Loretto, KY · standard
ZIP Code 40037
Marion County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,864
- 23/sq mi Moderate-density area
- $70,000
- Median income Near-median income area
- $215,000
- Median home value Near-median home value
- 14.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Loretto pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 47th pct
- household income, US ZIPs
- 48th pct
- home value, US ZIPs
- 23
- people per sq mi
- 91%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40037 against every reporting US ZIP.
ZIP code 40037 covers 127.3 square miles in Loretto, Marion County, Kentucky (a standard USPS delivery area), with a modest 2,864 residents on file, a density of 23 people per square mile, in the New York time zone.
ZIP 40037 lands in the middle-income range, with a median household income of $70,000 (17% above the average Kentucky ZIP), while per-capita income is $36,640. The poverty rate is 10.1%, with unemployment at 2.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $215,000 (35% above the average Kentucky ZIP), while 90.7% of occupied homes are owner-occupied and median rent is $714.
Formal educational attainment runs low here: just 14.8% of adults hold a bachelor's degree or higher, the median age is 38.5, and the average commute is 31 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Marion County, so 40037 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 40037
Top 5 sectors by establishment count in Loretto, KY
Which industries have the most business establishments in ZIP 40037.
- Retail trade
Retail trade
6 establishments
- Construction
Construction
4 establishments
- Other services (except public administration)
Other services (except public administration)
3 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 40037, Loretto, 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
2,864
Population
127.3
Area (sq mi)
23
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40037?
38.5
Median Age
54.5%
Male
45.5%
Female
0.1%
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?
$70,000
Median Household Income
+17% vs state ZIP avg
$36,640
Per Capita Income
10.1%
Poverty Rate
2.6%
Unemployment Rate
30.9 min
Mean Commute Time
How ZIP 40037 ranks among Kentucky ZIPs
Loretto, 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)
$70,000 Top 25% higher than 75% 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
1,218housing units
1,218
Total Housing Units
1,158
Occupied Units
60
Vacant Units
2.41
Avg Household Size
Occupancy Type
$215,000
Median Home Value
+35% vs state ZIP avg
$714
Median Rent
1987
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
+6.5%
YoY Change (2023)
229
HPI Index (2000 = 100)
+129%
Total Change Since 2000
Home values in ZIP 40037 have increased 6.5% over the past year (2023). Since 2000, this ZIP has seen +129% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2019 | +7.4% | 167 |
| 2020 | -2.2% | 163 |
| 2021 | +12.5% | 183 |
| 2022 | +17.3% | 215 |
| 2023 | +6.5% | 229 |
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 2023. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 25 business establishments in ZIP 40037, employing approximately 507 people with a combined annual payroll of $34,705,000.
25
Businesses
507
Employees
$34.7M
Annual Payroll
3
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 6 | 24.0% |
| Construction | 4 | 16.0% |
| Other services (except public administration) | 3 | 12.0% |
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 40037 vs 40049 →
ZIP 40037 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
- 40037 2,864
Loretto (40037)
2,864 residents
- 40060 1,184
Raywick (40060)
1,184 residents
- 40063 789
Saint Mary (40063)
789 residents
- 40052 515
New Hope (40052)
515 residents
- 40062 301
Saint Francis (40062)
301 residents
- 40049 115
Nerinx (40049)
115 residents
What this shows Among its immediate neighbors, ZIP 40037 ranks #2 by population - useful context the national average alone can't give.
ZIP 40037 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40037
Loretto (40037)
$70,000 median income
- 40004
Bardstown (40004)
$66,578 median income
- 40062
Saint Francis (40062)
$52,941 median income
- 40052
New Hope (40052)
$45,750 median income
- 40060
Raywick (40060)
$45,313 median income
What this shows By household income, ZIP 40037 ranks the highest 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 40037, 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 (2,864 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Marion County
Related Areas
Frequently Asked Questions
What county is ZIP code 40037 in?
ZIP code 40037 (Loretto) is located in Marion County, Kentucky. Marion County contains multiple ZIP codes, see the full list at /counties/marion-ky.
What is the population of ZIP code 40037?
ZIP code 40037 in Loretto, KY has a population of 2,864 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40037?
The median household income in ZIP 40037 is $70,000, which is 8% below the national average of $76,288.
What is the average home value in ZIP 40037?
The median home value in ZIP 40037 is $215,000, which is 23% below the national average of $278,155.
What is the demographic makeup of ZIP 40037?
The largest racial group in ZIP 40037 is White at 99.1%. Hispanic or Latino residents make up 0.5% of the population.
How many businesses are in ZIP code 40037?
ZIP code 40037 has 25 business establishments employing approximately 507 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40037?
The top industries by establishment count in ZIP 40037 are: Retail trade (6), Construction (4), Other services (except public administration) (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 40037?
According to the FHFA House Price Index, home values in ZIP 40037 increased by 6.5% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 129%. 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 40037?
In ZIP code 40037, 65.2% of residents aged 25+ have a high school diploma or higher, and 14.8% 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 40037?
The mean commute time for workers in ZIP code 40037 is 30.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40037?
In ZIP code 40037, approximately 90.7% of occupied housing units are owner-occupied and 9.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40037?
The poverty rate in ZIP code 40037 is 10.1% 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 40037's numbers, next.
- See how ZIP 40037 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Loretto, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.