Warsaw, KY · standard
ZIP Code 41095
Gallatin County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,540
- 51/sq mi Moderate-density area
- $66,905
- Median income Near-median income area
- $180,700
- Median home value Near-median home value
- 15.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Warsaw pairs a below-median household income with below-median home values, in a rural, mixed-tenure area.
- 42nd pct
- household income, US ZIPs
- 38th pct
- home value, US ZIPs
- 51
- people per sq mi
- 60%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 41095 against every reporting US ZIP.
ZIP code 41095 covers 69.4 square miles in Warsaw, Gallatin County, Kentucky (a standard USPS delivery area), with a modest 3,540 residents on file, a density of 51 people per square mile, in the New York time zone.
ZIP 41095 reports a modest median household income of $66,905 (12% above the average Kentucky ZIP), while per-capita income is $33,335. The poverty rate is 14.6%, with unemployment at 5.1%; those measures add context to the income figure. Median home value is $180,700 (14% above the average Kentucky ZIP) and median rent is $771; 59.8% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 15.8% of adults hold a bachelor's degree or higher, the median age is 35.8, and the average commute is 27 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 2 more in Gallatin County, so 41095 can be compared with both its immediate and county-level context.
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 41095
Top 5 sectors by establishment count in Warsaw, KY
Which industries have the most business establishments in ZIP 41095.
- Retail trade
Retail trade
12 establishments
- Finance and insurance
Finance and insurance
8 establishments
- Health care and social assistance
Health care and social assistance
7 establishments
- Accommodation and food services
Accommodation and food services
6 establishments
- Construction
Construction
5 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 41095, Warsaw, 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
3,540
Population
69.4
Area (sq mi)
51
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 41095?
35.8
Median Age
50.3%
Male
49.7%
Female
4.3%
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?
$66,905
Median Household Income
+12% vs state ZIP avg
$33,335
Per Capita Income
14.6%
Poverty Rate
5.1%
Unemployment Rate
26.5 min
Mean Commute Time
How ZIP 41095 ranks among Kentucky ZIPs
Warsaw, 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)
$66,905 Top 28% higher than 72% 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
1,747housing units
1,747
Total Housing Units
1,464
Occupied Units
283
Vacant Units
2.72
Avg Household Size
Occupancy Type
$180,700
Median Home Value
+14% vs state ZIP avg
$771
Median Rent
1991
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 54 business establishments in ZIP 41095, employing approximately 1,063 people with a combined annual payroll of $44,395,000.
54
Businesses
1,063
Employees
$44.4M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 12 | 22.2% |
| Finance and insurance | 8 | 14.8% |
| Health care and social assistance | 7 | 13.0% |
| Accommodation and food services | 6 | 11.1% |
| Construction | 5 | 9.3% |
| Professional, scientific, and technical services | 5 | 9.3% |
| Other services (except public administration) | 3 | 5.6% |
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 41095 vs 47038 →
ZIP 41095 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 41091
Union (41091)
16,873 residents
- 47040 5,480
Rising Sun (47040)
5,480 residents
- 41095 3,540
Warsaw (41095)
3,540 residents
- 41092 3,514
Verona (41092)
3,514 residents
- 41086 2,771
Sparta (41086)
2,771 residents
- 47038 1,504
Patriot (47038)
1,504 residents
- 41046 1,414
Glencoe (41046)
1,414 residents
- 47020 1,309
Florence (47020)
1,309 residents
- 41052 107
Jonesville (41052)
107 residents
What this shows Among its immediate neighbors, ZIP 41095 ranks #3 by population - useful context the national average alone can't give.
ZIP 41095 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 41091
Union (41091)
$136,307 median income
- 41092
Verona (41092)
$85,625 median income
- 47040
Rising Sun (47040)
$75,014 median income
- 47020
Florence (47020)
$71,875 median income
- 41052
Jonesville (41052)
$70,842 median income
- 41095
Warsaw (41095)
$66,905 median income
- 41046
Glencoe (41046)
$63,250 median income
- 41086
Sparta (41086)
$61,824 median income
- 47038 $46,101
Patriot (47038)
$46,101 median income
What this shows By household income, ZIP 41095 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 41095, 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 (3,540 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Gallatin County
Related Areas
Frequently Asked Questions
What county is ZIP code 41095 in?
ZIP code 41095 (Warsaw) is located in Gallatin County, Kentucky. Gallatin County contains multiple ZIP codes, see the full list at /counties/gallatin-ky.
What is the population of ZIP code 41095?
ZIP code 41095 in Warsaw, KY has a population of 3,540 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 41095?
The median household income in ZIP 41095 is $66,905, which is 12% below the national average of $76,288.
What is the average home value in ZIP 41095?
The median home value in ZIP 41095 is $180,700, which is 35% below the national average of $278,155.
What is the demographic makeup of ZIP 41095?
The largest racial group in ZIP 41095 is White at 84.7%. Hispanic or Latino residents make up 8.9% of the population.
How many businesses are in ZIP code 41095?
ZIP code 41095 has 54 business establishments employing approximately 1,063 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 41095?
The top industries by establishment count in ZIP 41095 are: Retail trade (12), Finance and insurance (8), Health care and social assistance (7). There are 7 industry sectors represented in total.
What is the education level in ZIP code 41095?
In ZIP code 41095, 59.4% of residents aged 25+ have a high school diploma or higher, and 15.8% 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 41095?
The mean commute time for workers in ZIP code 41095 is 26.5 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 41095?
In ZIP code 41095, approximately 59.8% of occupied housing units are owner-occupied and 40.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 41095?
The poverty rate in ZIP code 41095 is 14.6% 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 41095's numbers, next.
- See how ZIP 41095 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Warsaw, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.