ZIP Code 40040 — Mackville city, KY Demographics & Data

ZIP code 40040 covers Mackville, KY in Washington County with a population of about 703.

At a glance, the area shows median age of 44.1 versus a U.S. median of about 38.9.

It sits in telephone area code 859; U.S. House district KY-1; the LOUISVILLE media market.

Median household income in ZIP 40040 is about $26,369 — about 65% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 44.0%; unemployment rate near 7.4%; 11.3% of adults with a bachelor’s degree or higher (about 22.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Construction; about 1.3% of workers reporting work-from-home (about 13.9 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 $143,900 — about 59% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $754 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40040 in Mackville, KY, a household would need roughly $40,000 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 $924. That is about 52% above the local median household income ($26,369), so the median earner would likely stretch or need a larger down payment. 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 Mackville city, KY as Very Low (composite score 16.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (27.8) and hurricane (25.8). 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 Mackville 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 26 for ZIP 40040 (Mackville 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.