40170 ZIP Code — Stephensport, KY

Breckinridge County, Kentucky

ZIP code 40170 is located in Stephensport, Kentucky, within Breckinridge County. It covers approximately 22.88 square miles and serves a population of 951 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 40170

The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $287,500. Owner-occupancy is high at 90%, well above the national average.

Median household income is $53,681. Poverty affects 65% of residents, above the national average. 68% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry.

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 (26%) compared to national benchmarks. 66% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 20% of civilians, above the national average of 7%; and Spanish spoken in 39% of households.

Overall, ZIP code 40170 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

951

population

22.88

sq mi land

Standard

ZIP type

Central (CT)

timezone

40170 ZIP code map

Cities in ZIP code 40170

Below are the cities the US Postal Service accepts for ZIP code 40170. Using any city not on this list may result in mail delivery delays.

City	Status
Stephensport	Preferred

Nearby ZIP codes

40111 Cloverport (7.2 mi) 47520 Cannelton (7.7 mi) 40143 Hardinsburg (7.7 mi) 40176 Webster (8.9 mi) 40161 Rhodelia (9.5 mi) 47525 Derby (9.7 mi) 40146 Irvington (10.9 mi) 40157 Payneville (11.8 mi) 47586 Tell City (12.4 mi) 42348 Hawesville (13.1 mi) 40144 Harned (15.5 mi) 47588 Troy (15.7 mi)

Demographics updated 05/2026

Population
Total population	951
Population density	42 / sq mi
State FIPS	21
County FIPS	027

Geography
Land area	22.88 sq mi
Water area	0.34 sq mi
Latitude	37.8985
Longitude	-86.5293
Timezone	Central (CT)
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	29.3%	52.7%	47.9%
$50k – $100k	49.7%	29.8%	30.3%
$100k – $200k	21.0%	15.3%	17.6%
Over $200k	0.0%	2.2%	4.2%

Demographics & statistics

951

Population

People per sq mi

11.9

Median age

$53,681

Median household income

$12,069

Per capita income

$287,500

Median home value

Median monthly rent

89.8%

Home ownership

65.4%

Poverty rate

0.0%

Unemployment

177

Housing units

12.4%

Bachelor's or higher

Age distribution

Male Female

167

Under 5

117

5–9

10–14

20–24

25–34

35–44

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	527	55.4%
18 and over	424	44.6%
65 and over	226	23.8%
Median age	11.9 years

Race & ethnicity

White 100%

Group	Count	%
White	951	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.3%	52.7%	47.9%
$50k – $100k	49.7%	29.8%	30.3%
$100k – $200k	21.0%	15.3%	17.6%
Over $200k	0.0%	2.2%	4.2%

$15k–$25k 41.6%

$35k–$50k 4.1%

$50k–$75k 34.5%

$75k–$100k 10.2%

$100k–$150k 4.6%

$150k–$200k 5.1%

Range	% of households
$15k–$25k	41.6%
$35k–$50k	4.1%
$50k–$75k	34.5%
$75k–$100k	10.2%
$100k–$150k	4.6%
$150k–$200k	5.1%
Median income	$53,681

Housing

Home values

Under $50k 9.6%

$50k–$100k 5.1%

$100k–$150k 22.6%

$200k–$300k 16.9%

$300k–$500k 45.8%

Housing overview

Metric	Value
Median home value	$287,500
Median rent / month	$0
Owner occupied	89.8%
Renter occupied	10.2%
Vacant	0.0%
Single-family detached	100.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.6
Avg household size (owned)	5.26

Year built

Era	%
2020 or later	0.0%
2010–2019	27.9%
2000–2009	19.3%
1990–1999	3.6%
1980–1989	10.2%
1970–1979	19.3%
1960–1969	4.6%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	15.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	27.9%
3 bedrooms	54.3%
4 bedrooms	13.7%
5+ bedrooms	4.1%

Vehicles per household

Vehicles	% of households
No vehicle	33.0%
1 vehicle	22.8%
2 vehicles	23.9%
3 or more	20.3%

Heating fuel

Fuel type	%
Utility gas	15.2%
Electricity	24.4%
Propane / LP gas	18.8%
Wood	41.6%

Households & families

Household type	Count	%
Married-couple family	122	61.9%
Cohabiting couple	40	20.3%
Male householder, no spouse	27	13.7%
Female householder, no spouse	8	4.1%
Households with children under 18	55	27.9%
Households with seniors (65+)	123	62.4%
Average household size	4.83

Marital status

Status	Male	Female
Never married	20.7%	7.4%
Married	51.0%	64.4%
Separated	0.0%	0.0%
Widowed	7.7%	4.9%
Divorced	20.7%	23.3%

Education

Less than 9th grade 29.9%

Some HS, no diploma 13.1%

HS graduate 37.9%

Some college, no degree 2.4%

Associate's degree 4.4%

Bachelor's degree 12.4%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	57.0%
Bachelor's or higher	12.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	215	100.0%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Agriculture & mining 46.5%

Manufacturing 45.9%

Other services 7.5%

Occupation

Category	%
Management, business & arts	46.5%
Service	7.5%
Sales & office	0.0%
Natural resources & construction	0.0%
Production & transportation	45.9%

Employment type

Type	%
Private sector	87.4%
Government	0.0%
Self-employed	12.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	60.4%
Carpool	34.6%
Public transit	0.0%
Walk	5.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	0.0

Poverty

All people 65.4%

Under 18 years 100.0%

18 and over 22.4%

Married-couple families 45.1%

Female-led households 0.0%

Income support

Source	% of households
Social Security	67.5%
Retirement income	38.6%
Supplemental Security	15.2%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	38.8%
High blood pressure	42.0%
High cholesterol	37.9%
Diabetes	13.0%
Heart disease	8.8%
Stroke	4.0%
Asthma	11.4%
Arthritis	32.3%
Kidney disease	3.4%
Pulmonary disease	12.1%
Cancer	6.5%

Behavior / access	%
Smoking	26.3%
Binge drinking	15.9%
No physical activity	34.1%
Less than 7 hrs sleep	38.2%
Depression	26.6%
Fair or poor health	23.2%
Poor mental health	19.1%
Poor physical health	15.6%
No health insurance	11.8%
Visited doctor (checkup)	76.0%
Visited dentist	50.0%
Cholesterol screening	87.7%
Teeth loss	21.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	85	20.0%

Disability	%
Any disability	11.6%
Under 18	0.0%
18–64 years	9.1%
65 and over	40.7%

Health insurance coverage

Type	%
Private insurance	23.1%
Public insurance	24.6%
No insurance	66.4%
Uninsured under 19	100.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	698	73.4%
Spanish	274	39.3%
Other Indo-European	0	0.0%
Asian & Pacific Islander	274	39.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	951	100.0%
Born in same state	951	100.0%
Born in different state	449	47.2%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	718	75.5%

Ancestry	Count	%
Italian	143	15%

Technology access

Metric	% of households
Computer access	20.7%
Internet access	49.2%

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

Frequently asked questions about ZIP code 40170

What city is ZIP code 40170 in?

ZIP code 40170 is primarily assigned to Stephensport, Kentucky.

What county is ZIP code 40170 in?

ZIP code 40170 falls within Breckinridge County, Kentucky.

What is the poverty rate in ZIP code 40170?

65% of residents in ZIP code 40170 live below the poverty line, above the national average.

Is ZIP code 40170 family-oriented?

55% of residents in ZIP code 40170 are under 18, reflecting a younger, family-oriented community.

Does ZIP code 40170 have a large retiree population?

68% of households in ZIP code 40170 receive Social Security income, suggesting a significant retiree or disability population.

Is Spanish widely spoken in ZIP code 40170?

Approximately 39% of households in ZIP code 40170 speak Spanish as a primary language.

What timezone is ZIP code 40170 in?

ZIP code 40170 observes the CST timezone.