ZIP Code 40353
standardSource:
Mount Sterling · Montgomery County · Kentucky
- Population
- 20,779
- Median income
- $57,329
- Median home value
- $184,000
- Bachelor's or higher
- 22.5%
- Land area
- 360.1 sq mi
58/sq mi
▼ 25% vs US
higher than 25% of US ZIPs
▼ 34% vs US
higher than 39% of US ZIPs
Median age 41.7
New York
ZIP code 40353 in Mount Sterling, Kentucky has a population of 20,779. The median household income is $57,329, which is 25% below the national average. Median home value is $184,000, 34% below the US average. 22.5% of residents hold a bachelor's degree or higher.
ZIP code 40353 is classified by USPS as a standard delivery area and covers roughly 360.1 square miles in Mount Sterling, Montgomery County, Kentucky. The area is home to 20,779 residents, producing a population density of 58 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 40353 against Kentucky and the nation.
On the economic side, the median household income for ZIP 40353 sits at $57,329 (4% below the Kentucky average), while per-capita income is $31,834. The poverty rate stands at 14.6% and the unemployment rate at 3.5%. On housing, the median home value is $184,000 (16% above the state average) with median rent at $836 per month, and 66.6% of occupied units are owner-occupied, a direct signal of whether 40353 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 22.5% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 24 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 2 additional ZIPs sharing Montgomery County, so you can benchmark 40353 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 40353
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 40353.
- Retail trade
Retail trade
105 establishments
- Health care and social assistance
Health care and social assistance
78 establishments
- Construction
Construction
43 establishments
- Other services (except public administration)
Other services (except public administration)
43 establishments
- Accommodation and food services 40
Accommodation and food services
40 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 40353, Mount Sterling, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
20,779
Population
360.1
Area (sq mi)
58
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40353?
41.7
Median Age
48.4%
Male
51.6%
Female
1.5%
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?
$57,329
Median Household Income
-4% vs state
$31,834
Per Capita Income
14.6%
Poverty Rate
3.5%
Unemployment Rate
24.4 min
Mean Commute Time
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?
9,901
Total Housing Units
9,118
Occupied Units
783
Vacant Units
2.45
Avg Household Size
Occupancy Type
$184,000
Median Home Value
+16% vs state
$836
Median Rent
1984
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
+6.9%
YoY Change (2024)
229
HPI Index (2000 = 100)
+129%
Total Change Since 2000
Home values in ZIP 40353 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +129% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.0% | 149 |
| 2021 | +9.4% | 163 |
| 2022 | +18.3% | 193 |
| 2023 | +10.8% | 214 |
| 2024 | +6.9% | 229 |
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 528 business establishments in ZIP 40353, employing approximately 9,582 people with a combined annual payroll of $419,679,000.
528
Businesses
9,582
Employees
$419.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 105 | 19.9% |
| Health care and social assistance | 78 | 14.8% |
| Construction | 43 | 8.1% |
| Other services (except public administration) | 43 | 8.1% |
| Accommodation and food services | 40 | 7.6% |
| Professional, scientific, and technical services | 39 | 7.4% |
| Finance and insurance | 37 | 7.0% |
| Wholesale trade | 30 | 5.7% |
| Manufacturing | 25 | 4.7% |
| Administrative and support and waste management and remediation services | 24 | 4.5% |
| Real estate and rental and leasing | 20 | 3.8% |
| Transportation and warehousing | 15 | 2.8% |
| Information | 15 | 2.8% |
| Arts, entertainment, and recreation | 6 | 1.1% |
| Utilities | 4 | 0.8% |
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 40353 vs 40374 →
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 40353 in? ▼
What is the population of ZIP code 40353? ▼
What is the median household income in ZIP 40353? ▼
What is the average home value in ZIP 40353? ▼
What is the demographic makeup of ZIP 40353? ▼
How many businesses are in ZIP code 40353? ▼
What are the main industries in ZIP code 40353? ▼
How have home values changed in ZIP code 40353? ▼
What is the education level in ZIP code 40353? ▼
What is the average commute time in ZIP 40353? ▼
What percentage of residents own vs. rent in ZIP 40353? ▼
What is the poverty rate in ZIP code 40353? ▼
ZIP Code Research Guides
Official Data Resources for Mount Sterling, KY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.