 76 people per square mile, in the New York time zone.

ZIP 40004 reports a modest median household income of $66,578 (12% above the Kentucky average), while per-capita income is $35,246. 11.4% of residents live below the poverty line, and the unemployment rate reads 3.4%. Median home value sits at $242,200 (52% above the state average), median rent at $1,037 a month, and owner-occupancy at 73.3%.

Educational attainment sits below the national norm: 25.3% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is 25 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 40004, plus 6 more within Nelson County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 40004

Top 5 sectors by establishment count in Bardstown, KY

Which industries have the most business establishments in ZIP 40004.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 40004, Bardstown, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

28,245

Population

374.1

Area (sq mi)

76

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 40004?

39.6

Median Age

49.9%

Male

50.1%

Female

3.6%

Foreign-Born

White 86.3%
African American 7.7%
Asian 0.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.6%
Hispanic or Latino 3.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$66,578

Median Household Income

+12% vs state

$35,246

Per Capita Income

11.4%

Poverty Rate

3.4%

Unemployment Rate

25.1 min

Mean Commute Time

How ZIP 40004 ranks nationally

Bardstown, KY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$66,578 41st percentile higher than 41% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 61.9%
Bachelor's Degree or Higher 25.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

13,130

Total Housing Units

12,519

Occupied Units

611

Vacant Units

2.40

Avg Household Size

Occupancy Type

Owner 73.3%
Renter 26.7%

$242,200

Median Home Value

+52% vs state

$1,037

Median Rent

1992

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+8.1%

YoY Change (2024)

240

HPI Index (2000 = 100)

+140%

Total Change Since 2000

Home values in ZIP 40004 have increased 8.1% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.4% 161
2021 +10.2% 178
2022 +17.8% 209
2023 +6.0% 222
2024 +8.1% 240

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 799 business establishments in ZIP 40004, employing approximately 15,482 people with a combined annual payroll of $852,938,000.

799

Businesses

15,482

Employees

$852.9M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Retail trade 131 16.4%
Health care and social assistance 117 14.6%
Construction 81 10.1%
Accommodation and food services 70 8.8%
Other services (except public administration) 69 8.6%
Finance and insurance 64 8.0%
Manufacturing 49 6.1%
Professional, scientific, and technical services 44 5.5%
Administrative and support and waste management and remediation services 42 5.3%
Wholesale trade 32 4.0%
Transportation and warehousing 31 3.9%
Real estate and rental and leasing 29 3.6%
Information 13 1.6%
Arts, entertainment, and recreation 12 1.5%
Utilities 5 0.6%
Management of companies and enterprises 4 0.5%
Educational services 3 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 40004 vs 40048 →

ZIP 40004 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 40004 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40004 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 40004 ranks #5 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
40048 Nazareth, KY 113 3.0 mi
40013 Coxs Creek, KY 5,369 9.3 mi
40037 Loretto, KY 2,864 10.8 mi
40020 Fairfield, KY 109 10.0 mi
40049 Nerinx, KY 115 10.5 mi
40051 New Haven, KY 4,799 11.8 mi

More ZIP Codes in Nelson County

40013 standard
Coxs Creek, KY
Pop: 5,369
40051 standard
New Haven, KY
Pop: 4,799
40008 standard
Bloomfield, KY
Pop: 3,476
40107 standard
Boston, KY
Pop: 2,067
40012 standard
Chaplin, KY
Pop: 589
40052 standard
New Hope, KY
Pop: 515

Related Areas

Nelson County Bardstown, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40004 in? ▼
ZIP code 40004 (Bardstown) is located in Nelson County, Kentucky. Nelson County contains multiple ZIP codes, see the full list at /counties/nelson-ky.
What is the population of ZIP code 40004? ▼
ZIP code 40004 in Bardstown, KY has a population of 28,245 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40004? ▼
The median household income in ZIP 40004 is $66,578, which is 13% below the national average of $76,288.
What is the average home value in ZIP 40004? ▼
The median home value in ZIP 40004 is $242,200, which is 13% below the national average of $278,155.
What is the demographic makeup of ZIP 40004? ▼
The largest racial group in ZIP 40004 is White at 86.3%. Hispanic or Latino residents make up 3.0% of the population.
How many businesses are in ZIP code 40004? ▼
ZIP code 40004 has 799 business establishments employing approximately 15,482 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40004? ▼
The top industries by establishment count in ZIP 40004 are: Retail trade (131), Health care and social assistance (117), Construction (81). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 40004? ▼
According to the FHFA House Price Index, home values in ZIP 40004 increased by 8.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 40004? ▼
In ZIP code 40004, 61.9% of residents aged 25+ have a high school diploma or higher, and 25.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 40004? ▼
The mean commute time for workers in ZIP code 40004 is 25.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40004? ▼
In ZIP code 40004, approximately 73.3% of occupied housing units are owner-occupied and 26.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40004? ▼
The poverty rate in ZIP code 40004 is 11.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.