40037 ZIP Code — Loretto, KY

Marion County, Kentucky

ZIP code 40037 is located in Loretto, Kentucky, within Marion County. It covers approximately 50.11 square miles and serves a population of 2,771 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 270/364.

About ZIP code 40037

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $183,900. Owner-occupancy is high at 91%, well above the national average.

Median household income is $58,750.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks.

Overall, ZIP code 40037 reflects a community defined by a trades-oriented workforce and high homeownership.

2,771

population

50.11

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40037 ZIP code map

Cities in ZIP code 40037

Below are the cities the US Postal Service accepts for ZIP code 40037. Using any city not on this list may result in mail delivery delays.

City	Status
Loretto	Preferred

Nearby ZIP codes

40052 New Hope (6.3 mi) 40060 Raywick (9 mi) 40004 Bardstown (10 mi) 40051 New Haven (10.6 mi) 40069 Springfield (11.2 mi) 40033 Lebanon (11.6 mi) 40107 Boston (15.2 mi) 42716 Buffalo (18.1 mi) 42748 Hodgenville (18.4 mi) 40040 Mackville (18.7 mi) 40008 Bloomfield (18.7 mi) 40078 Willisburg (18.9 mi)

Demographics updated 05/2026

Population
Total population	2,771
Population density	55 / sq mi
State FIPS	21
County FIPS	155

Geography
Land area	50.11 sq mi
Water area	0.65 sq mi
Latitude	37.6569
Longitude	-85.3995
Timezone	Eastern (ET)
Area code	270/364

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.4%	54.7%	47.9%
$50k – $100k	43.0%	30.8%	30.3%
$100k – $200k	11.4%	13.0%	17.6%
Over $200k	0.2%	1.5%	4.2%

Demographics & statistics

2,771

Population

People per sq mi

37.7

Median age

$58,750

Median household income

$28,382

Per capita income

$183,900

Median home value

$682

Median monthly rent

91.0%

Home ownership

11.6%

Poverty rate

1.2%

Unemployment

1,115

Housing units

13.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

102

10–14

103

15–19

20–24

165

25–34

165

212

35–44

213

162

45–54

163

55–59

103

60–64

103

150

65–74

150

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	701	25.3%
18 and over	2,070	74.7%
65 and over	440	15.9%
Median age	37.7 years

Race & ethnicity

White 98.9%

Two or more races 0.5%

American Indian / Alaska Native 0.4%

Black or African American 0.3%

Group	Count	%
White	2,740	98.9%
Two or more races	14	0.5%
American Indian / Alaska Native	10	0.4%
Black or African American	7	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.4%	54.7%	47.9%
$50k – $100k	43.0%	30.8%	30.3%
$100k – $200k	11.4%	13.0%	17.6%
Over $200k	0.2%	1.5%	4.2%

Under $10k 2.8%

$10k–$15k 3.9%

$15k–$25k 6.2%

$25k–$35k 19.7%

$35k–$50k 9.0%

$50k–$75k 16.6%

$75k–$100k 21.8%

$100k–$150k 10.1%

$150k–$200k 6.3%

$200k+ 3.7%

Range	% of households
Under $10k	2.8%
$10k–$15k	3.9%
$15k–$25k	6.2%
$25k–$35k	19.7%
$35k–$50k	9.0%
$50k–$75k	16.6%
$75k–$100k	21.8%
$100k–$150k	10.1%
$150k–$200k	6.3%
$200k+	3.7%
Median income	$58,750

Housing

Home values

Under $50k 9.7%

$50k–$100k 16.6%

$100k–$150k 11.9%

$150k–$200k 20.3%

$200k–$300k 24.1%

$300k–$500k 13.6%

$500k–$1M 3.8%

Housing overview

Metric	Value
Median home value	$183,900
Median rent / month	$682
Owner occupied	91.0%
Renter occupied	9.0%
Vacant	8.1%
Single-family detached	82.5%
Large apartment buildings	0.0%
Mobile homes	13.6%
Median rooms	6.0
Avg household size (owned)	2.57

Year built

Era	%
2020 or later	0.2%
2010–2019	9.5%
2000–2009	13.4%
1990–1999	13.5%
1980–1989	19.1%
1970–1979	13.6%
1960–1969	11.8%
1950–1959	8.9%
1940–1949	3.5%
1939 or earlier	6.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.6%
2 bedrooms	15.1%
3 bedrooms	68.2%
4 bedrooms	11.3%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.1%
1 vehicle	21.0%
2 vehicles	36.0%
3 or more	41.9%

Heating fuel

Fuel type	%
Utility gas	13.8%
Electricity	61.2%
Propane / LP gas	13.5%
Wood	9.8%
Solar	1.7%

Households & families

Household type	Count	%
Married-couple family	605	54.2%
Cohabiting couple	160	14.3%
Male householder, no spouse	139	12.4%
Female householder, no spouse	213	19.1%
Households with children under 18	363	32.5%
Households with seniors (65+)	317	28.4%
Average household size	2.48

Marital status

Status	Male	Female
Never married	31.7%	21.1%
Married	53.8%	59.3%
Separated	2.9%	1.0%
Widowed	2.1%	7.9%
Divorced	9.5%	10.7%

Education

Less than 9th grade 5.0%

Some HS, no diploma 7.1%

HS graduate 50.8%

Some college, no degree 13.1%

Associate's degree 10.3%

Bachelor's degree 7.2%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	87.9%
Bachelor's or higher	13.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	7	1.0%
Kindergarten	19	2.8%
Elementary school	333	48.3%
High school	175	25.4%
College / grad school	156	22.6%

Employment

Industry of employment

Education & healthcare 38.0%

Manufacturing 30.2%

Construction 8.5%

Transportation & utilities 6.7%

Retail trade 6.0%

Public administration 3.8%

Other services 2.8%

Agriculture & mining 2.0%

Finance & real estate 0.6%

Wholesale trade 0.5%

Arts, food & hospitality 0.5%

Professional & management 0.4%

Occupation

Category	%
Management, business & arts	29.9%
Service	16.0%
Sales & office	13.1%
Natural resources & construction	12.5%
Production & transportation	28.5%

Employment type

Type	%
Private sector	71.5%
Government	24.2%
Self-employed	4.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	91.4%
Carpool	5.1%
Public transit	0.0%
Walk	1.3%
Work from home	0.2%
Other means	2.1%
Avg commute (minutes)	26.5

Poverty

All people 11.6%

Under 18 years 10.6%

18 and over 11.9%

Married-couple families 6.1%

Female-led households 60.7%

Income support

Source	% of households
Social Security	29.9%
Retirement income	24.9%
Supplemental Security	5.2%
Cash public assistance	5.2%
Food stamps / SNAP	12.4%

Health indicators

Condition	%
Obesity	37.9%
High blood pressure	38.5%
High cholesterol	34.3%
Diabetes	11.1%
Heart disease	7.0%
Stroke	3.3%
Asthma	11.2%
Arthritis	29.9%
Kidney disease	2.9%
Pulmonary disease	10.3%
Cancer	6.0%

Behavior / access	%
Smoking	25.8%
Binge drinking	16.5%
No physical activity	31.9%
Less than 7 hrs sleep	39.6%
Depression	26.5%
Fair or poor health	20.4%
Poor mental health	19.1%
Poor physical health	14.0%
No health insurance	11.5%
Visited doctor (checkup)	74.5%
Visited dentist	52.1%
Cholesterol screening	88.0%
Teeth loss	20.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	98	4.7%

Disability	%
Any disability	12.0%
Under 18	1.9%
18–64 years	10.8%
65 and over	32.5%

Health insurance coverage

Type	%
Private insurance	70.3%
Public insurance	39.9%
No insurance	4.3%
Uninsured under 19	10.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,627	94.8%
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)	2,771	100.0%
Born in same state	2,768	99.9%
Born in different state	2,640	95.3%
Foreign born	3	0.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	551	19.9%
Italian	354	12.8%
Arab	260	9.4%

Ancestry	Count	%
German	24	0.9%
English	13	0.5%

Technology access

Metric	% of households
Computer access	40.3%
Internet access	88.9%

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

Frequently asked questions about ZIP code 40037

What city is ZIP code 40037 in?

ZIP code 40037 is primarily assigned to Loretto, Kentucky.

What county is ZIP code 40037 in?

ZIP code 40037 falls within Marion County, Kentucky.

Is ZIP code 40037 mostly owner-occupied?

91% of occupied units in ZIP code 40037 are owner-occupied, well above the national average.

How educated is the population of ZIP code 40037?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 40037?

The median home value in ZIP code 40037 is $183,900.

What is the population of ZIP code 40037?

ZIP code 40037 has an estimated population of 2,771 residents, with a density of 55 people per square mile.

What timezone is ZIP code 40037 in?

ZIP code 40037 observes the EST timezone.