PlainZIP

Berea, KY · standard

ZIP Code 40403

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

23,774
80/sq mi
$61,771
Median income
$200,200
Median home value
26.8%
Bachelor's or higher

The verdict

Berea pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

32th pct
household income, US ZIPs
43th pct
home value, US ZIPs
80
people per sq mi
71%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40403 against every reporting US ZIP.

ZIP code 40403 is a densely settled ZIP (a standard USPS delivery area) in Berea, Madison County, Kentucky, with 23,774 residents across 296.1 square miles, a density of 80 people per square mile, in the New York time zone.

ZIP 40403 reports a modest median household income of $61,771 (4% above the Kentucky average), while per-capita income is $29,472. The poverty rate stands at 16.9% and the unemployment rate at 3.1%. Housing costs here run $200,200 for a typical home value (26% above the state average), with rent averaging $834 a month; 71.4% of homes are owner-occupied.

Educational attainment sits below the national norm: 26.8% of adults hold a bachelor's degree or higher, the median age is 37.6, and the average commute is 25 minutes. To put 40403 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 4 additional ZIPs in Madison County, for a geography-aware comparison.

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 40403

Top 5 sectors by establishment count in Berea, KY

Which industries have the most business establishments in ZIP 40403.

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 40403, Berea, 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

23,774

Population

296.1

Area (sq mi)

80

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 40403?

37.6

Median Age

49.7%

Male

50.3%

Female

1.6%

Foreign-Born

White 92.3%
African American 1.8%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 4.9%
Hispanic or Latino 4.5%

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?

$61,771

Median Household Income

+4% vs state

$29,472

Per Capita Income

16.9%

Poverty Rate

3.1%

Unemployment Rate

24.6 min

Mean Commute Time

How ZIP 40403 ranks nationally

Berea, KY household income vs. every US ZIP code

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

$61,771 32nd percentile higher than 32% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 58.5%
Bachelor's Degree or Higher 26.8%

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

What does housing look like?

11,355

Total Housing Units

10,414

Occupied Units

941

Vacant Units

2.62

Avg Household Size

Occupancy Type

Owner 71.4%
Renter 28.6%

$200,200

Median Home Value

+26% vs state

$834

Median Rent

1993

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

+8.6%

YoY Change (2024)

236

HPI Index (2000 = 100)

+136%

Total Change Since 2000

Home values in ZIP 40403 have increased 8.6% over the past year (2024). Since 2000, this ZIP has seen +136% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.9% 160
2021 +11.9% 179
2022 +15.6% 207
2023 +5.3% 218
2024 +8.6% 236

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 435 business establishments in ZIP 40403, employing approximately 6,076 people with a combined annual payroll of $269,367,000.

435

Businesses

6,076

Employees

$269.4M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 72 16.6%
Health care and social assistance 70 16.1%
Other services (except public administration) 51 11.7%
Construction 47 10.8%
Accommodation and food services 47 10.8%
Finance and insurance 30 6.9%
Professional, scientific, and technical services 26 6.0%
Manufacturing 20 4.6%
Administrative and support and waste management and remediation services 19 4.4%
Real estate and rental and leasing 15 3.5%
Information 11 2.5%
Educational services 8 1.8%
Transportation and warehousing 7 1.6%
Arts, entertainment, and recreation 6 1.4%
Wholesale trade 4 0.9%

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 40403 vs 40404 →

ZIP 40403 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 40403 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
40404 Berea, KY 643 1.1 mi
40461 Paint Lick, KY 3,121 7.6 mi

More ZIP Codes in Madison County

40475 standard
Richmond, KY
Pop: 55,803
40385 standard
Waco, KY
Pop: 3,131
40461 standard
Paint Lick, KY
Pop: 3,121
40404 standard
Berea, KY
Pop: 643

Related Areas

Madison County Berea, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40403 in? ▼
ZIP code 40403 (Berea) is located in Madison County, Kentucky. Madison County contains multiple ZIP codes, see the full list at /counties/madison-ky.
What is the population of ZIP code 40403? ▼
ZIP code 40403 in Berea, KY has a population of 23,774 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40403? ▼
The median household income in ZIP 40403 is $61,771, which is 19% below the national average of $76,288.
What is the average home value in ZIP 40403? ▼
The median home value in ZIP 40403 is $200,200, which is 28% below the national average of $278,155.
What is the demographic makeup of ZIP 40403? ▼
The largest racial group in ZIP 40403 is White at 92.3%. Hispanic or Latino residents make up 4.5% of the population.
How many businesses are in ZIP code 40403? ▼
ZIP code 40403 has 435 business establishments employing approximately 6,076 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40403? ▼
The top industries by establishment count in ZIP 40403 are: Retail trade (72), Health care and social assistance (70), Other services (except public administration) (51). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 40403? ▼
According to the FHFA House Price Index, home values in ZIP 40403 increased by 8.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 136%. 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 40403? ▼
In ZIP code 40403, 58.5% of residents aged 25+ have a high school diploma or higher, and 26.8% 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 40403? ▼
The mean commute time for workers in ZIP code 40403 is 24.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40403? ▼
In ZIP code 40403, approximately 71.4% of occupied housing units are owner-occupied and 28.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40403? ▼
The poverty rate in ZIP code 40403 is 16.9% 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.