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Kentucky ZIP Codes
Whitley County
Siler, KY
40763
40763 ZIP Code — Siler, KY
Whitley County, Kentucky
ZIP code 40763 is located in
Siler ,
Kentucky ,
within Whitley County .
It covers approximately 26.10 square miles and serves a population of
438 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 606 .
About ZIP code 40763
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 $52,600. Owner-occupancy is high at 78%, well above the national average.
The gap between median ($23,095) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 49% of residents, above the national average. SNAP benefit usage at 43% of households reflects economic stress in the area. 68% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. Remote work is prevalent — 64% of workers work from home.
Health indicators show elevated rates of diabetes (17%), smoking (32%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%; and disability rates above the national average at 44%.
Overall, ZIP code 40763 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a high rate of remote workers, a significant Social Security-dependent population, and elevated reliance on food assistance.
40763 ZIP code map
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Cities in ZIP code 40763
Below are the cities the US Postal Service accepts for ZIP code 40763. Using any city not on this list may result in mail delivery delays.
City
Status
Siler
Preferred
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
438
Population density
17 / sq mi
State FIPS
21
County FIPS
235
Geography
Land area
26.10 sq mi
Water area
0.02 sq mi
Latitude
36.6946
Longitude
-83.9616
Timezone
Eastern (ET)
Area code
606
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
71.6%
57.0%
47.9%
$50k – $100k
25.1%
29.5%
30.3%
$100k – $200k
3.3%
11.5%
17.6%
Over $200k
0.0%
2.0%
4.2%
Demographics & statistics
$23,095
Median household income
Age distribution
Age summary
Group Count % Under 18 73 16.7% 18 and over 365 83.3% 65 and over 109 24.9% Median age 55.6 years
Race & ethnicity
Group Count % White 434 99.1% Two or more races 4 0.9%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
71.6%
57.0%
47.9%
$50k – $100k
25.1%
29.5%
30.3%
$100k – $200k
3.3%
11.5%
17.6%
Over $200k
0.0%
2.0%
4.2%
Range % of households $10k–$15k 25.5% $15k–$25k 32.5% $25k–$35k 11.5% $35k–$50k 2.0% $50k–$75k 23.5% $100k–$150k 3.0% $200k+ 2.0% Median income $23,095
Housing
Housing overview
Metric Value Median home value $52,600 Median rent / month $826 Owner occupied 77.5% Renter occupied 22.5% Vacant 29.8% Single-family detached 73.0% Large apartment buildings 0.0% Mobile homes 27.0% Median rooms 5.1 Avg household size (owned) 2.12
Year built
Era % 2020 or later 0.0% 2010–2019 12.6% 2000–2009 2.8% 1990–1999 10.2% 1980–1989 24.2% 1970–1979 10.5% 1960–1969 19.3% 1950–1959 14.0% 1940–1949 0.0% 1939 or earlier 6.3%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 11.2% 2 bedrooms 31.6% 3 bedrooms 28.1% 4 bedrooms 29.1% 5+ bedrooms 0.0%
Vehicles per household
Vehicles % of households No vehicle 14.0% 1 vehicle 26.5% 2 vehicles 20.5% 3 or more 39.0%
Heating fuel
Fuel type % Utility gas 6.5% Electricity 57.0% Propane / LP gas 2.0% Wood 7.0%
Households & families
Household type Count % Married-couple family 55 27.5% Cohabiting couple 8 4.0% Male householder, no spouse 33 16.5% Female householder, no spouse 104 52.0% Households with children under 18 51 25.5% Households with seniors (65+) 92 46.0% Average household size 2.19
Marital status
Status Male Female Never married 12.7% 5.3% Married 49.0% 32.7% Separated 0.0% 15.4% Widowed 11.5% 26.9% Divorced 26.8% 19.7%
Education
Less than 9th grade
11.0%
Some HS, no diploma
16.4%
Some college, no degree
4.6%
Graduate / professional
1.7%
Metric % HS diploma or higher 72.6% Bachelor's or higher 1.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 8 25.0% Elementary school 24 75.0% High school 0 0.0% College / grad school 0 0.0%
Employment
Industry of employment
Education & healthcare
54.5%
Transportation & utilities
18.2%
Professional & management
18.2%
Occupation
Category % Management, business & arts 45.5% Service 0.0% Sales & office 27.3% Natural resources & construction 9.1% Production & transportation 18.2%
Employment type
Type % Private sector 72.7% Government 9.1% Self-employed 18.2% Unpaid family workers 0.0%
Commute
Method % Drive alone 27.3% Carpool 9.1% Public transit 0.0% Walk 0.0% Work from home 63.6% Other means 0.0% Avg commute (minutes) 0.0
Poverty
Married-couple families
40.0%
Female-led households
60.8%
Income support
Source % of households Social Security 68.0% Retirement income 36.0% Supplemental Security 16.0% Cash public assistance 9.5% Food stamps / SNAP 42.5%
Health indicators
Condition % Obesity 40.6% High blood pressure 50.1% High cholesterol 41.5% Diabetes 16.8% Heart disease 11.0% Stroke 5.4% Asthma 12.9% Arthritis 39.6% Kidney disease 4.4% Pulmonary disease 16.8% Cancer 7.4%
Behavior / access % Smoking 31.6% Binge drinking 13.9% No physical activity 39.9% Less than 7 hrs sleep 40.3% Depression 28.2% Fair or poor health 30.5% Poor mental health 20.3% Poor physical health 20.1% No health insurance 12.9% Visited doctor (checkup) 77.9% Visited dentist 44.8% Cholesterol screening 88.5% Teeth loss 29.7%
Veterans & disability
Veterans Count % Civilian veterans 44 12.1%
Disability % Any disability 43.8% Under 18 11.0% 18–64 years 46.9% 65 and over 58.7%
Health insurance coverage
Type % Private insurance 21.9% Public insurance 90.6% No insurance 0.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 397 90.6% 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) 438 100.0% Born in same state 438 100.0% Born in different state 297 67.8% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Italian 73 16.7% French 33 7.5%
Ancestry Count % Arab 14 3.2%
Technology access
Metric % of households Computer access 45.7% Internet access 59.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 40763
What city is ZIP code 40763 in?
ZIP code 40763 is primarily assigned to Siler, Kentucky.
What county is ZIP code 40763 in?
ZIP code 40763 falls within Whitley County, Kentucky.
What is the poverty rate in ZIP code 40763?
49% of residents in ZIP code 40763 live below the poverty line, above the national average.
Does ZIP code 40763 have a large retiree population?
68% of households in ZIP code 40763 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 40763 have a large veteran population?
12% of civilians in ZIP code 40763 are veterans, above the national average of ~7%.
What is the median household income in ZIP code 40763?
The median household income in ZIP code 40763 is $23,095, below the national median of ~$75,000.
What timezone is ZIP code 40763 in?
ZIP code 40763 observes the EST timezone.
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