41040 ZIP Code — Falmouth, KY

Pendleton County, Kentucky

ZIP code 41040 is located in Falmouth, Kentucky, within Pendleton County. It covers approximately 149.37 square miles and serves a population of 7,312 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 859.

About ZIP code 41040

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $123,000. Owner-occupancy sits near the national average at 70%.

Median household income is $48,384. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 19% of households reflects economic stress in the area. 39% 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 36 minutes suggests many residents work outside the immediate area.

College attainment at 12% 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.

Overall, ZIP code 41040 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

7,312

population

149.37

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41040 ZIP code map

Cities in ZIP code 41040

Below are the cities the US Postal Service accepts for ZIP code 41040. Using any city not on this list may result in mail delivery delays.

City	Status
Falmouth	Acceptable
Falmouth	Preferred

Nearby ZIP codes

41033 De Mossville (9 mi) 41006 Butler (9.8 mi) 41003 Berry (10.3 mi) 41043 Foster (12.5 mi) 41004 Brooksville (13 mi) 41097 Williamstown (13.2 mi) 41031 Cynthiana (16 mi) 41030 Crittenden (16.2 mi) 41063 Morning View (16.5 mi) 41010 Corinth (16.6 mi) 41035 Dry Ridge (16.6 mi) 41007 California (16.9 mi)

Demographics updated 05/2026

Population
Total population	7,312
Population density	49 / sq mi
State FIPS	21
County FIPS	191

Geography
Land area	149.37 sq mi
Water area	2.17 sq mi
Latitude	38.6559
Longitude	-84.3470
Timezone	Eastern (ET)
Area code	859

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.7%	46.4%	47.9%
$50k – $100k	32.1%	30.9%	30.3%
$100k – $200k	14.3%	19.9%	17.6%
Over $200k	3.0%	2.7%	4.2%

Demographics & statistics

7,312

Population

People per sq mi

40.9

Median age

$48,384

Median household income

$27,106

Per capita income

$123,000

Median home value

$885

Median monthly rent

70.3%

Home ownership

22.0%

Poverty rate

5.2%

Unemployment

2,615

Housing units

12.3%

Bachelor's or higher

Age distribution

Male Female

230

Under 5

200

258

5–9

224

182

10–14

159

265

15–19

231

186

20–24

162

548

25–34

477

421

35–44

367

485

45–54

423

393

55–59

342

322

60–64

281

391

65–74

340

201

75–84

175

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,600	21.9%
18 and over	5,712	78.1%
65 and over	1,156	15.8%
Median age	40.9 years

Race & ethnicity

White 96.3%

Two or more races 1.4%

Hispanic or Latino 0.6%

Black or African American 0.6%

Native Hawaiian / Pacific Islander 0.6%

Other race 0.4%

Asian 0.2%

Group	Count	%
White	7,083	96.3%
Two or more races	101	1.4%
Hispanic or Latino	45	0.6%
Black or African American	41	0.6%
Native Hawaiian / Pacific Islander	41	0.6%
Other race	31	0.4%
Asian	12	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.7%	46.4%	47.9%
$50k – $100k	32.1%	30.9%	30.3%
$100k – $200k	14.3%	19.9%	17.6%
Over $200k	3.0%	2.7%	4.2%

Under $10k 15.2%

$10k–$15k 6.6%

$15k–$25k 6.0%

$25k–$35k 8.5%

$35k–$50k 16.3%

$50k–$75k 12.7%

$75k–$100k 14.4%

$100k–$150k 14.4%

$150k–$200k 4.3%

$200k+ 1.6%

Range	% of households
Under $10k	15.2%
$10k–$15k	6.6%
$15k–$25k	6.0%
$25k–$35k	8.5%
$35k–$50k	16.3%
$50k–$75k	12.7%
$75k–$100k	14.4%
$100k–$150k	14.4%
$150k–$200k	4.3%
$200k+	1.6%
Median income	$48,384

Housing

Home values

Under $50k 11.0%

$50k–$100k 31.2%

$100k–$150k 14.7%

$150k–$200k 20.3%

$200k–$300k 11.9%

$300k–$500k 9.3%

$500k–$1M 1.6%

Housing overview

Metric	Value
Median home value	$123,000
Median rent / month	$885
Owner occupied	70.3%
Renter occupied	29.7%
Vacant	17.3%
Single-family detached	70.3%
Large apartment buildings	1.5%
Mobile homes	20.9%
Median rooms	5.9
Avg household size (owned)	2.58

Year built

Era	%
2020 or later	0.5%
2010–2019	4.2%
2000–2009	11.2%
1990–1999	16.6%
1980–1989	10.5%
1970–1979	13.7%
1960–1969	9.6%
1950–1959	12.2%
1940–1949	5.0%
1939 or earlier	16.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	7.5%
2 bedrooms	26.1%
3 bedrooms	49.0%
4 bedrooms	12.9%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	5.5%
1 vehicle	30.2%
2 vehicles	33.7%
3 or more	30.6%

Heating fuel

Fuel type	%
Utility gas	29.4%
Electricity	35.6%
Propane / LP gas	23.9%
Fuel oil	3.6%
Wood	5.8%
Solar	0.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	1,280	44.7%
Cohabiting couple	241	8.4%
Male householder, no spouse	691	24.1%
Female householder, no spouse	654	22.8%
Households with children under 18	847	29.6%
Households with seniors (65+)	860	30.0%
Average household size	2.54

Marital status

Status	Male	Female
Never married	37.0%	24.7%
Married	42.8%	50.8%
Separated	4.0%	2.5%
Widowed	2.9%	11.3%
Divorced	13.4%	10.7%

Education

Less than 9th grade 6.0%

Some HS, no diploma 12.6%

HS graduate 41.2%

Some college, no degree 18.2%

Associate's degree 9.7%

Bachelor's degree 8.6%

Graduate / professional 3.7%

Metric	%
HS diploma or higher	81.4%
Bachelor's or higher	12.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	153	10.8%
Kindergarten	139	9.8%
Elementary school	497	34.9%
High school	457	32.1%
College / grad school	177	12.4%

Employment

Industry of employment

Education & healthcare 18.7%

Construction 14.6%

Manufacturing 13.9%

Retail trade 12.8%

Professional & management 9.9%

Transportation & utilities 7.2%

Other services 6.6%

Public administration 4.7%

Arts, food & hospitality 3.9%

Finance & real estate 3.7%

Wholesale trade 2.2%

Agriculture & mining 1.5%

Information 0.3%

Occupation

Category	%
Management, business & arts	26.0%
Service	14.8%
Sales & office	18.4%
Natural resources & construction	17.0%
Production & transportation	23.7%

Employment type

Type	%
Private sector	83.8%
Government	10.3%
Self-employed	5.7%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	81.1%
Carpool	9.8%
Public transit	0.3%
Walk	2.0%
Work from home	5.2%
Other means	1.6%
Avg commute (minutes)	35.5

Poverty

All people 22.0%

Under 18 years 29.7%

18 and over 19.9%

Married-couple families 7.4%

Female-led households 55.8%

Income support

Source	% of households
Social Security	39.2%
Retirement income	19.7%
Supplemental Security	8.3%
Cash public assistance	2.3%
Food stamps / SNAP	19.4%

Health indicators

Condition	%
Obesity	42.2%
High blood pressure	41.1%
High cholesterol	36.5%
Diabetes	12.5%
Heart disease	8.0%
Stroke	3.8%
Asthma	11.9%
Arthritis	33.1%
Kidney disease	3.3%
Pulmonary disease	12.1%
Cancer	6.4%

Behavior / access	%
Smoking	28.2%
Binge drinking	15.5%
No physical activity	35.5%
Less than 7 hrs sleep	40.6%
Depression	27.9%
Fair or poor health	23.8%
Poor mental health	19.8%
Poor physical health	15.9%
No health insurance	12.0%
Visited doctor (checkup)	75.7%
Visited dentist	49.2%
Cholesterol screening	88.2%
Teeth loss	23.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	334	5.8%

Disability	%
Any disability	20.7%
Under 18	5.6%
18–64 years	17.8%
65 and over	53.1%

Health insurance coverage

Type	%
Private insurance	58.8%
Public insurance	47.7%
No insurance	7.2%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,882	94.1%
Spanish	6	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	2	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,199	98.5%
Born in same state	7,172	98.1%
Born in different state	5,507	75.3%
Foreign born	27	0.4%
Naturalized citizen	113	1.5%
Not a US citizen	103	91.2%

Ancestry

Ancestry	Count	%
French	904	12.4%
Arab	852	11.7%

Ancestry	Count	%
Italian	734	10%
English	7	0.1%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	80.8%

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

Frequently asked questions about ZIP code 41040

What city is ZIP code 41040 in?

ZIP code 41040 is primarily assigned to Falmouth, Kentucky.

What county is ZIP code 41040 in?

ZIP code 41040 falls within Pendleton County, Kentucky.

What is the poverty rate in ZIP code 41040?

22% of residents in ZIP code 41040 live below the poverty line, above the national average.

How educated is the population of ZIP code 41040?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 41040 have a large retiree population?

39% of households in ZIP code 41040 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 41040?

The median home value in ZIP code 41040 is $123,000.

What timezone is ZIP code 41040 in?

ZIP code 41040 observes the EST timezone.