ZIP Code 40020 — Fairfield city, KY Demographics & Data

ZIP code 40020 covers Fairfield, KY in Nelson County with a population of about 197.

At a glance, the area shows median age of 59.9 versus a U.S. median of about 38.9.

It sits in telephone area code 502; U.S. House district KY-4; the LOUISVILLE media market.

Fairfield, KY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (25.1%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 40020 is about $87,951 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.0%; unemployment rate near 3.6%; 6.5% of adults with a bachelor’s degree or higher (about 27.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Real estate, and Education; about 1.9% of workers reporting work-from-home (about 13.3 points below the U.S. share (15.2%)); a mean commute of about 52.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 89.8% (about 24.4 points above the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Fairfield 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 Fairfield city, KY show little to no average snow and around 52.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 40020 (Fairfield 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.