PlainZIP

Pendleton, KY · standard

ZIP Code 40055

Henry County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,752
33/sq mi
$97,939
Median income
$294,900
Median home value
19.5%
Bachelor's or higher

The verdict

Pendleton pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 20%
household income, US ZIPs
Top 34%
home value, US ZIPs
33
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40055 against every reporting US ZIP.

ZIP code 40055 covers 53.3 square miles in Pendleton, Henry County, Kentucky (a standard USPS delivery area), with a modest 1,752 residents on file, a density of 33 people per square mile, in the New York time zone.

ZIP 40055 lands in the middle-income range, with a median household income of $97,939 (64% above the Kentucky average), while per-capita income is $38,956. Local economic indicators show a 11.3% poverty rate alongside 18.0% unemployment. The typical home here is valued at $294,900 (85% above the state average); renters pay a median of $1,348 monthly, and 85.7% of units are owner-occupied.

Educational attainment sits below the national norm: 19.5% of adults hold a bachelor's degree or higher, the median age is 46.2, and the average commute is 31 minutes. Beyond these figures, 9 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Henry County, letting you compare 40055 to its immediate surroundings rather than a national baseline 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 40055

Top 5 sectors by establishment count in Pendleton, KY

Which industries have the most business establishments in ZIP 40055.

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 40055, Pendleton, 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

1,752

Population

53.3

Area (sq mi)

33

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 40055?

46.2

Median Age

46.4%

Male

53.6%

Female

1.3%

Foreign-Born

White 96.2%
African American 0.7%
Asian 0.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.9%
Hispanic or Latino 0.7%

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?

$97,939

Median Household Income

+64% vs state

$38,956

Per Capita Income

11.3%

Poverty Rate

18.0%

Unemployment Rate

31.1 min

Mean Commute Time

How ZIP 40055 ranks nationally

Pendleton, KY household income vs. every US ZIP code

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

$97,939 Top 20% higher than 80% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 58.8%
Bachelor's Degree or Higher 19.5%

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

What does housing look like?

831

Total Housing Units

740

Occupied Units

91

Vacant Units

2.62

Avg Household Size

Occupancy Type

Owner 85.7%
Renter 14.3%

$294,900

Median Home Value

+85% vs state

$1,348

Median Rent

1997

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

+9.6%

YoY Change (2024)

223

HPI Index (2000 = 100)

+123%

Total Change Since 2000

Home values in ZIP 40055 have increased 9.6% over the past year (2024). Since 2000, this ZIP has seen +123% cumulative appreciation.

Year Annual Change HPI Index
2020 +9.6% 156
2021 +2.2% 160
2022 +16.7% 186
2023 +9.0% 203
2024 +9.6% 223

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 30 business establishments in ZIP 40055, employing approximately 209 people with a combined annual payroll of $7,345,000.

30

Businesses

209

Employees

$7.3M

Annual Payroll

4

Industry Sectors

Industry Establishments % of Total
Retail trade 10 33.3%
Construction 4 13.3%
Other services (except public administration) 4 13.3%
Health care and social assistance 3 10.0%

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 40055 vs 40006 →

ZIP 40055 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 40055 ranks #4 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 40055 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 40055 ranks #3 of 8 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
40006 Bedford, KY 5,084 6.6 mi
40070 Sulphur, KY 582 4.9 mi
40077 Westport, KY 564 6.5 mi
40031 La Grange, KY 22,863 6.1 mi
47104 Bethlehem, IN 41 6.0 mi
40068 Smithfield, KY 2,131 7.6 mi
40050 New Castle, KY 1,389 8.1 mi
47162 New Washington, IN 829 8.9 mi
40010 Buckner, KY 587 10.9 mi

More ZIP Codes in Henry County

40019 standard
Eminence, KY
Pop: 3,789
40057 standard
Pleasureville, KY
Pop: 3,354
40011 standard
Campbellsburg, KY
Pop: 2,549
40068 standard
Smithfield, KY
Pop: 2,131
40050 standard
New Castle, KY
Pop: 1,389
40075 standard
Turners Station, KY
Pop: 1,323

Related Areas

Henry County Pendleton, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40055 in? ▼
ZIP code 40055 (Pendleton) is located in Henry County, Kentucky. Henry County contains multiple ZIP codes, see the full list at /counties/henry-ky.
What is the population of ZIP code 40055? ▼
ZIP code 40055 in Pendleton, KY has a population of 1,752 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40055? ▼
The median household income in ZIP 40055 is $97,939, which is 28% above the national average of $76,288.
What is the average home value in ZIP 40055? ▼
The median home value in ZIP 40055 is $294,900, which is 6% above the national average of $278,155.
What is the demographic makeup of ZIP 40055? ▼
The largest racial group in ZIP 40055 is White at 96.2%. Hispanic or Latino residents make up 0.7% of the population.
How many businesses are in ZIP code 40055? ▼
ZIP code 40055 has 30 business establishments employing approximately 209 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40055? ▼
The top industries by establishment count in ZIP 40055 are: Retail trade (10), Construction (4), Other services (except public administration) (4). There are 4 industry sectors represented in total.
How have home values changed in ZIP code 40055? ▼
According to the FHFA House Price Index, home values in ZIP 40055 increased by 9.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 123%. 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 40055? ▼
In ZIP code 40055, 58.8% of residents aged 25+ have a high school diploma or higher, and 19.5% 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 40055? ▼
The mean commute time for workers in ZIP code 40055 is 31.1 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 40055? ▼
In ZIP code 40055, approximately 85.7% of occupied housing units are owner-occupied and 14.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40055? ▼
The poverty rate in ZIP code 40055 is 11.3% 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.