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
- $62,463
- Median income
- $218,000
- Median home value
- 18.6%
- Bachelor's or higher
The verdict
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.
ZIP code 40444 is classified by USPS as a standard delivery area and covers roughly 411.0 square miles in Lancaster, Garrard County, Kentucky. The area is home to 14,096 residents, producing a population density of 34 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 40444 against Kentucky and the nation.
On the economic side, the median household income for ZIP 40444 sits at $62,463 (5% above the Kentucky average), while per-capita income is $30,862. The poverty rate stands at 14.0% and the unemployment rate at 5.7%. On housing, the median home value is $218,000 (37% above the state average) with median rent at $811 per month, and 79.4% of occupied units are owner-occupied, a direct signal of whether 40444 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 18.6% of adults hold a bachelor's degree or higher, the median age is 43.1, and the average commute is 33 minutes. Use the benchmarks above to see where 40444 sits relative to Kentucky and the national baseline rather than viewing the numbers in isolation. 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 40444
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$30,862
Per Capita Income
14.0%
Poverty Rate
5.7%
Unemployment Rate
33.0 min
Mean Commute Time
How ZIP 40444 ranks nationally
Household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$62,463 34th percentile higher than 34% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
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
$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.
Related Areas
Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Lancaster, KY
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.