Warsaw ZIP Codes — Gallatin County, KY

There is one unique ZIP code in Warsaw, Kentucky and it is 41095. Area code: 859.
1
ZIP codes
27.67
sq mi land
0.65
sq mi water
859
area code
Warsaw, KY ZIP code map

About Warsaw, KY

Warsaw, Kentucky is a charming city located in Gallatin County. This small community is infused with a rich history and a welcoming atmosphere, making it an attractive destination for both residents and visitors. The city embodies the warmth of small-town America, characterized by its friendly locals and picturesque landscapes.

Location & geography

Warsaw is situated in northern Kentucky, nestled along the banks of the Ohio River. It is conveniently located near several cities, including Florence, which is approximately 29 miles away, and Carrollton, which lies around 14 miles to the west. The city covers a total area of 27.67 square miles of land and has a water area of 0.65 square miles, contributing to its scenic riverside features.

Community & economy

The community of Warsaw boasts a friendly and close-knit feel, with a strong sense of pride among its residents. While maintaining a small-town charm, it supports various local businesses and industries that fuel the local economy. Daily life in Warsaw often revolves around community events, local gatherings, and outdoor activities that reflect its rural character.

Transportation

Warsaw is accessible via several major highways, including U.S. Route 42 and Interstate 71, which connects it to larger urban areas. The nearest commercial airport is Cincinnati/Northern Kentucky International Airport, located about 35 miles to the northwest. Public transportation options are limited, making personal vehicles the primary mode of transit.

History

Warsaw was founded in the early 19th century and has since evolved into an important commercial center in Gallatin County. Historically, the city thrived on agriculture and trade due to its strategic location along the Ohio River. Notable events in its history include the establishment of various local institutions that have contributed to its cultural heritage.

Did you know?

One surprising fact about Warsaw is that it was once considered for the state capital of Kentucky in the early days of its history. Today, it still retains historical architecture and landmarks that reflect its rich past.

ZIP codes for Warsaw, KY (1)
ZIP code City County Map
41095 Warsaw Gallatin View map

Demographics & statistics

3,948
Population
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
89
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
91
183
65–74
157
74
75–84
64
41
85+
35
← Male
Female →

Age summary

GroupCount%
Under 1881720.7%
18 and over3,13179.3%
65 and over55414.0%
Median age35.3 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%
GroupCount%
White3,26576.3%
Hispanic or Latino3307.7%
Two or more races2826.6%
Black or African American2225.2%
Other race1734%
Asian60.1%

Household income

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 $10k4.3%
$10k–$15k4.4%
$15k–$25k7.7%
$25k–$35k13.1%
$35k–$50k17.2%
$50k–$75k20.6%
$75k–$100k10.4%
$100k–$150k16.4%
$150k–$200k2.3%
$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

MetricValue
Median home value$143,000
Median rent / month$739
Owner occupied55.2%
Renter occupied44.8%
Vacant16.8%
Single-family detached50.9%
Large apartment buildings4.3%
Mobile homes23.8%
Median rooms5.0
Avg household size (owned)3.07

Year built

Era%
2020 or later1.6%
2010–20194.2%
2000–200910.0%
1990–199924.8%
1980–198916.8%
1970–197917.5%
1960–19695.7%
1950–19599.0%
1940–19494.4%
1939 or earlier6.2%

Bedrooms

Size% of units
No bedroom (studio)1.9%
1 bedroom14.8%
2 bedrooms33.3%
3 bedrooms43.2%
4 bedrooms6.5%
5+ bedrooms0.3%

Vehicles per household

Vehicles% of households
No vehicle5.9%
1 vehicle37.1%
2 vehicles29.0%
3 or more28.0%

Heating fuel

Fuel type%
Utility gas18.3%
Electricity65.4%
Propane / LP gas8.5%
Fuel oil1.4%
Wood6.0%
No fuel used0.4%

Households & families

Household typeCount%
Married-couple family56440.5%
Cohabiting couple1077.7%
Male householder, no spouse33724.2%
Female householder, no spouse38627.7%
Households with children under 1841029.4%
Households with seniors (65+)37827.1%
Average household size2.73

Marital status

StatusMaleFemale
Never married35.7%26.2%
Married43.9%42.1%
Separated2.5%0.7%
Widowed3.8%16.9%
Divorced14.1%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 higher82.2%
Bachelor's or higher13.7%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool81.1%
Kindergarten11415.7%
Elementary school29040.1%
High school19927.5%
College / grad school11315.6%

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 & arts15.8%
Service24.9%
Sales & office16.1%
Natural resources & construction9.4%
Production & transportation33.8%

Employment type

Type%
Private sector84.6%
Government13.0%
Self-employed1.1%
Unpaid family workers1.4%

Commute

Method%
Drive alone78.9%
Carpool16.3%
Public transit0.0%
Walk3.3%
Other means0.0%
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 Security34.3%
Retirement income24.7%
Supplemental Security8.1%
Cash public assistance0.5%
Food stamps / SNAP15.0%

Health indicators

Condition%
High blood pressure40.6%
High cholesterol37.6%
Heart disease7.7%
Stroke3.6%
Asthma11.4%
Arthritis31.9%
Kidney disease3.2%
Pulmonary disease11.0%
Cancer6.6%
Behavior / access%
Binge drinking15.0%
No physical activity34.0%
Less than 7 hrs sleep38.8%
Fair or poor health22.3%
Poor mental health18.9%
Poor physical health15.0%
No health insurance12.9%
Visited doctor (checkup)74.9%
Visited dentist51.4%
Cholesterol screening88.8%
Teeth loss20.7%

Veterans & disability

VeteransCount%
Civilian veterans1956.2%
Disability%
Any disability20.6%
Under 189.9%
18–64 years20.6%
65 and over37.0%

Health insurance coverage

Type%
Private insurance51.1%
Public insurance46.6%
Uninsured under 1910.7%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only3,75495.1%
Spanish671.8%
Other Indo-European441.2%
Asian & Pacific Islander230.6%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)3,82496.9%
Born in same state3,79196.0%
Born in different state2,76169.9%
Foreign born330.8%
Naturalized citizen1243.1%
Not a US citizen2217.7%

Ancestry

AncestryCount%
French45511.5%
Italian3549%
AncestryCount%
Arab2125.4%

Technology access

Metric% of households
Computer access35.3%
Internet access91.2%

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

Frequently asked questions
What ZIP codes does Warsaw, KY have?
Warsaw, KY has one ZIP code: 41095. Each ZIP code serves a distinct delivery area within the city and surrounding region.
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