Milton ZIP Codes — Trimble County, KY

There is one unique ZIP code in Milton, Kentucky and it is 40045. Area code: 502.

ZIP codes

52.19

sq mi land

0.29

sq mi water

502

area code

Milton, KY ZIP code map

About Milton, KY

Milton is a charming city located in the state of Kentucky, specifically within Trimble County. This small community offers a glimpse into the serene rural lifestyle that characterizes much of the region. With its picturesque landscapes and tranquil environment, Milton presents a welcoming atmosphere for residents and visitors alike.

Location & geography

Milton is situated in the northern part of Kentucky, along the banks of the Ohio River. The city is approximately 12 miles from Madison, Indiana, 18 miles from La Grange, Kentucky, 25 miles from Carrollton, Kentucky, and around 35 miles from Louisville, Kentucky. Encompassing a total land area of 52.19 square miles and a water area of 0.29 square miles, Milton features a mix of open spaces and waterways.

Community & economy

The character of Milton is deeply rooted in its close-knit community, where residents often engage in local events and activities. The economy is primarily based on agriculture and small businesses that cater to the local population. Daily life in Milton revolves around family, community gatherings, and the appreciation of the surrounding natural beauty.

Transportation

Milton is accessible via several local roads, with Kentucky Route 421 running through the area, providing connectivity to neighboring towns. The nearest major airport is Louisville International Airport, located about 35 miles to the south. Public transit options may be limited in this rural area, making personal vehicles the primary mode of transportation for residents.

History

Milton was founded as a small river town along the Ohio River, reflecting the historical significance of river transport in the region. Throughout its history, agriculture has played a key role in the local economy, supporting the community's growth and development. Notable events in Milton's history include its establishment as a trading post and its evolution into a quaint residential area.

Did you know?

A surprising fact about Milton is that it is home to several scenic spots popular for recreational activities, including fishing and hiking along the river. Additionally, the city’s historical roots as a trade hub contribute to its unique charm and sense of heritage.

ZIP codes for Milton, KY (1)

ZIP code	City	County	Map
40045	Milton	Trimble	View map

Demographics & statistics

3,173

Population

43.6

Median age

$70,481

Median household income

$35,440

Per capita income

$151,000

Median home value

$862

Median monthly rent

87.4%

Home ownership

5.3%

Poverty rate

2.2%

Unemployment

1,369

Housing units

14.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

125

5–9

117

136

10–14

127

15–19

20–24

153

25–34

144

205

35–44

192

234

45–54

220

55–59

158

60–64

148

256

65–74

241

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	703	22.2%
18 and over	2,470	77.8%
65 and over	641	20.2%
Median age	43.6 years

Race & ethnicity

White 92.2%

Two or more races 3.2%

Hispanic or Latino 2.3%

Other race 1.1%

Native Hawaiian / Pacific Islander 0.5%

American Indian / Alaska Native 0.3%

Asian 0.2%

Black or African American 0.1%

Group	Count	%
White	2,994	92.2%
Two or more races	104	3.2%
Hispanic or Latino	76	2.3%
Other race	37	1.1%
Native Hawaiian / Pacific Islander	16	0.5%
American Indian / Alaska Native	11	0.3%
Asian	8	0.2%
Black or African American	3	0.1%

Household income

Under $10k 1.7%

$10k–$15k 5.8%

$15k–$25k 11.8%

$25k–$35k 7.5%

$35k–$50k 9.8%

$50k–$75k 18.3%

$75k–$100k 14.7%

$100k–$150k 17.3%

$150k–$200k 4.4%

$200k+ 8.7%

Range	% of households
Under $10k	1.7%
$10k–$15k	5.8%
$15k–$25k	11.8%
$25k–$35k	7.5%
$35k–$50k	9.8%
$50k–$75k	18.3%
$75k–$100k	14.7%
$100k–$150k	17.3%
$150k–$200k	4.4%
$200k+	8.7%
Median income	$70,481

Housing

Home values

Under $50k 9.5%

$50k–$100k 15.4%

$100k–$150k 24.8%

$150k–$200k 10.8%

$200k–$300k 14.9%

$300k–$500k 17.0%

$500k–$1M 3.9%

$1M+ 3.7%

Housing overview

Metric	Value
Median home value	$151,000
Median rent / month	$862
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	16.3%
Single-family detached	68.3%
Large apartment buildings	0.0%
Mobile homes	28.9%
Median rooms	5.9
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.0%
2010–2019	9.2%
2000–2009	8.4%
1990–1999	14.7%
1980–1989	10.9%
1970–1979	22.3%
1960–1969	11.2%
1950–1959	10.5%
1940–1949	1.8%
1939 or earlier	11.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	22.0%
3 bedrooms	63.6%
4 bedrooms	10.3%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	28.6%
2 vehicles	46.5%
3 or more	22.0%

Heating fuel

Fuel type	%
Utility gas	16.8%
Electricity	56.2%
Propane / LP gas	20.4%
Fuel oil	3.1%
Wood	1.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	731	57.0%
Cohabiting couple	59	4.6%
Male householder, no spouse	209	16.3%
Female householder, no spouse	283	22.1%
Households with children under 18	281	21.9%
Households with seniors (65+)	481	37.5%
Average household size	2.48

Marital status

Status	Male	Female
Never married	27.2%	12.5%
Married	61.4%	62.4%
Separated	0.8%	2.7%
Widowed	2.4%	6.4%
Divorced	8.2%	16.1%

Education

Less than 9th grade 1.7%

Some HS, no diploma 5.0%

HS graduate 44.3%

Some college, no degree 13.8%

Associate's degree 20.5%

Bachelor's degree 9.2%

Graduate / professional 5.4%

Metric	%
HS diploma or higher	93.4%
Bachelor's or higher	14.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	2	0.3%
Kindergarten	0	0.0%
Elementary school	506	70.5%
High school	76	10.6%
College / grad school	134	18.7%

Employment

Industry of employment

Manufacturing 34.8%

Education & healthcare 19.1%

Retail trade 13.2%

Transportation & utilities 11.2%

Finance & real estate 6.5%

Construction 5.4%

Professional & management 3.1%

Arts, food & hospitality 2.8%

Other services 2.5%

Wholesale trade 0.7%

Agriculture & mining 0.6%

Public administration 0.2%

Occupation

Category	%
Management, business & arts	29.1%
Service	6.7%
Sales & office	20.9%
Natural resources & construction	16.2%
Production & transportation	27.1%

Employment type

Type	%
Private sector	86.9%
Government	6.9%
Self-employed	4.9%
Unpaid family workers	1.2%

Commute

Method	%
Drive alone	81.5%
Carpool	13.9%
Public transit	0.0%
Walk	0.0%
Other means	0.0%
Avg commute (minutes)	26.7

Poverty

All people 5.3%

Under 18 years 2.7%

18 and over 6.0%

Married-couple families 0.3%

Female-led households 25.8%

Income support

Source	% of households
Social Security	45.1%
Retirement income	25.7%
Supplemental Security	3.7%
Cash public assistance	0.4%
Food stamps / SNAP	4.6%

Health indicators

Condition	%
High blood pressure	40.1%
High cholesterol	37.3%
Heart disease	7.4%
Stroke	3.3%
Asthma	10.9%
Arthritis	31.0%
Kidney disease	3.0%
Pulmonary disease	10.1%
Cancer	6.7%

Behavior / access	%
Binge drinking	16.0%
No physical activity	30.4%
Less than 7 hrs sleep	37.9%
Fair or poor health	19.4%
Poor mental health	17.6%
Poor physical health	13.7%
No health insurance	10.7%
Visited doctor (checkup)	75.7%
Visited dentist	55.7%
Cholesterol screening	90.0%
Teeth loss	17.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	148	6.0%

Disability	%
Any disability	20.0%
Under 18	7.0%
18–64 years	15.0%
65 and over	48.5%

Health insurance coverage

Type	%
Private insurance	69.7%
Public insurance	39.4%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,075	96.9%
Spanish	20	0.7%
Other Indo-European	20	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,126	98.5%
Born in same state	3,119	98.3%
Born in different state	1,198	37.8%
Foreign born	7	0.2%
Naturalized citizen	47	1.5%
Not a US citizen	8	17.0%

Ancestry

Ancestry	Count	%
French	492	15.5%
Arab	469	14.8%
Italian	396	12.5%

Ancestry	Count	%
Polish	16	0.5%
Norwegian	10	0.3%
English	9	0.3%

Technology access

Metric	% of households
Computer access	40.4%
Internet access	88.1%

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

Frequently asked questions

What ZIP codes does Milton, KY have?

Milton, KY has one ZIP code: 40045. Each ZIP code serves a distinct delivery area within the city and surrounding region.