40157 ZIP Code — Payneville, KY

Meade County, Kentucky

ZIP code 40157 is located in Payneville, Kentucky, within Meade County. It covers approximately 32.31 square miles and serves a population of 1,015 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 270/364.

About ZIP code 40157

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 $230,800. Owner-occupancy is high at 90%, well above the national average.

Median household income is $84,306.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 40157 reflects a community defined by a trades-oriented workforce, a strong veteran community, and high homeownership.

1,015

population

32.31

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40157 ZIP code map

Cities in ZIP code 40157

Below are the cities the US Postal Service accepts for ZIP code 40157. Using any city not on this list may result in mail delivery delays.

City	Status
Payneville	Preferred

Nearby ZIP codes

40161 Rhodelia (2.3 mi) 40176 Webster (5.2 mi) 40104 Battletown (6.6 mi) 47142 Mauckport (9.5 mi) 47525 Derby (9.7 mi) 40146 Irvington (11 mi) 40108 Brandenburg (11.3 mi) 40142 Guston (11.8 mi) 40170 Stephensport (11.8 mi) 47137 Leavenworth (12.4 mi) 47135 Laconia (15 mi) 40117 Ekron (15.2 mi)

Demographics updated 05/2026

Population
Total population	1,015
Population density	31 / sq mi
State FIPS	21
County FIPS	163

Geography
Land area	32.31 sq mi
Water area	0.16 sq mi
Latitude	38.0130
Longitude	-86.3683
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	35.9%	38.1%	47.9%
$50k – $100k	31.5%	37.4%	30.3%
$100k – $200k	32.6%	21.8%	17.6%
Over $200k	0.0%	2.7%	4.2%

Demographics & statistics

1,015

Population

People per sq mi

38.8

Median age

$84,306

Median household income

$34,353

Per capita income

$230,800

Median home value

Median monthly rent

89.6%

Home ownership

9.3%

Poverty rate

5.7%

Unemployment

378

Housing units

11.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

129

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	298	29.4%
18 and over	717	70.6%
65 and over	139	13.7%
Median age	38.8 years

Race & ethnicity

White 100%

Group	Count	%
White	1,015	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.9%	38.1%	47.9%
$50k – $100k	31.5%	37.4%	30.3%
$100k – $200k	32.6%	21.8%	17.6%
Over $200k	0.0%	2.7%	4.2%

$10k–$15k 8.2%

$15k–$25k 9.5%

$25k–$35k 4.9%

$35k–$50k 9.0%

$50k–$75k 15.0%

$75k–$100k 11.7%

$100k–$150k 15.8%

$150k–$200k 9.5%

$200k+ 16.3%

Range	% of households
$10k–$15k	8.2%
$15k–$25k	9.5%
$25k–$35k	4.9%
$35k–$50k	9.0%
$50k–$75k	15.0%
$75k–$100k	11.7%
$100k–$150k	15.8%
$150k–$200k	9.5%
$200k+	16.3%
Median income	$84,306

Housing

Home values

Under $50k 10.3%

$50k–$100k 3.0%

$100k–$150k 16.7%

$150k–$200k 7.0%

$200k–$300k 34.7%

$300k–$500k 28.3%

Housing overview

Metric	Value
Median home value	$230,800
Median rent / month	$0
Owner occupied	89.6%
Renter occupied	10.4%
Vacant	11.8%
Single-family detached	70.4%
Large apartment buildings	0.0%
Mobile homes	27.9%
Median rooms	6.1
Avg household size (owned)	2.89

Year built

Era	%
2020 or later	1.9%
2010–2019	10.1%
2000–2009	19.5%
1990–1999	18.5%
1980–1989	16.6%
1970–1979	6.0%
1960–1969	7.2%
1950–1959	4.8%
1940–1949	0.0%
1939 or earlier	15.4%

Bedrooms

Size	% of units
No bedroom (studio)	6.0%
1 bedroom	7.5%
2 bedrooms	26.2%
3 bedrooms	26.7%
4 bedrooms	17.5%
5+ bedrooms	16.1%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	15.8%
2 vehicles	36.8%
3 or more	43.3%

Heating fuel

Fuel type	%
Utility gas	4.6%
Electricity	41.7%
Propane / LP gas	40.6%
Wood	13.1%

Households & families

Household type	Count	%
Married-couple family	240	65.4%
Cohabiting couple	22	6.0%
Male householder, no spouse	74	20.2%
Female householder, no spouse	31	8.4%
Households with children under 18	149	40.6%
Households with seniors (65+)	88	24.0%
Average household size	2.77

Marital status

Status	Male	Female
Never married	35.3%	17.9%
Married	54.1%	68.9%
Separated	0.0%	2.5%
Widowed	4.4%	5.5%
Divorced	6.2%	5.2%

Education

Less than 9th grade 2.0%

Some HS, no diploma 8.1%

HS graduate 35.4%

Some college, no degree 24.0%

Associate's degree 18.7%

Bachelor's degree 4.5%

Graduate / professional 7.3%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	11.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	7	2.1%
Elementary school	188	55.5%
High school	65	19.2%
College / grad school	79	23.3%

Employment

Industry of employment

Manufacturing 27.3%

Education & healthcare 20.1%

Construction 12.0%

Public administration 11.3%

Other services 9.3%

Finance & real estate 6.0%

Retail trade 4.6%

Professional & management 4.2%

Arts, food & hospitality 2.3%

Wholesale trade 1.6%

Transportation & utilities 1.2%

Occupation

Category	%
Management, business & arts	42.4%
Service	11.8%
Sales & office	4.9%
Natural resources & construction	18.1%
Production & transportation	22.9%

Employment type

Type	%
Private sector	62.5%
Government	29.9%
Self-employed	7.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.8%
Carpool	4.4%
Public transit	2.3%
Walk	0.0%
Work from home	6.5%
Other means	0.0%
Avg commute (minutes)	36.2

Poverty

All people 9.3%

Under 18 years 3.7%

18 and over 11.6%

Married-couple families 0.0%

Female-led households 100.0%

Income support

Source	% of households
Social Security	29.2%
Retirement income	30.8%
Supplemental Security	4.4%
Cash public assistance	0.0%
Food stamps / SNAP	5.2%

Health indicators

Condition	%
Obesity	37.0%
High blood pressure	39.4%
High cholesterol	37.7%
Diabetes	10.6%
Heart disease	7.2%
Stroke	3.2%
Asthma	10.6%
Arthritis	30.1%
Kidney disease	2.9%
Pulmonary disease	9.5%
Cancer	6.6%

Behavior / access	%
Smoking	22.2%
Binge drinking	16.2%
No physical activity	29.0%
Less than 7 hrs sleep	38.4%
Depression	25.5%
Fair or poor health	18.3%
Poor mental health	17.7%
Poor physical health	13.1%
No health insurance	9.7%
Visited doctor (checkup)	75.8%
Visited dentist	55.6%
Cholesterol screening	89.8%
Teeth loss	17.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	103	14.4%

Disability	%
Any disability	16.3%
Under 18	6.0%
18–64 years	11.6%
65 and over	57.6%

Health insurance coverage

Type	%
Private insurance	87.2%
Public insurance	27.1%
No insurance	3.4%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	976	96.2%
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)	1,007	99.2%
Born in same state	1,007	99.2%
Born in different state	721	71.0%
Foreign born	0	0.0%
Naturalized citizen	8	0.8%
Not a US citizen	8	100.0%

Ancestry

Ancestry	Count	%
Arab	187	18.4%
French	166	16.4%

Ancestry	Count	%
Italian	161	15.9%
Polish	29	2.9%

Technology access

Metric	% of households
Computer access	36.2%
Internet access	94.8%

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

Frequently asked questions about ZIP code 40157

What city is ZIP code 40157 in?

ZIP code 40157 is primarily assigned to Payneville, Kentucky.

What county is ZIP code 40157 in?

ZIP code 40157 falls within Meade County, Kentucky.

Is ZIP code 40157 mostly owner-occupied?

90% of occupied units in ZIP code 40157 are owner-occupied, well above the national average.

How educated is the population of ZIP code 40157?

12% 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 40157 have a large veteran population?

14% of civilians in ZIP code 40157 are veterans, above the national average of ~7%.

What is the population of ZIP code 40157?

ZIP code 40157 has an estimated population of 1,015 residents, with a density of 31 people per square mile.

What timezone is ZIP code 40157 in?

ZIP code 40157 observes the EST timezone.