40740 ZIP Code — Lily, KY

Laurel County, Kentucky

ZIP code 40740 is located in Lily, Kentucky, within Laurel County. It covers approximately 15.12 square miles and serves a population of 4,017 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40740

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $119,000. Owner-occupancy sits near the national average at 56%.

Median household income is $58,260. Poverty affects 25% of residents, above the national average. SNAP benefit usage at 25% of households reflects economic stress in the area. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with retail trade as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (31%) compared to national benchmarks.

Overall, ZIP code 40740 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.

4,017

population

15.12

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40740 ZIP code map

Cities in ZIP code 40740

Below are the cities the US Postal Service accepts for ZIP code 40740. Using any city not on this list may result in mail delivery delays.

City	Status
Lily	Preferred

Nearby ZIP codes

40744 London (3.9 mi) 40737 Keavy (5.4 mi) 40734 Gray (7.2 mi) 40701 Corbin (7.9 mi) 40701 Corbin (7.9 mi) 40701 Corbin (7.9 mi) 40741 London (8.7 mi) 40771 Woodbine (9.2 mi) 40943 Girdler (11.2 mi) 40750 London (11.5 mi) 40923 Cannon (12.8 mi) 40949 Heidrick (12.9 mi)

Demographics updated 05/2026

Population
Total population	4,017
Population density	266 / sq mi
State FIPS	21
County FIPS	125

Geography
Land area	15.12 sq mi
Water area	0.15 sq mi
Latitude	37.0232
Longitude	-84.0459
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.6%	54.3%	47.9%
$50k – $100k	35.4%	29.4%	30.3%
$100k – $200k	10.7%	13.7%	17.6%
Over $200k	1.3%	2.6%	4.2%

Demographics & statistics

4,017

Population

266

People per sq mi

39.2

Median age

$58,260

Median household income

$20,465

Per capita income

$119,000

Median home value

$736

Median monthly rent

56.2%

Home ownership

25.1%

Poverty rate

2.2%

Unemployment

776

Housing units

10.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

180

5–9

187

110

10–14

114

203

15–19

212

134

20–24

140

171

25–34

178

288

35–44

299

359

45–54

374

167

55–59

173

115

60–64

120

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,130	28.1%
18 and over	2,887	71.9%
65 and over	305	7.6%
Median age	39.2 years

Race & ethnicity

White 96.8%

Two or more races 3.2%

Group	Count	%
White	3,888	96.8%
Two or more races	129	3.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.6%	54.3%	47.9%
$50k – $100k	35.4%	29.4%	30.3%
$100k – $200k	10.7%	13.7%	17.6%
Over $200k	1.3%	2.6%	4.2%

Under $10k 12.7%

$10k–$15k 4.2%

$15k–$25k 13.4%

$25k–$35k 8.4%

$35k–$50k 2.6%

$50k–$75k 27.3%

$75k–$100k 9.8%

$100k–$150k 18.2%

$150k–$200k 1.5%

$200k+ 1.7%

Range	% of households
Under $10k	12.7%
$10k–$15k	4.2%
$15k–$25k	13.4%
$25k–$35k	8.4%
$35k–$50k	2.6%
$50k–$75k	27.3%
$75k–$100k	9.8%
$100k–$150k	18.2%
$150k–$200k	1.5%
$200k+	1.7%
Median income	$58,260

Housing

Home values

Under $50k 16.6%

$50k–$100k 16.3%

$100k–$150k 41.2%

$150k–$200k 14.8%

$200k–$300k 8.5%

$300k–$500k 2.7%

Housing overview

Metric	Value
Median home value	$119,000
Median rent / month	$736
Owner occupied	56.2%
Renter occupied	43.8%
Vacant	2.4%
Single-family detached	57.5%
Large apartment buildings	0.0%
Mobile homes	41.7%
Median rooms	5.1
Avg household size (owned)	3.16

Year built

Era	%
2020 or later	1.7%
2010–2019	14.3%
2000–2009	15.1%
1990–1999	26.6%
1980–1989	15.5%
1970–1979	7.2%
1960–1969	5.3%
1950–1959	7.3%
1940–1949	3.0%
1939 or earlier	3.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.3%
2 bedrooms	31.7%
3 bedrooms	53.6%
4 bedrooms	9.1%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	8.0%
1 vehicle	30.4%
2 vehicles	34.7%
3 or more	26.8%

Heating fuel

Fuel type	%
Utility gas	4.2%
Electricity	79.4%
Propane / LP gas	5.1%
Fuel oil	7.5%
Wood	3.8%

Households & families

Household type	Count	%
Married-couple family	738	55.9%
Cohabiting couple	56	4.2%
Male householder, no spouse	178	13.5%
Female householder, no spouse	349	26.4%
Households with children under 18	600	45.4%
Households with seniors (65+)	176	13.3%
Average household size	3.04

Marital status

Status	Male	Female
Never married	40.1%	30.6%
Married	49.7%	44.5%
Separated	0.0%	6.6%
Widowed	2.2%	8.9%
Divorced	7.9%	9.3%

Education

Less than 9th grade 6.6%

Some HS, no diploma 18.5%

HS graduate 40.2%

Some college, no degree 20.4%

Associate's degree 3.5%

Bachelor's degree 5.0%

Graduate / professional 5.8%

Metric	%
HS diploma or higher	75.0%
Bachelor's or higher	10.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	62	5.9%
Kindergarten	30	2.9%
Elementary school	422	40.3%
High school	413	39.4%
College / grad school	120	11.5%

Employment

Industry of employment

Retail trade 39.9%

Education & healthcare 15.6%

Manufacturing 14.5%

Professional & management 7.5%

Transportation & utilities 5.7%

Construction 3.7%

Arts, food & hospitality 3.0%

Public administration 3.0%

Information 2.8%

Other services 1.9%

Finance & real estate 1.3%

Agriculture & mining 1.1%

Occupation

Category	%
Management, business & arts	16.2%
Service	11.3%
Sales & office	28.4%
Natural resources & construction	6.0%
Production & transportation	38.1%

Employment type

Type	%
Private sector	87.9%
Government	5.5%
Self-employed	6.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.5%
Carpool	21.8%
Public transit	0.0%
Walk	0.3%
Work from home	5.3%
Other means	0.1%
Avg commute (minutes)	22.5

Poverty

All people 25.1%

Under 18 years 30.4%

18 and over 23.0%

Married-couple families 11.0%

Female-led households 40.7%

Income support

Source	% of households
Social Security	37.4%
Retirement income	16.7%
Supplemental Security	18.0%
Cash public assistance	4.8%
Food stamps / SNAP	25.1%

Health indicators

Condition	%
Obesity	41.4%
High blood pressure	41.0%
High cholesterol	36.6%
Diabetes	12.5%
Heart disease	7.6%
Stroke	3.7%
Asthma	12.4%
Arthritis	32.6%
Kidney disease	3.2%
Pulmonary disease	12.4%
Cancer	5.9%

Behavior / access	%
Smoking	30.6%
Binge drinking	15.9%
No physical activity	35.8%
Less than 7 hrs sleep	40.7%
Depression	28.3%
Fair or poor health	24.6%
Poor mental health	20.7%
Poor physical health	16.4%
No health insurance	12.5%
Visited doctor (checkup)	74.8%
Visited dentist	46.1%
Cholesterol screening	87.3%
Teeth loss	23.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	54	1.9%

Disability	%
Any disability	17.4%
Under 18	5.9%
18–64 years	21.0%
65 and over	29.8%

Health insurance coverage

Type	%
Private insurance	39.5%
Public insurance	63.5%
No insurance	4.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,829	95.3%
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)	4,012	99.9%
Born in same state	4,012	99.9%
Born in different state	3,352	83.4%
Foreign born	0	0.0%
Naturalized citizen	5	0.1%
Not a US citizen	5	100.0%

Ancestry

Ancestry	Count	%
French	636	15.8%
Arab	425	10.6%
Italian	297	7.4%

Ancestry	Count	%
English	82	2%
Polish	12	0.3%

Technology access

Metric	% of households
Computer access	32.9%
Internet access	84.7%

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

Frequently asked questions about ZIP code 40740

What city is ZIP code 40740 in?

ZIP code 40740 is primarily assigned to Lily, Kentucky.

What county is ZIP code 40740 in?

ZIP code 40740 falls within Laurel County, Kentucky.

What is the poverty rate in ZIP code 40740?

25% of residents in ZIP code 40740 live below the poverty line, above the national average.

How educated is the population of ZIP code 40740?

11% 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 40740 have a large retiree population?

37% of households in ZIP code 40740 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 40740?

The median home value in ZIP code 40740 is $119,000.

What timezone is ZIP code 40740 in?

ZIP code 40740 observes the EST timezone.