40385 ZIP Code — Waco, KY

Madison County, Kentucky

ZIP code 40385 is located in Waco, Kentucky, within Madison County. It covers approximately 45.64 square miles and serves a population of 2,240 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 859/606.

About ZIP code 40385

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 $158,200. Owner-occupancy is high at 79%, well above the national average.

Median household income is $55,893. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with public administration as the leading industry. The average commute of 26 minutes is near the national average.

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.

Overall, ZIP code 40385 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

2,240

population

45.64

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40385 ZIP code map

Cities in ZIP code 40385

Below are the cities the US Postal Service accepts for ZIP code 40385. Using any city not on this list may result in mail delivery delays.

City	Status
Waco	Acceptable
Waco	Preferred

Nearby ZIP codes

40475 Richmond (9.7 mi) 40336 Irvine (10.3 mi) 40403 Berea (12.7 mi) 40404 Berea (13.7 mi) 40312 Clay City (14.3 mi) 40391 Winchester (16.9 mi) 40461 Paint Lick (17.3 mi) 40481 Sandgap (17.7 mi)

Demographics updated 05/2026

Population
Total population	2,240
Population density	49 / sq mi
State FIPS	21
County FIPS	151

Geography
Land area	45.64 sq mi
Water area	0.94 sq mi
Latitude	37.7233
Longitude	-84.1407
Timezone	Eastern (ET)
Area code	859/606

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.1%	48.7%	47.9%
$50k – $100k	37.0%	30.4%	30.3%
$100k – $200k	14.8%	17.8%	17.6%
Over $200k	0.0%	3.1%	4.2%

Demographics & statistics

2,240

Population

People per sq mi

46.0

Median age

$55,893

Median household income

$24,875

Per capita income

$158,200

Median home value

$536

Median monthly rent

78.7%

Home ownership

15.0%

Poverty rate

2.2%

Unemployment

1,049

Housing units

11.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

169

35–44

175

154

45–54

160

55–59

102

60–64

197

65–74

204

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	526	23.5%
18 and over	1,714	76.5%
65 and over	455	20.3%
Median age	46.0 years

Race & ethnicity

White 100%

Group	Count	%
White	2,240	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.1%	48.7%	47.9%
$50k – $100k	37.0%	30.4%	30.3%
$100k – $200k	14.8%	17.8%	17.6%
Over $200k	0.0%	3.1%	4.2%

Under $10k 4.6%

$10k–$15k 6.3%

$15k–$25k 12.2%

$25k–$35k 5.2%

$35k–$50k 13.3%

$50k–$75k 25.5%

$75k–$100k 11.8%

$100k–$150k 15.2%

$150k–$200k 3.3%

$200k+ 2.6%

Range	% of households
Under $10k	4.6%
$10k–$15k	6.3%
$15k–$25k	12.2%
$25k–$35k	5.2%
$35k–$50k	13.3%
$50k–$75k	25.5%
$75k–$100k	11.8%
$100k–$150k	15.2%
$150k–$200k	3.3%
$200k+	2.6%
Median income	$55,893

Housing

Home values

Under $50k 22.9%

$50k–$100k 10.0%

$100k–$150k 9.0%

$150k–$200k 32.4%

$200k–$300k 8.2%

$300k–$500k 11.3%

$500k–$1M 6.2%

Housing overview

Metric	Value
Median home value	$158,200
Median rent / month	$536
Owner occupied	78.7%
Renter occupied	21.3%
Vacant	28.4%
Single-family detached	72.6%
Large apartment buildings	0.0%
Mobile homes	26.5%
Median rooms	6.0
Avg household size (owned)	2.52

Year built

Era	%
2020 or later	0.0%
2010–2019	8.6%
2000–2009	24.0%
1990–1999	16.4%
1980–1989	14.1%
1970–1979	19.5%
1960–1969	7.9%
1950–1959	4.1%
1940–1949	1.8%
1939 or earlier	3.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	4.0%
2 bedrooms	22.9%
3 bedrooms	62.8%
4 bedrooms	8.6%
5+ bedrooms	0.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.0%
1 vehicle	20.5%
2 vehicles	48.9%
3 or more	25.6%

Heating fuel

Fuel type	%
Utility gas	8.8%
Electricity	73.6%
Propane / LP gas	8.9%
Wood	7.4%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	525	59.2%
Cohabiting couple	38	4.3%
Male householder, no spouse	78	8.8%
Female householder, no spouse	246	27.7%
Households with children under 18	219	24.7%
Households with seniors (65+)	330	37.2%
Average household size	2.53

Marital status

Status	Male	Female
Never married	17.7%	8.1%
Married	60.0%	59.3%
Separated	0.0%	6.5%
Widowed	3.4%	15.5%
Divorced	18.9%	10.6%

Education

Less than 9th grade 9.1%

Some HS, no diploma 4.5%

HS graduate 53.6%

Some college, no degree 18.2%

Associate's degree 3.1%

Bachelor's degree 9.0%

Graduate / professional 2.5%

Metric	%
HS diploma or higher	86.4%
Bachelor's or higher	11.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	40	9.4%
Kindergarten	31	7.3%
Elementary school	298	70.3%
High school	30	7.1%
College / grad school	25	5.9%

Employment

Industry of employment

Public administration 26.0%

Education & healthcare 21.4%

Manufacturing 11.8%

Retail trade 10.1%

Professional & management 9.1%

Transportation & utilities 6.0%

Other services 4.9%

Construction 3.8%

Finance & real estate 3.6%

Arts, food & hospitality 3.3%

Occupation

Category	%
Management, business & arts	18.8%
Service	17.8%
Sales & office	35.5%
Natural resources & construction	6.2%
Production & transportation	21.7%

Employment type

Type	%
Private sector	53.7%
Government	40.6%
Self-employed	5.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.2%
Carpool	14.5%
Public transit	0.0%
Walk	0.0%
Work from home	5.3%
Other means	0.0%
Avg commute (minutes)	25.5

Poverty

All people 15.0%

Under 18 years 23.8%

18 and over 12.4%

Married-couple families 6.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	45.2%
Retirement income	28.4%
Supplemental Security	5.0%
Cash public assistance	1.1%
Food stamps / SNAP	10.1%

Health indicators

Condition	%
Obesity	36.0%
High blood pressure	39.5%
High cholesterol	38.1%
Diabetes	11.5%
Heart disease	7.6%
Stroke	3.4%
Asthma	11.1%
Arthritis	31.4%
Kidney disease	3.1%
Pulmonary disease	10.4%
Cancer	7.0%

Behavior / access	%
Smoking	22.4%
Binge drinking	15.3%
No physical activity	28.3%
Less than 7 hrs sleep	40.0%
Depression	25.9%
Fair or poor health	19.5%
Poor mental health	17.7%
Poor physical health	13.9%
No health insurance	9.9%
Visited doctor (checkup)	76.6%
Visited dentist	57.2%
Cholesterol screening	90.6%
Teeth loss	17.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	180	10.5%

Disability	%
Any disability	13.6%
Under 18	0.0%
18–64 years	18.5%
65 and over	15.8%

Health insurance coverage

Type	%
Private insurance	59.8%
Public insurance	48.9%
No insurance	5.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,072	92.5%
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)	2,219	99.1%
Born in same state	2,157	96.3%
Born in different state	1,761	78.6%
Foreign born	62	2.8%
Naturalized citizen	21	0.9%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	678	30.3%
Italian	172	7.7%

Ancestry	Count	%
French	76	3.4%

Technology access

Metric	% of households
Computer access	39.6%
Internet access	91.5%

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

Frequently asked questions about ZIP code 40385

What city is ZIP code 40385 in?

ZIP code 40385 is primarily assigned to Waco, Kentucky.

What county is ZIP code 40385 in?

ZIP code 40385 falls within Madison County, Kentucky.

How educated is the population of ZIP code 40385?

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 40385 have a large retiree population?

45% of households in ZIP code 40385 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 40385 have a large veteran population?

11% of civilians in ZIP code 40385 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 40385?

The median home value in ZIP code 40385 is $158,200.

What timezone is ZIP code 40385 in?

ZIP code 40385 observes the EST timezone.