40045 ZIP Code — Milton, KY

Trimble County, Kentucky

ZIP code 40045 is located in Milton, Kentucky, within Trimble County. It covers approximately 52.19 square miles and serves a population of 3,173 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.

About ZIP code 40045

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $151,000. Owner-occupancy is high at 87%, well above the national average.

Median household income is $70,481. The poverty rate of 5% is below the national average. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

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

College attainment at 15% 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 40045 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,173

population

52.19

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40045 ZIP code map

Cities in ZIP code 40045

Below are the cities the US Postal Service accepts for ZIP code 40045. Using any city not on this list may result in mail delivery delays.

City	Status
Milton	Acceptable
Milton	Preferred

Nearby ZIP codes

40006 Bedford (5.4 mi) 47243 Hanover (6 mi) 41008 Carrollton (9.3 mi) 47162 New Washington (9.9 mi) 47147 Nabb (10.5 mi) 47250 Madison (11.7 mi) 47138 Lexington (12 mi) 40055 Pendleton (12.3 mi) 40055 Pendleton (12.3 mi) 40077 Westport (12.5 mi) 40070 Sulphur (14.4 mi) 47141 Marysville (14.6 mi)

Demographics updated 05/2026

Population
Total population	3,173
Population density	61 / sq mi
State FIPS	21
County FIPS	223

Geography
Land area	52.19 sq mi
Water area	0.29 sq mi
Latitude	38.6660
Longitude	-85.3730
Timezone	Eastern (ET)
Area code	502

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.2%	48.5%	47.9%
$50k – $100k	22.3%	29.8%	30.3%
$100k – $200k	20.0%	18.7%	17.6%
Over $200k	2.6%	3.0%	4.2%

Demographics & statistics

3,173

Population

People per sq mi

43.6

Median age

$70,481

Median household income

$35,440

Per capita income

$151,000

Median home value

$862

Median monthly rent

87.4%

Home ownership

5.3%

Poverty rate

2.2%

Unemployment

1,369

Housing units

14.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

125

5–9

117

136

10–14

127

15–19

20–24

153

25–34

144

205

35–44

192

234

45–54

220

55–59

158

60–64

148

256

65–74

241

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	703	22.2%
18 and over	2,470	77.8%
65 and over	641	20.2%
Median age	43.6 years

Race & ethnicity

White 92.2%

Two or more races 3.2%

Hispanic or Latino 2.3%

Other race 1.1%

Native Hawaiian / Pacific Islander 0.5%

American Indian / Alaska Native 0.3%

Asian 0.2%

Black or African American 0.1%

Group	Count	%
White	2,994	92.2%
Two or more races	104	3.2%
Hispanic or Latino	76	2.3%
Other race	37	1.1%
Native Hawaiian / Pacific Islander	16	0.5%
American Indian / Alaska Native	11	0.3%
Asian	8	0.2%
Black or African American	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.2%	48.5%	47.9%
$50k – $100k	22.3%	29.8%	30.3%
$100k – $200k	20.0%	18.7%	17.6%
Over $200k	2.6%	3.0%	4.2%

Under $10k 1.7%

$10k–$15k 5.8%

$15k–$25k 11.8%

$25k–$35k 7.5%

$35k–$50k 9.8%

$50k–$75k 18.3%

$75k–$100k 14.7%

$100k–$150k 17.3%

$150k–$200k 4.4%

$200k+ 8.7%

Range	% of households
Under $10k	1.7%
$10k–$15k	5.8%
$15k–$25k	11.8%
$25k–$35k	7.5%
$35k–$50k	9.8%
$50k–$75k	18.3%
$75k–$100k	14.7%
$100k–$150k	17.3%
$150k–$200k	4.4%
$200k+	8.7%
Median income	$70,481

Housing

Home values

Under $50k 9.5%

$50k–$100k 15.4%

$100k–$150k 24.8%

$150k–$200k 10.8%

$200k–$300k 14.9%

$300k–$500k 17.0%

$500k–$1M 3.9%

$1M+ 3.7%

Housing overview

Metric	Value
Median home value	$151,000
Median rent / month	$862
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	16.3%
Single-family detached	68.3%
Large apartment buildings	0.0%
Mobile homes	28.9%
Median rooms	5.9
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.0%
2010–2019	9.2%
2000–2009	8.4%
1990–1999	14.7%
1980–1989	10.9%
1970–1979	22.3%
1960–1969	11.2%
1950–1959	10.5%
1940–1949	1.8%
1939 or earlier	11.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	22.0%
3 bedrooms	63.6%
4 bedrooms	10.3%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	28.6%
2 vehicles	46.5%
3 or more	22.0%

Heating fuel

Fuel type	%
Utility gas	16.8%
Electricity	56.2%
Propane / LP gas	20.4%
Fuel oil	3.1%
Wood	1.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	731	57.0%
Cohabiting couple	59	4.6%
Male householder, no spouse	209	16.3%
Female householder, no spouse	283	22.1%
Households with children under 18	281	21.9%
Households with seniors (65+)	481	37.5%
Average household size	2.48

Marital status

Status	Male	Female
Never married	27.2%	12.5%
Married	61.4%	62.4%
Separated	0.8%	2.7%
Widowed	2.4%	6.4%
Divorced	8.2%	16.1%

Education

Less than 9th grade 1.7%

Some HS, no diploma 5.0%

HS graduate 44.3%

Some college, no degree 13.8%

Associate's degree 20.5%

Bachelor's degree 9.2%

Graduate / professional 5.4%

Metric	%
HS diploma or higher	93.4%
Bachelor's or higher	14.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	2	0.3%
Kindergarten	0	0.0%
Elementary school	506	70.5%
High school	76	10.6%
College / grad school	134	18.7%

Employment

Industry of employment

Manufacturing 34.8%

Education & healthcare 19.1%

Retail trade 13.2%

Transportation & utilities 11.2%

Finance & real estate 6.5%

Construction 5.4%

Professional & management 3.1%

Arts, food & hospitality 2.8%

Other services 2.5%

Wholesale trade 0.7%

Agriculture & mining 0.6%

Public administration 0.2%

Occupation

Category	%
Management, business & arts	29.1%
Service	6.7%
Sales & office	20.9%
Natural resources & construction	16.2%
Production & transportation	27.1%

Employment type

Type	%
Private sector	86.9%
Government	6.9%
Self-employed	4.9%
Unpaid family workers	1.2%

Commute

Method	%
Drive alone	81.5%
Carpool	13.9%
Public transit	0.0%
Walk	0.0%
Work from home	4.5%
Other means	0.0%
Avg commute (minutes)	26.7

Poverty

All people 5.3%

Under 18 years 2.7%

18 and over 6.0%

Married-couple families 0.3%

Female-led households 25.8%

Income support

Source	% of households
Social Security	45.1%
Retirement income	25.7%
Supplemental Security	3.7%
Cash public assistance	0.4%
Food stamps / SNAP	4.6%

Health indicators

Condition	%
Obesity	37.6%
High blood pressure	40.1%
High cholesterol	37.3%
Diabetes	11.4%
Heart disease	7.4%
Stroke	3.3%
Asthma	10.9%
Arthritis	31.0%
Kidney disease	3.0%
Pulmonary disease	10.1%
Cancer	6.7%

Behavior / access	%
Smoking	23.7%
Binge drinking	16.0%
No physical activity	30.4%
Less than 7 hrs sleep	37.9%
Depression	25.3%
Fair or poor health	19.4%
Poor mental health	17.6%
Poor physical health	13.7%
No health insurance	10.7%
Visited doctor (checkup)	75.7%
Visited dentist	55.7%
Cholesterol screening	90.0%
Teeth loss	17.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	148	6.0%

Disability	%
Any disability	20.0%
Under 18	7.0%
18–64 years	15.0%
65 and over	48.5%

Health insurance coverage

Type	%
Private insurance	69.7%
Public insurance	39.4%
No insurance	4.3%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,075	96.9%
Spanish	20	0.7%
Other Indo-European	20	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,126	98.5%
Born in same state	3,119	98.3%
Born in different state	1,198	37.8%
Foreign born	7	0.2%
Naturalized citizen	47	1.5%
Not a US citizen	8	17.0%

Ancestry

Ancestry	Count	%
French	492	15.5%
Arab	469	14.8%
Italian	396	12.5%

Ancestry	Count	%
Polish	16	0.5%
Norwegian	10	0.3%
English	9	0.3%

Technology access

Metric	% of households
Computer access	40.4%
Internet access	88.1%

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

Frequently asked questions about ZIP code 40045

What city is ZIP code 40045 in?

ZIP code 40045 is primarily assigned to Milton, Kentucky.

What county is ZIP code 40045 in?

ZIP code 40045 falls within Trimble County, Kentucky.

Is ZIP code 40045 mostly owner-occupied?

87% of occupied units in ZIP code 40045 are owner-occupied, well above the national average.

Does ZIP code 40045 have a large retiree population?

45% of households in ZIP code 40045 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 40045?

15% 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 40045?

The median home value in ZIP code 40045 is $151,000.

What timezone is ZIP code 40045 in?

ZIP code 40045 observes the EST timezone.