Milton, KY · standard
ZIP Code 40045
Trimble County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,451
- 23/sq mi
- $76,607
- Median income
- $174,700
- Median home value
- 20.5%
- Bachelor's or higher
The verdict
Milton pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 43%
- household income, US ZIPs
- 36th pct
- home value, US ZIPs
- 23
- people per sq mi
- 79%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40045 against every reporting US ZIP.
ZIP code 40045 covers 147.5 square miles in Milton, Trimble County, Kentucky (a standard USPS delivery area), with a modest 3,451 residents on file, a density of 23 people per square mile, in the New York time zone.
ZIP 40045 lands in the middle-income range, with a median household income of $76,607 (28% above the Kentucky average), while per-capita income is $45,831. Poverty here runs at 4.9%, with unemployment measured at 4.1%. Median home value sits at $174,700 (10% above the state average), median rent at $854 a month, and owner-occupancy at 79.2%.
Educational attainment sits below the national norm: 20.5% of adults hold a bachelor's degree or higher, the median age is 45, and the average commute is 25 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 40045, plus 1 more within Trimble 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 40045
Top 5 sectors by establishment count in Milton, KY
Which industries have the most business establishments in ZIP 40045.
- Retail trade
Retail trade
6 establishments
- Construction
Construction
5 establishments
- Accommodation and food services
Accommodation and food services
4 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Manufacturing
Manufacturing
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 40045, Milton, 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
3,451
Population
147.5
Area (sq mi)
23
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40045?
45.0
Median Age
51.3%
Male
48.7%
Female
1.4%
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?
$76,607
Median Household Income
+28% vs state
$45,831
Per Capita Income
4.9%
Poverty Rate
4.1%
Unemployment Rate
24.8 min
Mean Commute Time
How ZIP 40045 ranks nationally
Milton, KY household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$76,607 Top 43% higher than 57% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
1,605
Total Housing Units
1,363
Occupied Units
242
Vacant Units
2.39
Avg Household Size
Occupancy Type
$174,700
Median Home Value
+10% vs state
$854
Median Rent
1979
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 32 business establishments in ZIP 40045, employing approximately 330 people with a combined annual payroll of $13,047,000.
32
Businesses
330
Employees
$13.0M
Annual Payroll
6
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 6 | 18.8% |
| Construction | 5 | 15.6% |
| Accommodation and food services | 4 | 12.5% |
| Other services (except public administration) | 4 | 12.5% |
| Manufacturing | 3 | 9.4% |
| Professional, scientific, and technical services | 3 | 9.4% |
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 40045 vs 40006 →
ZIP 40045 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 47250
Madison (47250)
21,944 residents
- 47243 5,951
Hanover (47243)
5,951 residents
- 40006 5,084
Bedford (40006)
5,084 residents
- 40045 3,451
Milton (40045)
3,451 residents
- 47162 829
New Washington (47162)
829 residents
What this shows Among its immediate neighbors, ZIP 40045 ranks #4 by population - useful context the national average alone can't give.
ZIP 40045 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40045
Milton (40045)
$76,607 median income
- 47243
Hanover (47243)
$65,197 median income
- 47250
Madison (47250)
$61,284 median income
- 40006
Bedford (40006)
$59,477 median income
- 47162
New Washington (47162)
$59,444 median income
What this shows By household income, ZIP 40045 ranks the highest of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
More ZIP Codes in Trimble County
Related Areas
Frequently Asked Questions
What county is ZIP code 40045 in? ▼
What is the population of ZIP code 40045? ▼
What is the median household income in ZIP 40045? ▼
What is the average home value in ZIP 40045? ▼
What is the demographic makeup of ZIP 40045? ▼
How many businesses are in ZIP code 40045? ▼
What are the main industries in ZIP code 40045? ▼
What is the education level in ZIP code 40045? ▼
What is the average commute time in ZIP 40045? ▼
What percentage of residents own vs. rent in ZIP 40045? ▼
What is the poverty rate in ZIP code 40045? ▼
Read our methodology to see how this data is sourced, computed, and verified.