Garfield ZIP Codes — Breckinridge County, KY

There is one unique ZIP code in Garfield, Kentucky and it is 40140. Area code: 270/364.

ZIP codes

26.97

sq mi land

0.09

sq mi water

270/364

area code

Garfield, KY ZIP code map

About Garfield, KY

Garfield is a small, charming city located in the state of Kentucky. As a part of Breckinridge County, it offers a peaceful, rural lifestyle with a close-knit community feel. The city is known for its picturesque landscapes and welcoming atmosphere.

Location & geography

Garfield is situated in the western part of Kentucky, providing easy access to the surrounding natural beauty. Nearby cities include Hardinsburg, which is approximately 10 miles away, Cloverport at around 12 miles, and Harned and Irvington, both within a similar distance. The total land area of Garfield measures 26.97 square miles, with a negligible water area of 0.09 square miles, contributing to its largely terrestrial landscape.

Community & economy

The character of Garfield is defined by its friendly residents and communal spirit, where many community events are held throughout the year to foster neighborhood connections. The local economy is primarily supported by agriculture and small businesses, creating a thriving regional marketplace. Daily life here reflects the simplicity and tranquility of rural living, with opportunities for outdoor activities and engagement in local traditions.

Transportation

Garfield is accessible via several highways, including U.S. Route 60, which connects the city to larger urban centers in the region. The nearest major airport is in Owensboro, approximately 30 miles away, providing additional travel options for residents. Public transit options may be limited due to the rural setting, but local roads are well-maintained for easy transportation.

History

Garfield has a rich history that reflects the development of rural communities in Kentucky. The city emerged primarily as an agricultural hub, nurturing the local economy and attracting families to settle in the area. Notable events in Garfield's development include the establishment of various local businesses that have supported the community over the decades.

Did you know?

One surprising fact about Garfield is its commitment to preserving local traditions and heritage, often celebrated through annual festivals. Additionally, the area is known for its scenic rural landscapes that attract visitors looking for a peaceful retreat from city life.

ZIP codes for Garfield, KY (1)

ZIP code	City	County	Map
40140	Garfield	Breckinridge	View map

Demographics & statistics

699

Population

38.3

Median age

Median household income

$19,862

Per capita income

$53,200

Median home value

$909

Median monthly rent

83.1%

Home ownership

46.9%

Poverty rate

15.7%

Unemployment

321

Housing units

3.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	161	23.0%
18 and over	538	77.0%
65 and over	119	17.0%
Median age	38.3 years

Race & ethnicity

White 89.1%

Black or African American 9%

Two or more races 1.9%

Group	Count	%
White	623	89.1%
Black or African American	63	9%
Two or more races	13	1.9%

Household income

Under $10k 12.9%

$10k–$15k 24.1%

$15k–$25k 12.5%

$35k–$50k 8.1%

$50k–$75k 15.3%

$75k–$100k 15.3%

$100k–$150k 8.5%

$150k–$200k 3.4%

Range	% of households
Under $10k	12.9%
$10k–$15k	24.1%
$15k–$25k	12.5%
$35k–$50k	8.1%
$50k–$75k	15.3%
$75k–$100k	15.3%
$100k–$150k	8.5%
$150k–$200k	3.4%
Median income	$0

Housing

Home values

Under $50k 48.2%

$50k–$100k 22.0%

$100k–$150k 4.1%

$150k–$200k 12.7%

$200k–$300k 8.2%

$1M+ 4.9%

Housing overview

Metric	Value
Median home value	$53,200
Median rent / month	$909
Owner occupied	83.1%
Renter occupied	16.9%
Vacant	20.5%
Single-family detached	44.7%
Large apartment buildings	0.0%
Mobile homes	55.3%
Median rooms	5.2
Avg household size (owned)	2.13

Year built

Era	%
2020 or later	0.0%
2010–2019	7.8%
2000–2009	29.4%
1990–1999	19.7%
1980–1989	0.0%
1970–1979	12.4%
1960–1969	16.7%
1950–1959	0.0%
1940–1949	14.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.0%
2 bedrooms	32.3%
3 bedrooms	60.6%
4 bedrooms	4.0%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	47.5%
2 vehicles	29.5%
3 or more	23.1%

Heating fuel

Fuel type	%
Utility gas	4.1%
Electricity	50.5%
Propane / LP gas	25.8%
Fuel oil	2.4%
Wood	15.6%

Households & families

Household type	Count	%
Married-couple family	84	28.5%
Cohabiting couple	74	25.1%
Male householder, no spouse	49	16.6%
Female householder, no spouse	88	29.8%
Households with children under 18	86	29.2%
Households with seniors (65+)	106	35.9%
Average household size	2.37

Marital status

Status	Male	Female
Never married	41.6%	9.9%
Married	31.3%	38.8%
Separated	0.0%	6.2%
Widowed	8.1%	24.0%
Divorced	19.0%	21.1%

Education

Less than 9th grade 4.2%

Some HS, no diploma 5.9%

HS graduate 58.9%

Some college, no degree 26.4%

Associate's degree 1.3%

Bachelor's degree 2.1%

Graduate / professional 1.3%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	3.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	65	66.3%
High school	11	11.2%
College / grad school	22	22.4%

Employment

Industry of employment

Manufacturing 51.1%

Retail trade 17.0%

Public administration 8.2%

Finance & real estate 6.0%

Education & healthcare 6.0%

Other services 4.4%

Professional & management 3.8%

Transportation & utilities 3.3%

Occupation

Category	%
Management, business & arts	2.2%
Service	24.2%
Sales & office	30.8%
Natural resources & construction	1.6%
Production & transportation	41.2%

Employment type

Type	%
Private sector	85.7%
Government	10.4%
Self-employed	3.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	94.3%
Carpool	5.7%
Public transit	0.0%
Walk	0.0%
Other means	0.0%
Avg commute (minutes)	35.0

Poverty

All people 46.9%

Under 18 years 67.7%

18 and over 40.7%

Married-couple families 23.8%

Female-led households 91.2%

Income support

Source	% of households
Social Security	51.5%
Retirement income	24.7%
Supplemental Security	12.2%
Cash public assistance	7.5%
Food stamps / SNAP	25.1%

Health indicators

Condition	%
High blood pressure	41.9%
High cholesterol	38.0%
Heart disease	8.3%
Stroke	3.9%
Asthma	11.9%
Arthritis	32.9%
Kidney disease	3.4%
Pulmonary disease	12.3%
Cancer	6.4%

Behavior / access	%
Binge drinking	15.4%
No physical activity	34.5%
Less than 7 hrs sleep	39.2%
Fair or poor health	23.5%
Poor mental health	19.7%
Poor physical health	16.1%
No health insurance	11.7%
Visited doctor (checkup)	76.1%
Visited dentist	50.0%
Cholesterol screening	88.6%
Teeth loss	22.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	75	13.9%

Disability	%
Any disability	35.8%
Under 18	23.6%
18–64 years	34.8%
65 and over	55.5%

Health insurance coverage

Type	%
Private insurance	56.8%
Public insurance	61.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	617	88.3%
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)	694	99.3%
Born in same state	688	98.4%
Born in different state	415	59.4%
Foreign born	6	0.9%
Naturalized citizen	5	0.7%
Not a US citizen	5	100.0%

Ancestry

Ancestry	Count	%
Italian	120	17.2%
Arab	82	11.7%
French	49	7%

Ancestry	Count	%
English	38	5.4%
Irish	10	1.4%
Dutch	6	0.9%

Technology access

Metric	% of households
Computer access	42.2%
Internet access	75.6%

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

Frequently asked questions

What ZIP codes does Garfield, KY have?

Garfield, KY has one ZIP code: 40140. Each ZIP code serves a distinct delivery area within the city and surrounding region.