40445 ZIP Code — Livingston, KY

Rockcastle County, Kentucky

ZIP code 40445 is located in Livingston, Kentucky, within Rockcastle County. It covers approximately 48.87 square miles and serves a population of 926 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40445

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $82,000. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($23,621) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 51% of residents, above the national average. SNAP benefit usage at 42% of households reflects economic stress in the area. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is natural resources, construction, and trades, with arts, entertainment, and food service as the leading industry. The average commute of 27 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (32%) compared to national benchmarks.

Overall, ZIP code 40445 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.

926

population

48.87

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40445 ZIP code map

Cities in ZIP code 40445

Below are the cities the US Postal Service accepts for ZIP code 40445. Using any city not on this list may result in mail delivery delays.

City	Status
Livingston	Preferred

Nearby ZIP codes

40729 East Bernstadt (4.8 mi) 40456 Mount Vernon (5.9 mi) 40750 London (11.1 mi) 40409 Brodhead (12.3 mi) 40741 London (13.2 mi) 40402 Annville (13.7 mi) 40447 Mc Kee (13.7 mi) 40481 Sandgap (16.2 mi) 40419 Crab Orchard (17.5 mi) 40403 Berea (17.6 mi) 40404 Berea (18.7 mi) 42503 Somerset (19.2 mi)

Demographics updated 05/2026

Population
Total population	926
Population density	19 / sq mi
State FIPS	21
County FIPS	203

Geography
Land area	48.87 sq mi
Water area	0.46 sq mi
Latitude	37.3054
Longitude	-84.2190
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	79.3%	58.0%	47.9%
$50k – $100k	10.0%	28.6%	30.3%
$100k – $200k	10.7%	11.7%	17.6%
Over $200k	0.0%	1.6%	4.2%

Demographics & statistics

926

Population

People per sq mi

40.5

Median age

$23,621

Median household income

$22,212

Per capita income

$82,000

Median home value

$333

Median monthly rent

83.8%

Home ownership

50.9%

Poverty rate

10.8%

Unemployment

347

Housing units

8.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	223	24.1%
18 and over	703	75.9%
65 and over	169	18.3%
Median age	40.5 years

Race & ethnicity

White 100%

Group	Count	%
White	926	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	79.3%	58.0%	47.9%
$50k – $100k	10.0%	28.6%	30.3%
$100k – $200k	10.7%	11.7%	17.6%
Over $200k	0.0%	1.6%	4.2%

Under $10k 12.7%

$10k–$15k 26.1%

$15k–$25k 16.2%

$25k–$35k 0.3%

$35k–$50k 15.3%

$50k–$75k 15.3%

$75k–$100k 4.5%

$100k–$150k 3.5%

$200k+ 6.1%

Range	% of households
Under $10k	12.7%
$10k–$15k	26.1%
$15k–$25k	16.2%
$25k–$35k	0.3%
$35k–$50k	15.3%
$50k–$75k	15.3%
$75k–$100k	4.5%
$100k–$150k	3.5%
$200k+	6.1%
Median income	$23,621

Housing

Home values

Under $50k 39.2%

$50k–$100k 27.8%

$100k–$150k 17.1%

$150k–$200k 16.0%

Housing overview

Metric	Value
Median home value	$82,000
Median rent / month	$333
Owner occupied	83.8%
Renter occupied	16.2%
Vacant	21.1%
Single-family detached	77.9%
Large apartment buildings	0.0%
Mobile homes	17.1%
Median rooms	4.8
Avg household size (owned)	3.16

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	16.1%
1990–1999	5.5%
1980–1989	11.3%
1970–1979	25.9%
1960–1969	19.3%
1950–1959	10.3%
1940–1949	8.3%
1939 or earlier	3.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	10.6%
2 bedrooms	36.7%
3 bedrooms	44.7%
4 bedrooms	6.3%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	12.4%
1 vehicle	48.4%
2 vehicles	19.4%
3 or more	19.7%

Heating fuel

Fuel type	%
Utility gas	0.3%
Electricity	61.5%
Propane / LP gas	4.8%
Fuel oil	4.1%
Wood	21.0%

Households & families

Household type	Count	%
Married-couple family	179	57.0%
Cohabiting couple	5	1.6%
Male householder, no spouse	18	5.7%
Female householder, no spouse	112	35.7%
Households with children under 18	144	45.9%
Households with seniors (65+)	128	40.8%
Average household size	2.95

Marital status

Status	Male	Female
Never married	26.4%	19.8%
Married	67.5%	47.5%
Separated	2.3%	1.2%
Widowed	0.0%	10.6%
Divorced	3.9%	21.0%

Education

Less than 9th grade 8.5%

Some HS, no diploma 16.4%

HS graduate 47.8%

Some college, no degree 17.6%

Associate's degree 1.3%

Bachelor's degree 8.5%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	75.1%
Bachelor's or higher	8.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	134	65.7%
High school	42	20.6%
College / grad school	28	13.7%

Employment

Industry of employment

Arts, food & hospitality 24.5%

Retail trade 19.8%

Transportation & utilities 17.9%

Construction 13.9%

Agriculture & mining 9.9%

Public administration 5.9%

Education & healthcare 4.0%

Professional & management 2.9%

Manufacturing 1.1%

Occupation

Category	%
Management, business & arts	18.3%
Service	16.5%
Sales & office	20.5%
Natural resources & construction	22.3%
Production & transportation	22.3%

Employment type

Type	%
Private sector	74.4%
Government	8.4%
Self-employed	17.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.6%
Carpool	9.2%
Public transit	0.0%
Walk	5.9%
Work from home	4.0%
Other means	7.3%
Avg commute (minutes)	27.2

Poverty

All people 50.9%

Under 18 years 61.0%

18 and over 47.7%

Married-couple families 36.9%

Female-led households 59.4%

Income support

Source	% of households
Social Security	47.1%
Retirement income	1.3%
Supplemental Security	21.0%
Cash public assistance	2.9%
Food stamps / SNAP	42.0%

Health indicators

Condition	%
Obesity	43.1%
High blood pressure	45.8%
High cholesterol	39.6%
Diabetes	14.5%
Heart disease	9.2%
Stroke	4.6%
Asthma	12.6%
Arthritis	36.3%
Kidney disease	3.9%
Pulmonary disease	14.9%
Cancer	6.7%

Behavior / access	%
Smoking	32.3%
Binge drinking	14.1%
No physical activity	39.2%
Less than 7 hrs sleep	41.1%
Depression	28.7%
Fair or poor health	28.1%
Poor mental health	21.0%
Poor physical health	18.7%
No health insurance	13.6%
Visited doctor (checkup)	76.5%
Visited dentist	43.7%
Cholesterol screening	88.0%
Teeth loss	27.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	34	4.8%

Disability	%
Any disability	19.4%
Under 18	2.7%
18–64 years	14.8%
65 and over	56.2%

Health insurance coverage

Type	%
Private insurance	29.2%
Public insurance	75.9%
No insurance	4.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	879	94.9%
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)	926	100.0%
Born in same state	926	100.0%
Born in different state	823	88.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	184	19.9%
Arab	175	18.9%

Ancestry	Count	%
Italian	40	4.3%

Technology access

Metric	% of households
Computer access	33.9%
Internet access	80.9%

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

Frequently asked questions about ZIP code 40445

What city is ZIP code 40445 in?

ZIP code 40445 is primarily assigned to Livingston, Kentucky.

What county is ZIP code 40445 in?

ZIP code 40445 falls within Rockcastle County, Kentucky.

What is the poverty rate in ZIP code 40445?

51% of residents in ZIP code 40445 live below the poverty line, above the national average.

How educated is the population of ZIP code 40445?

9% 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 40445 have a large retiree population?

47% of households in ZIP code 40445 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 40445 mostly owner-occupied?

84% of occupied units in ZIP code 40445 are owner-occupied, well above the national average.

What timezone is ZIP code 40445 in?

ZIP code 40445 observes the EST timezone.