PlainZIP

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
$70,000
Median income
$215,000
Median home value
14.8%
Bachelor's or higher

The verdict

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 Kentucky average), while per-capita income is $36,640. Poverty here runs at 10.1%, with unemployment measured at 2.6%. Median home value sits at $215,000 (35% above the state average), median rent at $714 a month, and owner-occupancy at 90.7%.

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. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 40037, plus 6 more within Marion 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 40037

Top 5 sectors by establishment count in Loretto, KY

Which industries have the most business establishments in ZIP 40037.

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 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

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 40037?

38.5

Median Age

54.5%

Male

45.5%

Female

0.1%

Foreign-Born

White 99.1%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.7%
Hispanic or Latino 0.5%

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

$36,640

Per Capita Income

10.1%

Poverty Rate

2.6%

Unemployment Rate

30.9 min

Mean Commute Time

How ZIP 40037 ranks nationally

Loretto, KY household income vs. every US ZIP code

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

$70,000 47th percentile higher than 47% 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 65.2%
Bachelor's Degree or Higher 14.8%

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

What does housing look like?

1,218

Total Housing Units

1,158

Occupied Units

60

Vacant Units

2.41

Avg Household Size

Occupancy Type

Owner 90.7%
Renter 9.3%

$215,000

Median Home Value

+35% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 40037 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 40037 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 40037 ranks the highest 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
40049 Nerinx, KY 115 1.1 mi
40062 Saint Francis, KY 301 3.7 mi
40060 Raywick, KY 1,184 8.2 mi
40063 Saint Mary, KY 789 6.9 mi
40052 New Hope, KY 515 7.4 mi
40004 Bardstown, KY 28,245 10.8 mi

More ZIP Codes in Marion County

40033 standard
Lebanon, KY
Pop: 12,355
40060 standard
Raywick, KY
Pop: 1,184
40328 standard
Gravel Switch, KY
Pop: 1,065
40009 standard
Bradfordsville, KY
Pop: 1,051
40063 standard
Saint Mary, KY
Pop: 789
40062 standard
Saint Francis, KY
Pop: 301

Related Areas

Marion County Loretto, KY Kentucky

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.

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