40115 ZIP Code — Custer, KY

Breckinridge County, Kentucky

ZIP code 40115 is located in Custer, Kentucky, within Breckinridge County. It covers approximately 17.67 square miles and serves a population of 797 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 40115

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Owner-occupancy is high at 88%, well above the national average.

The gap between median ($58,274) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 45% of residents, above the national average. SNAP benefit usage at 34% of households reflects economic stress in the area. 55% 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. An above-average commute of 88 minutes suggests many residents work outside the immediate area.

College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (28%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 41%.

Overall, ZIP code 40115 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

797

population

17.67

sq mi land

Standard

ZIP type

Central (CT)

timezone

40115 ZIP code map

Cities in ZIP code 40115

Below are the cities the US Postal Service accepts for ZIP code 40115. Using any city not on this list may result in mail delivery delays.

City	Status
Custer	Acceptable
Custer	Preferred

Nearby ZIP codes

40144 Harned (3.5 mi) 40144 Harned (3.5 mi) 40140 Garfield (4.8 mi) 40140 Garfield (4.8 mi) 40145 Hudson (5.8 mi) 40145 Hudson (5.8 mi) 40146 Irvington (9.6 mi) 40146 Irvington (9.6 mi) 40143 Hardinsburg (11.1 mi) 40143 Hardinsburg (11.1 mi) 40152 Mc Daniels (11.6 mi) 40152 Mc Daniels (11.6 mi)

Demographics updated 05/2026

Population
Total population	797
Population density	45 / sq mi
State FIPS	21
County FIPS	027

Geography
Land area	17.67 sq mi
Water area	0.21 sq mi
Latitude	37.7242
Longitude	-86.2797
Timezone	Central (CT)
Area code	270/364

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.4%	52.7%	47.9%
$50k – $100k	49.8%	29.8%	30.3%
$100k – $200k	3.3%	15.3%	17.6%
Over $200k	2.5%	2.2%	4.2%

Demographics & statistics

797

Population

People per sq mi

39.5

Median age

$58,274

Median household income

$26,538

Per capita income

Median home value

Median monthly rent

87.8%

Home ownership

44.6%

Poverty rate

12.6%

Unemployment

265

Housing units

6.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

25–34

125

35–44

105

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	133	16.7%
18 and over	664	83.3%
65 and over	116	14.6%
Median age	39.5 years

Race & ethnicity

White 80%

Two or more races 17.5%

Hispanic or Latino 2.4%

Group	Count	%
White	654	80%
Two or more races	143	17.5%
Hispanic or Latino	20	2.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.4%	52.7%	47.9%
$50k – $100k	49.8%	29.8%	30.3%
$100k – $200k	3.3%	15.3%	17.6%
Over $200k	2.5%	2.2%	4.2%

Under $10k 2.3%

$15k–$25k 24.9%

$25k–$35k 5.0%

$35k–$50k 1.8%

$50k–$75k 25.8%

$75k–$100k 10.9%

$100k–$150k 21.7%

$200k+ 7.7%

Range	% of households
Under $10k	2.3%
$15k–$25k	24.9%
$25k–$35k	5.0%
$35k–$50k	1.8%
$50k–$75k	25.8%
$75k–$100k	10.9%
$100k–$150k	21.7%
$200k+	7.7%
Median income	$58,274

Housing

Home values

Under $50k 4.6%

$50k–$100k 37.1%

$100k–$150k 8.8%

$150k–$200k 3.6%

$200k–$300k 26.8%

$300k–$500k 19.1%

Housing overview

Metric	Value
Median home value	$0
Median rent / month	$0
Owner occupied	87.8%
Renter occupied	12.2%
Vacant	24.3%
Single-family detached	79.1%
Large apartment buildings	0.0%
Mobile homes	20.9%
Median rooms	5.6
Avg household size (owned)	3.81

Year built

Era	%
2020 or later	5.8%
2010–2019	21.9%
2000–2009	27.4%
1990–1999	8.9%
1980–1989	6.5%
1970–1979	17.1%
1960–1969	0.0%
1950–1959	0.0%
1940–1949	2.4%
1939 or earlier	9.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.4%
2 bedrooms	38.4%
3 bedrooms	38.0%
4 bedrooms	11.6%
5+ bedrooms	9.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.3%
1 vehicle	12.7%
2 vehicles	37.6%
3 or more	47.5%

Heating fuel

Fuel type	%
Electricity	48.9%
Propane / LP gas	18.6%
Wood	10.9%
No fuel used	21.7%

Households & families

Household type	Count	%
Married-couple family	171	77.4%
Cohabiting couple	15	6.8%
Male householder, no spouse	5	2.3%
Female householder, no spouse	30	13.6%
Households with children under 18	90	40.7%
Households with seniors (65+)	73	33.0%
Average household size	3.61

Marital status

Status	Male	Female
Never married	56.2%	33.5%
Married	43.8%	50.6%
Separated	0.0%	0.0%
Widowed	0.0%	2.6%
Divorced	0.0%	13.2%

Education

Less than 9th grade 0.9%

Some HS, no diploma 41.1%

HS graduate 18.1%

Some college, no degree 25.8%

Associate's degree 8.1%

Bachelor's degree 4.7%

Graduate / professional 1.4%

Metric	%
HS diploma or higher	58.1%
Bachelor's or higher	6.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	90	41.7%
High school	126	58.3%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 29.3%

Manufacturing 27.6%

Transportation & utilities 13.8%

Other services 13.8%

Arts, food & hospitality 11.5%

Retail trade 2.3%

Professional & management 1.7%

Occupation

Category	%
Management, business & arts	25.3%
Service	17.2%
Sales & office	16.1%
Natural resources & construction	22.4%
Production & transportation	19.0%

Employment type

Type	%
Private sector	83.9%
Government	13.8%
Self-employed	2.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	87.9%
Carpool	4.0%
Public transit	0.0%
Walk	0.0%
Work from home	4.0%
Other means	4.0%
Avg commute (minutes)	87.5

Poverty

All people 44.6%

Under 18 years 6.4%

18 and over 51.8%

Married-couple families 28.1%

Female-led households 0.0%

Income support

Source	% of households
Social Security	55.2%
Retirement income	29.4%
Supplemental Security	24.0%
Cash public assistance	0.0%
Food stamps / SNAP	33.9%

Health indicators

Condition	%
Obesity	40.7%
High blood pressure	43.8%
High cholesterol	39.2%
Diabetes	13.9%
Heart disease	8.9%
Stroke	4.3%
Asthma	12.1%
Arthritis	34.7%
Kidney disease	3.6%
Pulmonary disease	13.3%
Cancer	6.8%

Behavior / access	%
Smoking	27.9%
Binge drinking	15.0%
No physical activity	35.8%
Less than 7 hrs sleep	39.3%
Depression	27.4%
Fair or poor health	25.1%
Poor mental health	19.6%
Poor physical health	17.1%
No health insurance	12.1%
Visited doctor (checkup)	76.7%
Visited dentist	49.1%
Cholesterol screening	88.9%
Teeth loss	23.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	51	7.7%

Disability	%
Any disability	40.8%
Under 18	8.3%
18–64 years	53.8%
65 and over	16.4%

Health insurance coverage

Type	%
Private insurance	40.0%
Public insurance	70.1%
No insurance	3.9%
Uninsured under 19	7.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	786	98.6%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	797	100.0%
Born in same state	787	98.7%
Born in different state	716	89.8%
Foreign born	10	1.3%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	311	39%
Arab	63	7.9%
French	32	4%

Ancestry	Count	%
German	10	1.3%
English	5	0.6%

Technology access

Metric	% of households
Computer access	27.7%
Internet access	91.9%

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

Frequently asked questions about ZIP code 40115

What city is ZIP code 40115 in?

ZIP code 40115 is primarily assigned to Custer, Kentucky.

What county is ZIP code 40115 in?

ZIP code 40115 falls within Breckinridge County, Kentucky.

What is the poverty rate in ZIP code 40115?

45% of residents in ZIP code 40115 live below the poverty line, above the national average.

Does ZIP code 40115 have a large retiree population?

55% of households in ZIP code 40115 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 40115?

6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 40115 mostly owner-occupied?

88% of occupied units in ZIP code 40115 are owner-occupied, well above the national average.

What timezone is ZIP code 40115 in?

ZIP code 40115 observes the CST timezone.