41086 ZIP Code — Sparta, KY

Gallatin County, Kentucky

ZIP code 41086 is located in Sparta, Kentucky, within Gallatin County. It covers approximately 48.01 square miles and serves a population of 1,982 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502/859.

About ZIP code 41086

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $123,400. Owner-occupancy is high at 81%, well above the national average.

Median household income is $48,073. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing 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 (27%) compared to national benchmarks.

Overall, ZIP code 41086 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,982

population

48.01

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41086 ZIP code map

Cities in ZIP code 41086

Below are the cities the US Postal Service accepts for ZIP code 41086. Using any city not on this list may result in mail delivery delays.

City	Status
Sparta	Preferred

Nearby ZIP codes

41046 Glencoe (4.3 mi) 40355 New Liberty (5.3 mi) 41095 Warsaw (5.4 mi) 41052 Jonesville (6.8 mi) 41083 Sanders (7 mi) 47020 Florence (9.1 mi) 47038 Patriot (10.2 mi) 41098 Worthville (11.1 mi) 41035 Dry Ridge (12.2 mi) 41092 Verona (13 mi) 47043 Vevay (13.6 mi) 40359 Owenton (14.3 mi)

Demographics updated 05/2026

Population
Total population	1,982
Population density	41 / sq mi
State FIPS	21
County FIPS	077

Geography
Land area	48.01 sq mi
Water area	0.39 sq mi
Latitude	38.6952
Longitude	-84.8789
Timezone	Eastern (ET)
Area code	502/859

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	47.1%	47.9%
$50k – $100k	35.1%	35.7%	30.3%
$100k – $200k	19.4%	15.7%	17.6%
Over $200k	3.6%	1.5%	4.2%

Demographics & statistics

1,982

Population

People per sq mi

42.7

Median age

$48,073

Median household income

$29,368

Per capita income

$123,400

Median home value

$848

Median monthly rent

80.6%

Home ownership

11.0%

Poverty rate

0.7%

Unemployment

807

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

120

35–44

124

125

45–54

130

109

55–59

113

60–64

114

65–74

118

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	483	24.4%
18 and over	1,499	75.6%
65 and over	295	14.9%
Median age	42.7 years

Race & ethnicity

White 69.2%

Hispanic or Latino 13.6%

Two or more races 12.5%

Other race 4.4%

Black or African American 0.3%

Group	Count	%
White	1,587	69.2%
Hispanic or Latino	311	13.6%
Two or more races	287	12.5%
Other race	102	4.4%
Black or African American	6	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	47.1%	47.9%
$50k – $100k	35.1%	35.7%	30.3%
$100k – $200k	19.4%	15.7%	17.6%
Over $200k	3.6%	1.5%	4.2%

Under $10k 5.6%

$10k–$15k 8.6%

$15k–$25k 7.9%

$25k–$35k 20.5%

$35k–$50k 9.7%

$50k–$75k 17.3%

$75k–$100k 7.8%

$100k–$150k 15.4%

$150k–$200k 0.6%

$200k+ 6.7%

Range	% of households
Under $10k	5.6%
$10k–$15k	8.6%
$15k–$25k	7.9%
$25k–$35k	20.5%
$35k–$50k	9.7%
$50k–$75k	17.3%
$75k–$100k	7.8%
$100k–$150k	15.4%
$150k–$200k	0.6%
$200k+	6.7%
Median income	$48,073

Housing

Home values

Under $50k 11.9%

$50k–$100k 32.6%

$100k–$150k 10.2%

$150k–$200k 10.1%

$200k–$300k 22.6%

$300k–$500k 9.2%

$500k–$1M 3.5%

Housing overview

Metric	Value
Median home value	$123,400
Median rent / month	$848
Owner occupied	80.6%
Renter occupied	19.4%
Vacant	14.7%
Single-family detached	61.5%
Large apartment buildings	0.0%
Mobile homes	28.4%
Median rooms	5.4
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.0%
2010–2019	7.9%
2000–2009	30.6%
1990–1999	30.6%
1980–1989	5.9%
1970–1979	5.8%
1960–1969	3.4%
1950–1959	2.9%
1940–1949	4.7%
1939 or earlier	8.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	2.7%
2 bedrooms	30.3%
3 bedrooms	39.8%
4 bedrooms	24.0%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.1%
1 vehicle	36.1%
2 vehicles	35.2%
3 or more	28.6%

Heating fuel

Fuel type	%
Utility gas	15.5%
Electricity	55.4%
Propane / LP gas	12.7%
Fuel oil	11.5%
Wood	4.8%

Households & families

Household type	Count	%
Married-couple family	468	56.7%
Cohabiting couple	18	2.2%
Male householder, no spouse	189	22.9%
Female householder, no spouse	150	18.2%
Households with children under 18	239	29.0%
Households with seniors (65+)	229	27.8%
Average household size	2.40

Marital status

Status	Male	Female
Never married	33.1%	22.1%
Married	51.5%	56.3%
Separated	0.0%	1.9%
Widowed	1.3%	8.7%
Divorced	14.2%	11.1%

Education

Less than 9th grade 4.0%

Some HS, no diploma 4.9%

HS graduate 52.1%

Some college, no degree 15.2%

Associate's degree 9.8%

Bachelor's degree 11.8%

Graduate / professional 2.2%

Metric	%
HS diploma or higher	91.1%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	5.2%
Kindergarten	10	2.3%
Elementary school	109	24.5%
High school	180	40.5%
College / grad school	122	27.5%

Employment

Industry of employment

Manufacturing 28.6%

Education & healthcare 15.1%

Other services 10.7%

Retail trade 8.0%

Transportation & utilities 7.5%

Construction 5.4%

Wholesale trade 4.9%

Finance & real estate 4.7%

Professional & management 4.4%

Public administration 4.2%

Agriculture & mining 3.4%

Arts, food & hospitality 2.3%

Information 0.8%

Occupation

Category	%
Management, business & arts	13.0%
Service	9.6%
Sales & office	25.0%
Natural resources & construction	23.0%
Production & transportation	29.5%

Employment type

Type	%
Private sector	72.6%
Government	13.0%
Self-employed	14.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.3%
Carpool	14.1%
Public transit	0.0%
Walk	9.0%
Work from home	1.3%
Other means	3.4%
Avg commute (minutes)	27.2

Poverty

All people 11.0%

Under 18 years 11.2%

18 and over 11.0%

Married-couple families 12.4%

Female-led households 23.1%

Income support

Source	% of households
Social Security	36.8%
Retirement income	14.2%
Supplemental Security	7.9%
Cash public assistance	2.1%
Food stamps / SNAP	9.5%

Health indicators

Condition	%
Obesity	39.8%
High blood pressure	40.6%
High cholesterol	37.1%
Diabetes	12.1%
Heart disease	7.4%
Stroke	3.4%
Asthma	11.6%
Arthritis	31.2%
Kidney disease	3.0%
Pulmonary disease	11.0%
Cancer	6.0%

Behavior / access	%
Smoking	26.9%
Binge drinking	15.9%
No physical activity	33.3%
Less than 7 hrs sleep	38.8%
Depression	26.9%
Fair or poor health	22.0%
Poor mental health	19.2%
Poor physical health	15.0%
No health insurance	12.1%
Visited doctor (checkup)	74.6%
Visited dentist	50.6%
Cholesterol screening	88.8%
Teeth loss	20.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	127	8.5%

Disability	%
Any disability	16.6%
Under 18	2.3%
18–64 years	9.9%
65 and over	67.8%

Health insurance coverage

Type	%
Private insurance	60.2%
Public insurance	43.3%
No insurance	7.6%
Uninsured under 19	6.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,794	90.5%
Spanish	6	0.3%
Other Indo-European	6	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,966	99.2%
Born in same state	1,953	98.5%
Born in different state	1,451	73.2%
Foreign born	13	0.7%
Naturalized citizen	16	0.8%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	525	26.5%
Arab	260	13.1%

Ancestry	Count	%
French	234	11.8%

Technology access

Metric	% of households
Computer access	41.6%
Internet access	78.9%

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

Frequently asked questions about ZIP code 41086

What city is ZIP code 41086 in?

ZIP code 41086 is primarily assigned to Sparta, Kentucky.

What county is ZIP code 41086 in?

ZIP code 41086 falls within Owen County, Kentucky.

How educated is the population of ZIP code 41086?

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

Is ZIP code 41086 mostly owner-occupied?

81% of occupied units in ZIP code 41086 are owner-occupied, well above the national average.

Does ZIP code 41086 have a large retiree population?

37% of households in ZIP code 41086 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 41086?

The median home value in ZIP code 41086 is $123,400.

What timezone is ZIP code 41086 in?

ZIP code 41086 observes the EST timezone.