40444 ZIP Code — Lancaster, KY

Garrard County, Kentucky

ZIP code 40444 is located in Lancaster, Kentucky, within Garrard County. It covers approximately 159.49 square miles and serves a population of 14,183 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 859.

About ZIP code 40444

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $173,800. Owner-occupancy is high at 81%, well above the national average.

Median household income is $56,894. 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. The average commute of 34 minutes is near the national average.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Overall, ZIP code 40444 reflects a community defined by high homeownership and a significant Social Security-dependent population.

14,183

population

159.49

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40444 ZIP code map

Cities in ZIP code 40444

Below are the cities the US Postal Service accepts for ZIP code 40444. Using any city not on this list may result in mail delivery delays.

City	Status
Lancaster	Preferred

Nearby ZIP codes

40461 Paint Lick (10.3 mi) 40422 Danville (12.7 mi) 40484 Stanford (12.8 mi) 40356 Nicholasville (13.1 mi) 40440 Junction City (15.7 mi) 40390 Wilmore (16.2 mi) 40390 Wilmore (16.2 mi) 40475 Richmond (16.5 mi) 40419 Crab Orchard (16.8 mi) 40404 Berea (17.4 mi) 40330 Harrodsburg (18.3 mi) 40515 Lexington (19 mi)

Demographics updated 05/2026

Population
Total population	14,183
Population density	89 / sq mi
State FIPS	21
County FIPS	079

Geography
Land area	159.49 sq mi
Water area	3.69 sq mi
Latitude	37.6766
Longitude	-84.5842
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	45.1%	44.4%	47.9%
$50k – $100k	33.5%	34.9%	30.3%
$100k – $200k	17.5%	17.2%	17.6%
Over $200k	3.8%	3.5%	4.2%

Demographics & statistics

14,183

Population

People per sq mi

43.2

Median age

$56,894

Median household income

$31,021

Per capita income

$173,800

Median home value

$830

Median monthly rent

81.2%

Home ownership

14.7%

Poverty rate

5.7%

Unemployment

5,101

Housing units

20.5%

Bachelor's or higher

Age distribution

Male Female

337

Under 5

366

401

5–9

436

453

10–14

492

443

15–19

483

309

20–24

336

845

25–34

920

758

35–44

824

911

45–54

991

511

55–59

555

540

60–64

588

738

65–74

804

374

75–84

408

172

85+

188

← Male

Female →

Age summary

Group	Count	%
Under 18	3,087	21.8%
18 and over	11,096	78.2%
65 and over	2,684	18.9%
Median age	43.2 years

Race & ethnicity

White 88.6%

Two or more races 3.4%

Hispanic or Latino 3.3%

Black or African American 2.7%

Other race 1.8%

American Indian / Alaska Native 0.2%

Group	Count	%
White	12,999	88.6%
Two or more races	494	3.4%
Hispanic or Latino	487	3.3%
Black or African American	400	2.7%
Other race	264	1.8%
American Indian / Alaska Native	26	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.1%	44.4%	47.9%
$50k – $100k	33.5%	34.9%	30.3%
$100k – $200k	17.5%	17.2%	17.6%
Over $200k	3.8%	3.5%	4.2%

Under $10k 4.3%

$10k–$15k 4.8%

$15k–$25k 11.3%

$25k–$35k 8.8%

$35k–$50k 15.2%

$50k–$75k 17.0%

$75k–$100k 10.5%

$100k–$150k 17.4%

$150k–$200k 6.6%

$200k+ 4.3%

Range	% of households
Under $10k	4.3%
$10k–$15k	4.8%
$15k–$25k	11.3%
$25k–$35k	8.8%
$35k–$50k	15.2%
$50k–$75k	17.0%
$75k–$100k	10.5%
$100k–$150k	17.4%
$150k–$200k	6.6%
$200k+	4.3%
Median income	$56,894

Housing

Home values

Under $50k 7.5%

$50k–$100k 13.5%

$100k–$150k 15.8%

$150k–$200k 20.7%

$200k–$300k 24.9%

$300k–$500k 14.0%

$500k–$1M 3.4%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$173,800
Median rent / month	$830
Owner occupied	81.2%
Renter occupied	18.8%
Vacant	11.9%
Single-family detached	83.7%
Large apartment buildings	0.1%
Mobile homes	9.8%
Median rooms	5.8
Avg household size (owned)	2.58

Year built

Era	%
2020 or later	2.2%
2010–2019	5.9%
2000–2009	19.1%
1990–1999	18.4%
1980–1989	9.2%
1970–1979	16.6%
1960–1969	11.7%
1950–1959	5.7%
1940–1949	1.7%
1939 or earlier	9.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	5.8%
2 bedrooms	19.7%
3 bedrooms	52.7%
4 bedrooms	18.6%
5+ bedrooms	2.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	24.6%
2 vehicles	37.3%
3 or more	33.0%

Heating fuel

Fuel type	%
Utility gas	16.0%
Electricity	71.2%
Propane / LP gas	5.8%
Fuel oil	1.9%
Wood	4.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	3,003	55.7%
Cohabiting couple	183	3.4%
Male householder, no spouse	961	17.8%
Female householder, no spouse	1,245	23.1%
Households with children under 18	1,775	32.9%
Households with seniors (65+)	1,794	33.3%
Average household size	2.61

Marital status

Status	Male	Female
Never married	27.0%	20.2%
Married	58.6%	52.7%
Separated	1.5%	2.0%
Widowed	3.1%	10.3%
Divorced	9.7%	14.8%

Education

Less than 9th grade 3.8%

Some HS, no diploma 9.8%

HS graduate 36.5%

Some college, no degree 20.7%

Associate's degree 8.7%

Bachelor's degree 9.7%

Graduate / professional 10.8%

Metric	%
HS diploma or higher	86.4%
Bachelor's or higher	20.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	155	5.5%
Kindergarten	188	6.7%
Elementary school	1,300	46.5%
High school	841	30.1%
College / grad school	314	11.2%

Employment

Industry of employment

Education & healthcare 25.0%

Manufacturing 12.6%

Professional & management 9.8%

Retail trade 9.2%

Construction 8.9%

Other services 6.5%

Public administration 5.1%

Transportation & utilities 4.9%

Arts, food & hospitality 4.9%

Agriculture & mining 4.8%

Wholesale trade 4.4%

Finance & real estate 2.9%

Information 1.1%

Occupation

Category	%
Management, business & arts	29.8%
Service	18.9%
Sales & office	21.7%
Natural resources & construction	11.4%
Production & transportation	18.2%

Employment type

Type	%
Private sector	75.1%
Government	18.1%
Self-employed	6.4%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	79.7%
Carpool	9.6%
Public transit	0.0%
Walk	0.1%
Work from home	10.6%
Other means	0.0%
Avg commute (minutes)	34.3

Poverty

All people 14.7%

Under 18 years 22.9%

18 and over 12.5%

Married-couple families 5.9%

Female-led households 35.5%

Income support

Source	% of households
Social Security	38.6%
Retirement income	25.1%
Supplemental Security	7.1%
Cash public assistance	1.4%
Food stamps / SNAP	13.8%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	41.6%
High cholesterol	37.7%
Diabetes	12.6%
Heart disease	8.0%
Stroke	3.7%
Asthma	11.3%
Arthritis	32.4%
Kidney disease	3.3%
Pulmonary disease	11.2%
Cancer	6.9%

Behavior / access	%
Smoking	24.3%
Binge drinking	15.0%
No physical activity	32.6%
Less than 7 hrs sleep	37.8%
Depression	25.9%
Fair or poor health	21.6%
Poor mental health	18.2%
Poor physical health	14.8%
No health insurance	11.2%
Visited doctor (checkup)	76.6%
Visited dentist	51.6%
Cholesterol screening	90.0%
Teeth loss	20.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,144	10.3%

Disability	%
Any disability	16.2%
Under 18	3.2%
18–64 years	15.6%
65 and over	33.6%

Health insurance coverage

Type	%
Private insurance	61.5%
Public insurance	48.4%
No insurance	6.9%
Uninsured under 19	4.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	13,480	95.0%
Spanish	229	1.7%
Other Indo-European	23	0.2%
Asian & Pacific Islander	189	1.4%
Other languages	17	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,720	96.7%
Born in same state	13,712	96.7%
Born in different state	11,229	79.2%
Foreign born	8	0.1%
Naturalized citizen	463	3.3%
Not a US citizen	178	38.4%

Ancestry

Ancestry	Count	%
Arab	4,969	35%
French	1,812	12.8%
Italian	926	6.5%
Polish	34	0.2%

Ancestry	Count	%
Norwegian	32	0.2%
English	29	0.2%
Dutch	24	0.2%
Irish	15	0.1%

Technology access

Metric	% of households
Computer access	38.0%
Internet access	89.4%

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

Frequently asked questions about ZIP code 40444

What city is ZIP code 40444 in?

ZIP code 40444 is primarily assigned to Lancaster, Kentucky.

What county is ZIP code 40444 in?

ZIP code 40444 falls within Garrard County, Kentucky.

Is ZIP code 40444 mostly owner-occupied?

81% of occupied units in ZIP code 40444 are owner-occupied, well above the national average.

Does ZIP code 40444 have a large retiree population?

39% of households in ZIP code 40444 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 40444 have a large veteran population?

10% of civilians in ZIP code 40444 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 40444?

The median home value in ZIP code 40444 is $173,800.

What timezone is ZIP code 40444 in?

ZIP code 40444 observes the EST timezone.