Residential delivery area · Kentucky
ZIP Code 40403: Berea, KY
ZIP code 40403 uses the postal name Berea, Kentucky and lies mostly in Madison County (76% of its land), reaching into Garrard County and Rockcastle County (Census 2020 ZIP-county file). About 28,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Berea's 2 residential ZIP codes. Median household income is $61,771 (Census Bureau, ACS 2020-2024). By Census place, 15% of its land lies in Berea; 85% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Berea · 2 residential ZIPs
- County
- Madison County (76%); Garrard County (14%); Rockcastle County (9%)
- Census places
- Berea
- Micro area
- Richmond-Berea, KY
- House districts
- KY-6 (91%), KY-5 (9%) 119th Congress, by share of land
- State
- Kentucky
- Time zone
- Eastern
- Land area
- 111.0 sq mi · 249 people per sq mi
Where is ZIP code 40403?
40403 centers on 37.571°, -84.264° and covers 111.0 square miles of land plus 0.6 of water. It borders 8 ZIP codes: 40404, 40461, 40475, 40385, 40447, 40456, 40419, 40336.
The map draws ZIP code areas only. For the streets inside 40403, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 40403 compare with the rest of Berea?
| Measure | 40403 | In Berea | In Madison County | In KY |
|---|---|---|---|---|
| People (ACS 2020-2024) | 27,607 | 1st of 2 | 2nd of 5 | 41st of 780 |
| Median household income | $62k | 1st of 1 | 4th of 4 | 158th of 310 |
| Median home value | $200k | 1st of 1 | 3rd of 4 | 106th of 320 |
Its median household income is higher than in 32% of U.S. residential ZIP codes, and it is denser than 65% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 40403?
The 2020 Census counted 26,994 people in 40403; the ACS, which samples households over 2020-2024, estimates 27,607. Between the 2010 and 2020 censuses its population grew 13.5% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 27,607
- 2020 Census count
- 26,994+13.5% since 2010 (23,774)
- Households
- 10,414
- Median age
- 37.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 40403?
Of the 27,607 people the ACS estimates in 40403, 25.0% are under 18 and 14.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (90.1%).
- Under 1825.0%
- 18 to 6460.3%
- 65 and older14.7%
- White, not Hispanic90.1%
- Hispanic or Latino4.5%
- Other or two or more3.4%
- Black, not Hispanic1.7%
- Asian, not Hispanic0.4%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 40403 earn?
Median household income is $61,771 (ACS 2020-2024), the 4th highest of the 4 ranked ZIP codes in Madison County. It is not measurably different from 2015-2019 ($58,645 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $61,771
- Income per person
- $29,472
- Below the poverty line
- 16.9%
- Unemployed (of the labor force)
- 3.1%
- Adults 25+ with a bachelor's degree
- 26.8%
- Adjusted gross income per tax return, 2022
- $58,11611,360 returns; wages 76% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 40403?
FHFA's house price index for 40403, built from repeat sales and appraisals of the same homes, rose 92% from 2015 to 2025 and rose 54% from 2020 to 2025, and moved +4.4% in 2025.
- Median home value (owners' estimate)
- $200,200
- Median gross rent
- $834
- Homes owned by their occupants
- 71.4%
- Housing units
- 11,355
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 40403?
435 business establishments had a location in this ZIP code in 2023, 10 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade72
- Health care and social assistance70
- Other services (except public administration)51
- Construction47
- Accommodation and food services47
- Finance and insurance30
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 40403?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 40404 | Berea | 1,114 | – | 1.5 mi |
| 40461 | Paint Lick | 2,527 | $71k | 7.8 mi |
| 40475 | Richmond | 65,961 | $63k | 13.4 mi |
| 40385 | Waco | 2,233 | $63k | 13.6 mi |
| 40447 | McKee | 8,014 | $35k | 14.9 mi |
| 40456 | Mount Vernon | 8,370 | $47k | 15.3 mi |
| 40419 | Crab Orchard | 5,250 | $57k | 15.5 mi |
| 40336 | Irvine | 12,718 | $46k | 16.8 mi |
| 40460 | Orlando | 1,358 | $35k | 12.4 mi (near) |
| 40481 | Sandgap | 209 | $50k | 13.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.