Waco ZIP Codes — Madison County, KY

There is one unique ZIP code in Waco, Kentucky and it is 40385. Area code: 859/606.

ZIP codes

45.64

sq mi land

0.94

sq mi water

859/606

area code

Waco, KY ZIP code map

About Waco, KY

Waco, Kentucky is a quaint city located within Madison County. Known for its rural charm, the city embodies the serene lifestyle often found in central Kentucky. With its rich history and tight-knit community, Waco offers a unique glimpse into small-town Americana.

Location & geography

Waco is situated approximately 10 miles southeast of Richmond and 30 miles from Lexington, placing it conveniently near larger urban centers. The terrain features a mix of open lands and scenic views, with a total land area of 45.64 square miles and a water area of 0.94 square miles. This picturesque setting makes it a charming place for outdoor enthusiasts.

Community & economy

The character of Waco is defined by its friendly residents and strong community ties. The local economy is primarily driven by agriculture and small businesses, which contribute to the area's laid-back lifestyle. Daily life in Waco is intertwined with local events and social gatherings, creating a vibrant community atmosphere.

Transportation

Waco is easily accessible via the Kentucky Route 52, which connects it to neighboring towns and cities. For air travel, the nearest major airport is Blue Grass Airport in Lexington, approximately 30 miles away. The city's location allows for convenient commuting and travel to surrounding areas.

History

Waco was established in the early 19th century and has a rich agricultural history that has shaped its development over the years. The city grew during events like the construction of local railroads, which facilitated transport and trade in the area. Though it may not be widely known, Waco has been a quiet hub of activity with its own unique local culture.

Did you know?

One surprising fact about Waco is that it is home to the historic Waco Depot, which showcases the area's railroad heritage. Additionally, the city provides a serene escape with ample outdoor recreational opportunities, making it a hidden gem in Madison County.

ZIP codes for Waco, KY (1)

ZIP code	City	County	Map
40385	Waco	Madison	View map

Demographics & statistics

2,240

Population

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

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%
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	%
High blood pressure	39.5%
High cholesterol	38.1%
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	%
Binge drinking	15.3%
No physical activity	28.3%
Less than 7 hrs sleep	40.0%
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%
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

What ZIP codes does Waco, KY have?

Waco, KY has one ZIP code: 40385. Each ZIP code serves a distinct delivery area within the city and surrounding region.