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 Moderate-density area
- $66,578
- Median income Near-median income area
- $242,200
- Median home value Near-median home value
- 25.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Bardstown pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 41st 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 40004 (Bardstown, KY) rose +8.1% from 2023 to 2024. The all-transactions index moved from 221.9 in 2023 to 239.8 in 2024 (2000 = 100).
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 average Kentucky ZIP), while per-capita income is $35,246. The poverty rate is 11.4%, with unemployment at 3.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $242,200 (52% above the average Kentucky ZIP), while 73.3% of occupied homes are owner-occupied and median rent is $1,037.
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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Nelson County, so 40004 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
131 establishments
- Health care and social assistance
Health care and social assistance
117 establishments
- Construction
Construction
81 establishments
- Accommodation and food services
Accommodation and food services
70 establishments
- Other services (except public administration)
Other services (except public administration)
69 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, 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
Who lives in ZIP 40004?
39.6
Median Age
49.9%
Male
50.1%
Female
3.6%
Foreign-Born
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 ZIP avg
$35,246
Per Capita Income
11.4%
Poverty Rate
3.4%
Unemployment Rate
25.1 min
Mean Commute Time
How ZIP 40004 ranks among Kentucky ZIPs
Bardstown, KY household income vs. every Kentucky ZIP code
Median household income among 646 reporting Kentucky ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$66,578 Top 29% higher than 71% of 646 Kentucky ZIPs
Each bar is a $20K-wide band; taller bars hold more Kentucky 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
13,130housing units
13,130
Total Housing Units
12,519
Occupied Units
611
Vacant Units
2.40
Avg Household Size
Occupancy Type
$242,200
Median Home Value
+52% vs state ZIP avg
$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.
- 40004
Bardstown (40004)
28,245 residents
- 40013 5,369
Coxs Creek (40013)
5,369 residents
- 40051 4,799
New Haven (40051)
4,799 residents
- 40037 2,864
Loretto (40037)
2,864 residents
- 40049 115
Nerinx (40049)
115 residents
- 40048 113
Nazareth (40048)
113 residents
- 40020 109
Fairfield (40020)
109 residents
What this shows Among its immediate neighbors, ZIP 40004 ranks the most populous - useful context the national average alone can't give.
ZIP 40004 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40013
Coxs Creek (40013)
$100,226 median income
- 40020
Fairfield (40020)
$90,712 median income
- 40051
New Haven (40051)
$80,337 median income
- 40037
Loretto (40037)
$70,000 median income
- 40004
Bardstown (40004)
$66,578 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40004, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (28,245 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Nelson County
Related Areas
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.
Related
Take this with you
What to do with ZIP 40004's numbers, next.
- See how ZIP 40004 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Bardstown, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.