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Kentucky ZIP Codes
Breckinridge County
Garfield, KY
40140
40140 ZIP Code — Garfield, KY
Breckinridge County, Kentucky
ZIP code 40140 is located in
Garfield ,
Kentucky ,
within Breckinridge County .
It covers approximately 26.97 square miles and serves a population of
699 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 270/364 .
About ZIP code 40140
The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $53,200. Owner-occupancy is high at 83%, well above the national average.
The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 35 minutes is near the national average.
College attainment at 3% 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 a notable veteran presence at 14% of civilians, above the national average of 7%; and disability rates above the national average at 36%.
Overall, ZIP code 40140 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.
40140 ZIP code map
View map of 40140
Cities in ZIP code 40140
Below are the cities the US Postal Service accepts for ZIP code 40140. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
699
Population density
26 / sq mi
State FIPS
21
County FIPS
027
Geography
Land area
26.97 sq mi
Water area
0.09 sq mi
Latitude
37.6704
Longitude
-86.2255
Timezone
Central (CT)
Area code
270/364
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
75.4%
52.7%
47.9%
$50k – $100k
23.0%
29.8%
30.3%
$100k – $200k
1.6%
15.3%
17.6%
Over $200k
0.0%
2.2%
4.2%
Demographics & statistics
$0
Median household income
Age distribution
Age summary
Group Count % Under 18 161 23.0% 18 and over 538 77.0% 65 and over 119 17.0% Median age 38.3 years
Race & ethnicity
Black or African American
9%
Group Count % White 623 89.1% Black or African American 63 9% Two or more races 13 1.9%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
75.4%
52.7%
47.9%
$50k – $100k
23.0%
29.8%
30.3%
$100k – $200k
1.6%
15.3%
17.6%
Over $200k
0.0%
2.2%
4.2%
Range % of households Under $10k 12.9% $10k–$15k 24.1% $15k–$25k 12.5% $35k–$50k 8.1% $50k–$75k 15.3% $75k–$100k 15.3% $100k–$150k 8.5% $150k–$200k 3.4% Median income $0
Housing
Housing overview
Metric Value Median home value $53,200 Median rent / month $909 Owner occupied 83.1% Renter occupied 16.9% Vacant 20.5% Single-family detached 44.7% Large apartment buildings 0.0% Mobile homes 55.3% Median rooms 5.2 Avg household size (owned) 2.13
Year built
Era % 2020 or later 0.0% 2010–2019 7.8% 2000–2009 29.4% 1990–1999 19.7% 1980–1989 0.0% 1970–1979 12.4% 1960–1969 16.7% 1950–1959 0.0% 1940–1949 14.0% 1939 or earlier 0.0%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 3.0% 2 bedrooms 32.3% 3 bedrooms 60.6% 4 bedrooms 4.0% 5+ bedrooms 0.0%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 47.5% 2 vehicles 29.5% 3 or more 23.1%
Heating fuel
Fuel type % Utility gas 4.1% Electricity 50.5% Propane / LP gas 25.8% Fuel oil 2.4% Wood 15.6%
Households & families
Household type Count % Married-couple family 84 28.5% Cohabiting couple 74 25.1% Male householder, no spouse 49 16.6% Female householder, no spouse 88 29.8% Households with children under 18 86 29.2% Households with seniors (65+) 106 35.9% Average household size 2.37
Marital status
Status Male Female Never married 41.6% 9.9% Married 31.3% 38.8% Separated 0.0% 6.2% Widowed 8.1% 24.0% Divorced 19.0% 21.1%
Education
Some college, no degree
26.4%
Graduate / professional
1.3%
Metric % HS diploma or higher 89.9% Bachelor's or higher 3.4%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 65 66.3% High school 11 11.2% College / grad school 22 22.4%
Employment
Industry of employment
Public administration
8.2%
Finance & real estate
6.0%
Education & healthcare
6.0%
Professional & management
3.8%
Transportation & utilities
3.3%
Occupation
Category % Management, business & arts 2.2% Service 24.2% Sales & office 30.8% Natural resources & construction 1.6% Production & transportation 41.2%
Employment type
Type % Private sector 85.7% Government 10.4% Self-employed 3.8% Unpaid family workers 0.0%
Commute
Method % Drive alone 94.3% Carpool 5.7% Public transit 0.0% Walk 0.0% Work from home 0.0% Other means 0.0% Avg commute (minutes) 35.0
Poverty
Married-couple families
23.8%
Female-led households
91.2%
Income support
Source % of households Social Security 51.5% Retirement income 24.7% Supplemental Security 12.2% Cash public assistance 7.5% Food stamps / SNAP 25.1%
Health indicators
Condition % Obesity 40.2% High blood pressure 41.9% High cholesterol 38.0% Diabetes 12.8% Heart disease 8.3% Stroke 3.9% Asthma 11.9% Arthritis 32.9% Kidney disease 3.4% Pulmonary disease 12.3% Cancer 6.4%
Behavior / access % Smoking 27.6% Binge drinking 15.4% No physical activity 34.5% Less than 7 hrs sleep 39.2% Depression 27.6% Fair or poor health 23.5% Poor mental health 19.7% Poor physical health 16.1% No health insurance 11.7% Visited doctor (checkup) 76.1% Visited dentist 50.0% Cholesterol screening 88.6% Teeth loss 22.4%
Veterans & disability
Veterans Count % Civilian veterans 75 13.9%
Disability % Any disability 35.8% Under 18 23.6% 18–64 years 34.8% 65 and over 55.5%
Health insurance coverage
Type % Private insurance 56.8% Public insurance 61.4% No insurance 3.9% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 617 88.3% 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) 694 99.3% Born in same state 688 98.4% Born in different state 415 59.4% Foreign born 6 0.9% Naturalized citizen 5 0.7% Not a US citizen 5 100.0%
Ancestry
Ancestry Count % Italian 120 17.2% Arab 82 11.7% French 49 7%
Ancestry Count % English 38 5.4% Irish 10 1.4% Dutch 6 0.9%
Technology access
Metric % of households Computer access 42.2% Internet access 75.6%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 40140
What city is ZIP code 40140 in?
ZIP code 40140 is primarily assigned to Garfield, Kentucky.
What county is ZIP code 40140 in?
ZIP code 40140 falls within Breckinridge County, Kentucky.
What is the poverty rate in ZIP code 40140?
47% of residents in ZIP code 40140 live below the poverty line, above the national average.
How educated is the population of ZIP code 40140?
3% 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 40140 have a large retiree population?
52% of households in ZIP code 40140 receive Social Security income, suggesting a significant retiree or disability population.
Is ZIP code 40140 mostly owner-occupied?
83% of occupied units in ZIP code 40140 are owner-occupied, well above the national average.
What timezone is ZIP code 40140 in?
ZIP code 40140 observes the CST timezone.
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