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 Moderate-density area
- $97,939
- Median income Above-median income area
- $294,900
- Median home value Near-median home value
- 19.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 40055 (Pendleton, KY) rose +9.6% from 2023 to 2024. The all-transactions index moved from 203.2 in 2023 to 222.7 in 2024 (2000 = 100).
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 average Kentucky ZIP), while per-capita income is $38,956. Unemployment is 18.0%, an important qualifier alongside the household-income figure. Housing is both higher-cost and owner-heavy: median home value is $294,900 (85% above the average Kentucky ZIP), while 85.7% of occupied homes are owner-occupied and median rent is $1,348.
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. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Henry County, so 40055 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 40055
Top 5 sectors by establishment count in Pendleton, KY
Which industries have the most business establishments in ZIP 40055.
- Retail trade
Retail trade
10 establishments
- Construction
Construction
4 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Health care and social assistance 3
Health care and social assistance
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 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
Who lives in ZIP 40055?
46.2
Median Age
46.4%
Male
53.6%
Female
1.3%
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?
$97,939
Median Household Income
+64% vs state ZIP avg
$38,956
Per Capita Income
11.3%
Poverty Rate
18.0%
Unemployment Rate
31.1 min
Mean Commute Time
How ZIP 40055 ranks among Kentucky ZIPs
Pendleton, 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)
$97,939 Top 6% higher than 94% 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
831housing units
831
Total Housing Units
740
Occupied Units
91
Vacant Units
2.62
Avg Household Size
Occupancy Type
$294,900
Median Home Value
+85% vs state ZIP avg
$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.
- 40031
La Grange (40031)
22,863 residents
- 40006 5,084
Bedford (40006)
5,084 residents
- 40068 2,131
Smithfield (40068)
2,131 residents
- 40055 1,752
Pendleton (40055)
1,752 residents
- 40050 1,389
New Castle (40050)
1,389 residents
- 47162 829
New Washington (47162)
829 residents
- 40010 587
Buckner (40010)
587 residents
- 40070 582
Sulphur (40070)
582 residents
- 40077 564
Westport (40077)
564 residents
What this shows Among its immediate neighbors, ZIP 40055 ranks #4 by population - useful context the national average alone can't give.
ZIP 40055 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40010
Buckner (40010)
$196,125 median income
- 40031
La Grange (40031)
$98,513 median income
- 40055
Pendleton (40055)
$97,939 median income
- 40068
Smithfield (40068)
$80,750 median income
- 40077 $73,333
Westport (40077)
$73,333 median income
- 40006 $59,477
Bedford (40006)
$59,477 median income
- 47162 $59,444
New Washington (47162)
$59,444 median income
- 40050 $44,688
New Castle (40050)
$44,688 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40055, 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 (1,752 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Henry County
Related Areas
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.
Related
Take this with you
What to do with ZIP 40055's numbers, next.
- See how ZIP 40055 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Pendleton, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.