PlainZIP

Garfield, KY · standard

ZIP Code 40140

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

787
13/sq mi
$81,708
Median income
$135,900
Median home value
20.6%
Bachelor's or higher

The verdict

Garfield pairs an above-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

Top 36%
household income, US ZIPs
21th pct
home value, US ZIPs
13
people per sq mi
94%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40140 against every reporting US ZIP.

ZIP code 40140 is a sparsely populated ZIP (a standard USPS delivery area) in Garfield, Breckinridge County, Kentucky, home to just 787 residents across 62.5 square miles, a density of 13 people per square mile, in the Chicago time zone.

ZIP 40140 lands in the middle-income range, with a median household income of $81,708 (37% above the Kentucky average), while per-capita income is $43,153. The poverty rate stands at 29.0% and the unemployment rate at 7.8%. The typical home here is valued at $135,900 (15% below the state average); renters pay a median of - monthly, and 93.7% of units are owner-occupied.

Educational attainment sits below the national norm: 20.6% of adults hold a bachelor's degree or higher, the median age is 48.4, and the average commute is -. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 40140, plus 6 more within Breckinridge 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 →

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 40140, Garfield, 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

787

Population

62.5

Area (sq mi)

13

People / sq mi

Chicago

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 40140?

48.4

Median Age

57.7%

Male

42.3%

Female

10.3%

Foreign-Born

White 91.7%
African American 6.9%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.4%
Hispanic or Latino 13.0%

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?

$81,708

Median Household Income

+37% vs state

$43,153

Per Capita Income

29.0%

Poverty Rate

7.8%

Unemployment Rate

How ZIP 40140 ranks nationally

Garfield, KY household income vs. every US ZIP code

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

$81,708 Top 36% higher than 64% 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 70.1%
Bachelor's Degree or Higher 20.6%

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

What does housing look like?

444

Total Housing Units

381

Occupied Units

63

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 93.7%
Renter 6.3%

$135,900

Median Home Value

-15% vs state

1999

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 3 business establishments in ZIP 40140, employing approximately 14 people with a combined annual payroll of $593,000.

3

Businesses

14

Employees

$593K

Annual Payroll

0

Industry Sectors

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 40140 vs 40115 →

ZIP 40140 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 40140 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 40140 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 40140 ranks the highest of 7 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
40115 Custer, KY 727 4.0 mi
40145 Hudson, KY 908 5.6 mi
40144 Harned, KY 1,866 4.5 mi
40146 Irvington, KY 3,745 9.1 mi
40178 Westview, KY 468 7.5 mi
40152 Mc Daniels, KY 604 10.8 mi

More ZIP Codes in Breckinridge County

40143 standard
Hardinsburg, KY
Pop: 5,939
40146 standard
Irvington, KY
Pop: 3,745
40144 standard
Harned, KY
Pop: 1,866
40111 standard
Cloverport, KY
Pop: 1,682
40176 standard
Webster, KY
Pop: 931
40145 standard
Hudson, KY
Pop: 908

Related Areas

Breckinridge County Garfield, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40140 in? ▼
ZIP code 40140 (Garfield) is located in Breckinridge County, Kentucky. Breckinridge County contains multiple ZIP codes, see the full list at /counties/breckinridge-ky.
What is the population of ZIP code 40140? ▼
ZIP code 40140 in Garfield, KY has a population of 787 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40140? ▼
The median household income in ZIP 40140 is $81,708, which is 7% above the national average of $76,288.
What is the average home value in ZIP 40140? ▼
The median home value in ZIP 40140 is $135,900, which is 51% below the national average of $278,155.
What is the demographic makeup of ZIP 40140? ▼
The largest racial group in ZIP 40140 is White at 91.7%. Hispanic or Latino residents make up 13.0% of the population.
How many businesses are in ZIP code 40140? ▼
ZIP code 40140 has 3 business establishments employing approximately 14 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 40140? ▼
In ZIP code 40140, 70.1% of residents aged 25+ have a high school diploma or higher, and 20.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 40140? ▼
In ZIP code 40140, approximately 93.7% of occupied housing units are owner-occupied and 6.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40140? ▼
The poverty rate in ZIP code 40140 is 29.0% 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.