40403 ZIP Code — Berea, KY

Madison County, Kentucky

ZIP code 40403 is located in Berea, Kentucky, within Madison County. It covers approximately 111.00 square miles and serves a population of 26,104 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 859.

About ZIP code 40403

The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $175,000. Owner-occupancy sits near the national average at 68%.

Median household income is $57,500. Poverty affects 18% of residents, above the national average. SNAP benefit usage at 20% of households reflects economic stress in the area. 33% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 40403 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

26,104

population

111.00

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40403 ZIP code map

Cities in ZIP code 40403

Below are the cities the US Postal Service accepts for ZIP code 40403. Using any city not on this list may result in mail delivery delays.

City	Status
Berea	Preferred

Nearby ZIP codes

40404 Berea (2.9 mi) 40461 Paint Lick (10.1 mi) 40385 Waco (12.7 mi) 40481 Sandgap (13 mi) 40456 Mount Vernon (14.8 mi) 40447 Mc Kee (14.9 mi) 40475 Richmond (15 mi) 40419 Crab Orchard (15.2 mi) 40409 Brodhead (16.5 mi) 40445 Livingston (17.6 mi) 40336 Irvine (18.2 mi)

Demographics updated 06/2026

Population
Total population	26,104
Population density	235 / sq mi
State FIPS	21
County FIPS	151

Geography
Land area	111.00 sq mi
Water area	0.57 sq mi
Latitude	37.5596
Longitude	-84.2442
Timezone	Eastern (ET)
Area code	859

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.1%	48.7%	47.9%
$50k – $100k	31.6%	30.4%	30.3%
$100k – $200k	14.9%	17.8%	17.6%
Over $200k	1.3%	3.1%	4.2%

Demographics & statistics

26,104

Population

235

People per sq mi

37.1

Median age

$57,500

Median household income

$28,567

Per capita income

$175,000

Median home value

$785

Median monthly rent

68.2%

Home ownership

17.7%

Poverty rate

2.5%

Unemployment

7,692

Housing units

25.3%

Bachelor's or higher

Age distribution

Male Female

773

Under 5

784

863

5–9

876

937

10–14

951

942

15–19

956

970

20–24

984

1,653

25–34

1,676

1,636

35–44

1,659

1,570

45–54

1,593

777

55–59

788

975

60–64

989

1,155

65–74

1,171

538

75–84

545

170

85+

173

← Male

Female →

Age summary

Group	Count	%
Under 18	6,306	24.2%
18 and over	19,798	75.8%
65 and over	3,752	14.4%
Median age	37.1 years

Race & ethnicity

White 90.9%

Two or more races 3.6%

Hispanic or Latino 1.9%

Black or African American 1.6%

Other race 0.9%

American Indian / Alaska Native 0.8%

Asian 0.2%

Group	Count	%
White	24,210	90.9%
Two or more races	969	3.6%
Hispanic or Latino	519	1.9%
Black or African American	417	1.6%
Other race	240	0.9%
American Indian / Alaska Native	214	0.8%
Asian	42	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.1%	48.7%	47.9%
$50k – $100k	31.6%	30.4%	30.3%
$100k – $200k	14.9%	17.8%	17.6%
Over $200k	1.3%	3.1%	4.2%

Under $10k 7.0%

$10k–$15k 4.2%

$15k–$25k 8.2%

$25k–$35k 9.5%

$35k–$50k 13.8%

$50k–$75k 20.1%

$75k–$100k 13.6%

$100k–$150k 15.7%

$150k–$200k 5.5%

$200k+ 2.5%

Range	% of households
Under $10k	7.0%
$10k–$15k	4.2%
$15k–$25k	8.2%
$25k–$35k	9.5%
$35k–$50k	13.8%
$50k–$75k	20.1%
$75k–$100k	13.6%
$100k–$150k	15.7%
$150k–$200k	5.5%
$200k+	2.5%
Median income	$57,500

Housing

Home values

Under $50k 6.9%

$50k–$100k 12.2%

$100k–$150k 18.7%

$150k–$200k 25.3%

$200k–$300k 24.9%

$300k–$500k 10.2%

$500k–$1M 1.7%

Housing overview

Metric	Value
Median home value	$175,000
Median rent / month	$785
Owner occupied	68.2%
Renter occupied	31.8%
Vacant	8.2%
Single-family detached	69.8%
Large apartment buildings	0.3%
Mobile homes	9.1%
Median rooms	6.0
Avg household size (owned)	2.60

Year built

Era	%
2020 or later	0.8%
2010–2019	12.1%
2000–2009	19.7%
1990–1999	19.7%
1980–1989	14.8%
1970–1979	13.5%
1960–1969	7.2%
1950–1959	3.3%
1940–1949	4.3%
1939 or earlier	4.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	3.8%
2 bedrooms	23.8%
3 bedrooms	51.9%
4 bedrooms	15.9%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	30.4%
2 vehicles	38.1%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	18.2%
Electricity	75.3%
Propane / LP gas	3.3%
Fuel oil	0.2%
Wood	2.4%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	5,284	53.0%
Cohabiting couple	824	8.3%
Male householder, no spouse	1,604	16.1%
Female householder, no spouse	2,254	22.6%
Households with children under 18	3,594	36.1%
Households with seniors (65+)	2,696	27.1%
Average household size	2.56

Marital status

Status	Male	Female
Never married	27.7%	25.0%
Married	53.6%	50.1%
Separated	0.8%	1.7%
Widowed	3.1%	7.6%
Divorced	14.8%	15.6%

Education

Less than 9th grade 5.6%

Some HS, no diploma 7.6%

HS graduate 32.3%

Some college, no degree 20.7%

Associate's degree 8.4%

Bachelor's degree 15.4%

Graduate / professional 9.9%

Metric	%
HS diploma or higher	86.8%
Bachelor's or higher	25.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	283	4.3%
Kindergarten	296	4.5%
Elementary school	2,809	42.3%
High school	1,370	20.6%
College / grad school	1,888	28.4%

Employment

Industry of employment

Education & healthcare 28.0%

Manufacturing 14.8%

Retail trade 12.5%

Arts, food & hospitality 10.6%

Professional & management 7.1%

Construction 6.6%

Other services 5.5%

Public administration 4.9%

Transportation & utilities 4.2%

Finance & real estate 2.9%

Agriculture & mining 1.3%

Information 1.1%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	34.9%
Service	19.0%
Sales & office	18.7%
Natural resources & construction	8.4%
Production & transportation	19.0%

Employment type

Type	%
Private sector	80.7%
Government	13.1%
Self-employed	5.9%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	77.6%
Carpool	11.3%
Public transit	0.1%
Walk	3.0%
Work from home	7.7%
Other means	0.3%
Avg commute (minutes)	24.6

Poverty

All people 17.7%

Under 18 years 22.5%

18 and over 16.2%

Married-couple families 7.0%

Female-led households 47.8%

Income support

Source	% of households
Social Security	32.6%
Retirement income	26.3%
Supplemental Security	7.8%
Cash public assistance	2.3%
Food stamps / SNAP	19.8%

Health indicators

Condition	%
Obesity	36.1%
High blood pressure	37.5%
High cholesterol	35.8%
Diabetes	10.9%
Heart disease	7.0%
Stroke	3.3%
Asthma	11.5%
Arthritis	29.5%
Kidney disease	3.0%
Pulmonary disease	10.0%
Cancer	6.3%

Behavior / access	%
Smoking	22.7%
Binge drinking	15.5%
No physical activity	28.9%
Less than 7 hrs sleep	40.1%
Depression	26.6%
Fair or poor health	19.7%
Poor mental health	18.8%
Poor physical health	13.8%
No health insurance	10.5%
Visited doctor (checkup)	76.0%
Visited dentist	55.3%
Cholesterol screening	88.9%
Teeth loss	18.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,456	7.4%

Disability	%
Any disability	19.7%
Under 18	10.0%
18–64 years	17.9%
65 and over	44.5%

Health insurance coverage

Type	%
Private insurance	57.9%
Public insurance	49.9%
No insurance	5.2%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	24,547	94.0%
Spanish	285	1.2%
Other Indo-European	260	1.1%
Asian & Pacific Islander	0	0.0%
Other languages	25	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	25,611	98.1%
Born in same state	25,456	97.5%
Born in different state	19,027	72.9%
Foreign born	155	0.6%
Naturalized citizen	493	1.9%
Not a US citizen	292	59.2%

Ancestry

Ancestry	Count	%
Arab	4,622	17.7%
French	3,696	14.2%
Italian	2,606	10%
English	252	1%
Polish	116	0.4%

Ancestry	Count	%
German	91	0.3%
Irish	57	0.2%
Norwegian	32	0.1%
Dutch	9	0%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	94.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 40403

What city is ZIP code 40403 in?

ZIP code 40403 is primarily assigned to Berea, Kentucky.

What county is ZIP code 40403 in?

ZIP code 40403 falls within Madison County, Kentucky.

What is the poverty rate in ZIP code 40403?

18% of residents in ZIP code 40403 live below the poverty line, above the national average.

What is the typical home value in ZIP code 40403?

The median home value in ZIP code 40403 is $175,000.

What is the population of ZIP code 40403?

ZIP code 40403 has an estimated population of 26,104 residents, with a density of 235 people per square mile.

What is the median household income in ZIP code 40403?

The median household income in ZIP code 40403 is $57,500, below the national median of ~$75,000.

What timezone is ZIP code 40403 in?

ZIP code 40403 observes the EST timezone.