Residential delivery area · Kentucky
ZIP Code 40045: Milton, KY
ZIP code 40045 uses the postal name Milton, Kentucky and lies mostly in Trimble County (72% of its land) with the rest in Carroll County (Census 2020 ZIP-county file). About 3,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $76,607 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Milton; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2023
- ZBP2023
- IRS2022
- Town
- Milton · its only residential ZIP
- County
- Trimble County (72%); Carroll County (28%)
- Census places
- Milton
- House district
- KY-4 119th Congress
- State
- Kentucky
- Time zone
- Eastern
- Land area
- 50.0 sq mi · 65 people per sq mi
Where is ZIP code 40045?
40045 centers on 38.694°, -85.355° and covers 50.0 square miles of land plus 2.5 of water. It borders 2 ZIP codes: 40006, 41008.
The map draws ZIP code areas only. For the streets inside 40045, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 40045 compare with the rest of Trimble County?
| Measure | 40045 | In Trimble County | In KY |
|---|---|---|---|
| People (ACS 2020-2024) | 3,251 | 3rd of 5 | 253rd of 780 |
| Median household income | $77k | 2nd of 4 | 73rd of 310 |
| Median home value | $175k | not ranked | not ranked |
40045's median home value is not ranked: its 90% margin of error (±$50,959) is more than a quarter of the figure ($174,700). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
Its median household income is higher than in 57% of U.S. residential ZIP codes, and it is denser than 47% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 40045?
The 2020 Census counted 3,007 people in 40045; the ACS, which samples households over 2020-2024, estimates 3,251. Between the 2010 and 2020 censuses its population fell 12.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,251±487 (90% margin)
- 2020 Census count
- 3,007−12.9% since 2010 (3,451)
- Households
- 1,363
- Median age
- 45.0
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 40045?
Of the 3,251 people the ACS estimates in 40045, 22.1% are under 18 and 19.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (91.7%).
- Under 1822.1%
- 18 to 6458.8%
- 65 and older19.1%
- White, not Hispanic91.7%
- Hispanic or Latino5.5%
- Other or two or more2.6%
- Asian, not Hispanic0.1%
- Black, not Hispanic0.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 40045 earn?
Median household income is $76,607 (ACS 2020-2024), the 2nd highest of the 4 ranked ZIP codes in Trimble County. It is not measurably different from 2015-2019 ($59,077 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $76,607±$18,767
- Income per person
- $45,831
- Below the poverty line
- 4.9%
- Unemployed (of the labor force)
- 4.1%
- Adults 25+ with a bachelor's degree
- 20.5%
- Adjusted gross income per tax return, 2022
- $59,7881,390 returns; wages 80% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 40045?
- Median home value (owners' estimate)
- $174,700
- Median gross rent
- $854
- Homes owned by their occupants
- 79.2%
- Housing units
- 1,605
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 40045?
32 business establishments had a location in this ZIP code in 2023, 1 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade6
- Construction5
- Accommodation and food services4
- Other services (except public administration)4
- Manufacturing3
- Professional, scientific, and technical services3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 40045?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 40006 | Bedford | 5,068 | $60k | 6.8 mi |
| 41008 | Carrollton | 7,698 | $60k | 10.1 mi |
| 47243 | Hanover, IN | 6,225 | $65k | 7.1 mi (near) |
| 47250 | Madison, IN | 22,884 | $61k | 8.2 mi (near) |
| 47104 | Bethlehem, IN | 9 | – | 10.2 mi (near) |
| 47147 | Nabb, IN | 1,317 | $111k | 11.7 mi (near) |
| 47138 | Lexington, IN | 4,859 | $86k | 12.4 mi (near) |
| 47162 | New Washington, IN | 514 | $59k | 12.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.