PlainZIP

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
$66,905
Median income
$180,700
Median home value
15.8%
Bachelor's or higher

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 →

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Top industries in ZIP 41095

Top 5 sectors by establishment count in Warsaw, KY

Which industries have the most business establishments in ZIP 41095.

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 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

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 41095?

35.8

Median Age

50.3%

Male

49.7%

Female

4.3%

Foreign-Born

White 84.7%
African American 5.4%
Asian 0.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.0%
Hispanic or Latino 8.9%

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

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

What is the education profile here?

High School Graduate or Higher 59.4%
Bachelor's Degree or Higher 15.8%

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

What does housing look like?

1,747

Total Housing Units

1,464

Occupied Units

283

Vacant Units

2.72

Avg Household Size

Occupancy Type

Owner 59.8%
Renter 40.2%

$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.

residents

What this shows Among its immediate neighbors, ZIP 41095 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 41095 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
47038 Patriot, IN 1,504 4.1 mi
41046 Glencoe, KY 1,414 5.2 mi
47020 Florence, IN 1,309 6.1 mi
41092 Verona, KY 3,514 6.9 mi
41086 Sparta, KY 2,771 7.6 mi
41052 Jonesville, KY 107 8.7 mi
41091 Union, KY 16,873 9.8 mi
47040 Rising Sun, IN 5,480 11.3 mi

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).

55043 · Lakeland, MN 3,540 14710 · Ashville, NY 3,540 13471 · Taberg, NY 3,540 78383 · Sandia, TX 3,539

Similar median household income

Nearest cross-state ZIPs by ACS median household income.

67124 · Pratt, KS $66,905 47401 · Bloomington, IN $66,906 19904 · Dover, DE $66,908 48040 · Marysville, MI $66,901

More ZIP Codes in Gallatin County

41086 standard
Sparta, KY
Pop: 2,771
41046 standard
Glencoe, KY
Pop: 1,414

Related Areas

Gallatin County Warsaw, KY Kentucky

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

Compare this ZIP with another

Read our methodology : how this data is sourced, computed, and verified.

This page explains the source records, calculation, and limits behind the figures shown. ZIP-level Census records are displayed directly; county, state, and national comparisons are calculated from those published records. Read our editorial standards and corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-25.