41095 ZIP Code — Warsaw, KY

Gallatin County, Kentucky

ZIP code 41095 is located in Warsaw, Kentucky, within Gallatin County. It covers approximately 27.67 square miles and serves a population of 3,948 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 859.

About ZIP code 41095

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $143,000. Owner-occupancy sits near the national average at 55%.

Median household income is $53,571. Poverty affects 20% of residents, above the national average. 34% 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 25 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 (25%) compared to national benchmarks.

Overall, ZIP code 41095 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

3,948

population

27.67

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41095 ZIP code map

Cities in ZIP code 41095

Below are the cities the US Postal Service accepts for ZIP code 41095. Using any city not on this list may result in mail delivery delays.

City	Status
Warsaw	Acceptable
Warsaw	Preferred

Nearby ZIP codes

47038 Patriot (4.9 mi) 47020 Florence (5.1 mi) 41086 Sparta (5.4 mi) 41046 Glencoe (5.8 mi) 41052 Jonesville (9.1 mi) 41092 Verona (9.3 mi) 40355 New Liberty (10.5 mi) 47040 Rising Sun (10.6 mi) 41083 Sanders (11.4 mi) 41035 Dry Ridge (12.5 mi) 41091 Union (12.8 mi) 47043 Vevay (13 mi)

Demographics updated 05/2026

Population
Total population	3,948
Population density	143 / sq mi
State FIPS	21
County FIPS	077

Geography
Land area	27.67 sq mi
Water area	0.65 sq mi
Latitude	38.7713
Longitude	-84.8566
Timezone	Eastern (ET)
Area code	859

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.3%	47.1%	47.9%
$50k – $100k	36.0%	35.7%	30.3%
$100k – $200k	11.1%	15.7%	17.6%
Over $200k	0.6%	1.5%	4.2%

Demographics & statistics

3,948

Population

143

People per sq mi

35.3

Median age

$53,571

Median household income

$26,794

Per capita income

$143,000

Median home value

$739

Median monthly rent

55.2%

Home ownership

19.8%

Poverty rate

4.9%

Unemployment

1,050

Housing units

13.7%

Bachelor's or higher

Age distribution

Male Female

105

Under 5

117

5–9

100

141

10–14

120

165

15–19

141

190

20–24

162

342

25–34

293

226

35–44

193

258

45–54

220

180

55–59

155

106

60–64

183

65–74

157

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	817	20.7%
18 and over	3,131	79.3%
65 and over	554	14.0%
Median age	35.3 years

Race & ethnicity

White 76.3%

Hispanic or Latino 7.7%

Two or more races 6.6%

Black or African American 5.2%

Other race 4%

Asian 0.1%

Group	Count	%
White	3,265	76.3%
Hispanic or Latino	330	7.7%
Two or more races	282	6.6%
Black or African American	222	5.2%
Other race	173	4%
Asian	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.3%	47.1%	47.9%
$50k – $100k	36.0%	35.7%	30.3%
$100k – $200k	11.1%	15.7%	17.6%
Over $200k	0.6%	1.5%	4.2%

Under $10k 4.3%

$10k–$15k 4.4%

$15k–$25k 7.7%

$25k–$35k 13.1%

$35k–$50k 17.2%

$50k–$75k 20.6%

$75k–$100k 10.4%

$100k–$150k 16.4%

$150k–$200k 2.3%

$200k+ 3.7%

Range	% of households
Under $10k	4.3%
$10k–$15k	4.4%
$15k–$25k	7.7%
$25k–$35k	13.1%
$35k–$50k	17.2%
$50k–$75k	20.6%
$75k–$100k	10.4%
$100k–$150k	16.4%
$150k–$200k	2.3%
$200k+	3.7%
Median income	$53,571

Housing

Home values

Under $50k 12.6%

$50k–$100k 16.6%

$100k–$150k 24.3%

$150k–$200k 17.9%

$200k–$300k 21.3%

$300k–$500k 3.6%

$500k–$1M 0.8%

$1M+ 2.7%

Housing overview

Metric	Value
Median home value	$143,000
Median rent / month	$739
Owner occupied	55.2%
Renter occupied	44.8%
Vacant	16.8%
Single-family detached	50.9%
Large apartment buildings	4.3%
Mobile homes	23.8%
Median rooms	5.0
Avg household size (owned)	3.07

Year built

Era	%
2020 or later	1.6%
2010–2019	4.2%
2000–2009	10.0%
1990–1999	24.8%
1980–1989	16.8%
1970–1979	17.5%
1960–1969	5.7%
1950–1959	9.0%
1940–1949	4.4%
1939 or earlier	6.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	14.8%
2 bedrooms	33.3%
3 bedrooms	43.2%
4 bedrooms	6.5%
5+ bedrooms	0.3%

Vehicles per household

Vehicles	% of households
No vehicle	5.9%
1 vehicle	37.1%
2 vehicles	29.0%
3 or more	28.0%

Heating fuel

Fuel type	%
Utility gas	18.3%
Electricity	65.4%
Propane / LP gas	8.5%
Fuel oil	1.4%
Wood	6.0%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	564	40.5%
Cohabiting couple	107	7.7%
Male householder, no spouse	337	24.2%
Female householder, no spouse	386	27.7%
Households with children under 18	410	29.4%
Households with seniors (65+)	378	27.1%
Average household size	2.73

Marital status

Status	Male	Female
Never married	35.7%	26.2%
Married	43.9%	42.1%
Separated	2.5%	0.7%
Widowed	3.8%	16.9%
Divorced	14.1%	14.1%

Education

Less than 9th grade 4.4%

Some HS, no diploma 13.4%

HS graduate 44.4%

Some college, no degree 19.1%

Associate's degree 4.9%

Bachelor's degree 9.4%

Graduate / professional 4.4%

Metric	%
HS diploma or higher	82.2%
Bachelor's or higher	13.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	8	1.1%
Kindergarten	114	15.7%
Elementary school	290	40.1%
High school	199	27.5%
College / grad school	113	15.6%

Employment

Industry of employment

Manufacturing 19.8%

Education & healthcare 15.0%

Transportation & utilities 12.9%

Arts, food & hospitality 11.3%

Retail trade 9.5%

Construction 9.4%

Professional & management 5.9%

Other services 5.1%

Public administration 3.5%

Wholesale trade 3.0%

Finance & real estate 2.3%

Agriculture & mining 1.9%

Information 0.5%

Occupation

Category	%
Management, business & arts	15.8%
Service	24.9%
Sales & office	16.1%
Natural resources & construction	9.4%
Production & transportation	33.8%

Employment type

Type	%
Private sector	84.6%
Government	13.0%
Self-employed	1.1%
Unpaid family workers	1.4%

Commute

Method	%
Drive alone	78.9%
Carpool	16.3%
Public transit	0.0%
Walk	3.3%
Work from home	1.5%
Other means	0.0%
Avg commute (minutes)	25.3

Poverty

All people 19.8%

Under 18 years 30.4%

18 and over 17.1%

Married-couple families 5.1%

Female-led households 44.4%

Income support

Source	% of households
Social Security	34.3%
Retirement income	24.7%
Supplemental Security	8.1%
Cash public assistance	0.5%
Food stamps / SNAP	15.0%

Health indicators

Condition	%
Obesity	38.8%
High blood pressure	40.6%
High cholesterol	37.6%
Diabetes	12.3%
Heart disease	7.7%
Stroke	3.6%
Asthma	11.4%
Arthritis	31.9%
Kidney disease	3.2%
Pulmonary disease	11.0%
Cancer	6.6%

Behavior / access	%
Smoking	25.0%
Binge drinking	15.0%
No physical activity	34.0%
Less than 7 hrs sleep	38.8%
Depression	26.1%
Fair or poor health	22.3%
Poor mental health	18.9%
Poor physical health	15.0%
No health insurance	12.9%
Visited doctor (checkup)	74.9%
Visited dentist	51.4%
Cholesterol screening	88.8%
Teeth loss	20.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	195	6.2%

Disability	%
Any disability	20.6%
Under 18	9.9%
18–64 years	20.6%
65 and over	37.0%

Health insurance coverage

Type	%
Private insurance	51.1%
Public insurance	46.6%
No insurance	11.9%
Uninsured under 19	10.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,754	95.1%
Spanish	67	1.8%
Other Indo-European	44	1.2%
Asian & Pacific Islander	23	0.6%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,824	96.9%
Born in same state	3,791	96.0%
Born in different state	2,761	69.9%
Foreign born	33	0.8%
Naturalized citizen	124	3.1%
Not a US citizen	22	17.7%

Ancestry

Ancestry	Count	%
French	455	11.5%
Italian	354	9%

Ancestry	Count	%
Arab	212	5.4%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	91.2%

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

Frequently asked questions about ZIP code 41095

What city is ZIP code 41095 in?

ZIP code 41095 is primarily assigned to Warsaw, Kentucky.

What county is ZIP code 41095 in?

ZIP code 41095 falls within Gallatin County, Kentucky.

What is the poverty rate in ZIP code 41095?

20% of residents in ZIP code 41095 live below the poverty line, above the national average.

How educated is the population of ZIP code 41095?

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

What is the typical home value in ZIP code 41095?

The median home value in ZIP code 41095 is $143,000.

What is the population of ZIP code 41095?

ZIP code 41095 has an estimated population of 3,948 residents, with a density of 143 people per square mile.

What timezone is ZIP code 41095 in?

ZIP code 41095 observes the EST timezone.