ZIP Code 40004 — Bardstown city, KY Demographics & Data

ZIP code 40004 covers Bardstown, KY in Nelson County with a population of about 30,345.

At a glance, the area shows median age of 40.5 versus a U.S. median of about 38.9.

It sits in telephone area code 502; U.S. House district KY-2; the LOUISVILLE media market.

Median household income in ZIP 40004 is about $64,222 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 3.5%; 24.7% of adults with a bachelor’s degree or higher (about 9.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 4.6% of workers reporting work-from-home (about 10.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $224,600 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $731 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 72.2% (about 6.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40004 in Bardstown, KY, a household would need roughly $62,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,443. That is roughly in line with the local median household income ($64,222). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Bardstown city, KY as Relatively Low (composite score 55.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (62.7) and hurricane (25.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Bardstown city, KY show little to no average snow and around 51.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,133 for ZIP 40004 (Bardstown city, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.