Lancaster, KY · standard
ZIP Code 40444
Garrard County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 14,096
- 34/sq mi Moderate-density area
- $62,463
- Median income Near-median income area
- $218,000
- Median home value Near-median home value
- 18.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Lancaster pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 34th pct
- household income, US ZIPs
- 49th pct
- home value, US ZIPs
- 34
- people per sq mi
- 79%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40444 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 40444 (Lancaster, KY) rose +7.8% from 2023 to 2024. The all-transactions index moved from 201.3 in 2023 to 217.0 in 2024 (2000 = 100).
ZIP code 40444 is a mid-sized community (a standard USPS delivery area) in Lancaster, Garrard County, Kentucky, home to 14,096 residents across 411.0 square miles, a density of 34 people per square mile, in the New York time zone.
ZIP 40444 reports a modest median household income of $62,463 (5% above the average Kentucky ZIP), while per-capita income is $30,862. The poverty rate is 14.0%, with unemployment at 5.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $218,000 (37% above the average Kentucky ZIP), while 79.4% of occupied homes are owner-occupied and median rent is $811.
Educational attainment sits below the national norm: 18.6% of adults hold a bachelor's degree or higher, the median age is 43.1, and the average commute is 33 minutes. No nearby ZIP peer set is available for this delivery area, so the Kentucky and national benchmarks above are the appropriate context for 40444.
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 40444
Top 5 sectors by establishment count in Lancaster, KY
Which industries have the most business establishments in ZIP 40444.
- Construction
Construction
46 establishments
- Retail trade
Retail trade
32 establishments
- Health care and social assistance
Health care and social assistance
22 establishments
- Other services (except public administration) 18
Other services (except public administration)
18 establishments
- Finance and insurance 16
Finance and insurance
16 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 40444, Lancaster, 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
14,096
Population
411.0
Area (sq mi)
34
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40444?
43.1
Median Age
48.7%
Male
51.3%
Female
2.2%
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?
$62,463
Median Household Income
+5% vs state ZIP avg
$30,862
Per Capita Income
14.0%
Poverty Rate
5.7%
Unemployment Rate
33.0 min
Mean Commute Time
How ZIP 40444 ranks among Kentucky ZIPs
Lancaster, 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)
$62,463 Top 37% higher than 63% 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
6,082housing units
6,082
Total Housing Units
5,577
Occupied Units
505
Vacant Units
2.54
Avg Household Size
Occupancy Type
$218,000
Median Home Value
+37% vs state ZIP avg
$811
Median Rent
1987
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
+7.8%
YoY Change (2024)
217
HPI Index (2000 = 100)
+117%
Total Change Since 2000
Home values in ZIP 40444 have increased 7.8% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.8% | 143 |
| 2021 | +11.3% | 159 |
| 2022 | +17.8% | 187 |
| 2023 | +7.7% | 201 |
| 2024 | +7.8% | 217 |
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 224 business establishments in ZIP 40444, employing approximately 1,427 people with a combined annual payroll of $57,958,000.
224
Businesses
1,427
Employees
$58.0M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 46 | 20.5% |
| Retail trade | 32 | 14.3% |
| Health care and social assistance | 22 | 9.8% |
| Other services (except public administration) | 18 | 8.0% |
| Finance and insurance | 16 | 7.1% |
| Professional, scientific, and technical services | 15 | 6.7% |
| Accommodation and food services | 14 | 6.3% |
| Administrative and support and waste management and remediation services | 13 | 5.8% |
| Real estate and rental and leasing | 11 | 4.9% |
| Manufacturing | 9 | 4.0% |
| Transportation and warehousing | 9 | 4.0% |
| Information | 8 | 3.6% |
| Wholesale trade | 4 | 1.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40444, 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 (14,096 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
Related Areas
Frequently Asked Questions
What county is ZIP code 40444 in?
ZIP code 40444 (Lancaster) is located in Garrard County, Kentucky. Garrard County contains multiple ZIP codes, see the full list at /counties/garrard-ky.
What is the population of ZIP code 40444?
ZIP code 40444 in Lancaster, KY has a population of 14,096 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40444?
The median household income in ZIP 40444 is $62,463, which is 18% below the national average of $76,288.
What is the average home value in ZIP 40444?
The median home value in ZIP 40444 is $218,000, which is 22% below the national average of $278,155.
What is the demographic makeup of ZIP 40444?
The largest racial group in ZIP 40444 is White at 91.0%. Hispanic or Latino residents make up 3.2% of the population.
How many businesses are in ZIP code 40444?
ZIP code 40444 has 224 business establishments employing approximately 1,427 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40444?
The top industries by establishment count in ZIP 40444 are: Construction (46), Retail trade (32), Health care and social assistance (22). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 40444?
According to the FHFA House Price Index, home values in ZIP 40444 increased by 7.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. 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 40444?
In ZIP code 40444, 57.0% of residents aged 25+ have a high school diploma or higher, and 18.6% 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 40444?
The mean commute time for workers in ZIP code 40444 is 33.0 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 40444?
In ZIP code 40444, approximately 79.4% of occupied housing units are owner-occupied and 20.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40444?
The poverty rate in ZIP code 40444 is 14.0% 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 40444's numbers, next.
- See how ZIP 40444 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lancaster, 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.