ZIP Code 40175 — Vine Grove city, KY Demographics & Data

ZIP code 40175 covers Vine Grove, KY in Meade County with a population of about 16,283.

At a glance, the area shows median age of 36.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 270, 364; U.S. House district KY-2; the LOUISVILLE media market.

Vine Grove, KY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.0%) 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 40175 is about $75,156 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.7%; unemployment rate near 3.0%; 27.0% of adults with a bachelor’s degree or higher (about 6.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Public administration; about 7.9% of workers reporting work-from-home (about 7.3 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 $205,500 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,011 (about 13% below the U.S. median rent ($1,163)), and owner-occupancy near 75.8% (about 10.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40175 in Vine Grove, KY, a household would need roughly $57,000 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 $1,320. That sits below the local median household income ($75,156), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Vine Grove city, KY as Very Low (composite score 40.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (45.2) and hurricane (14.9). 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 Vine Grove city, KY show little to no average snow and around 51.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 608 for ZIP 40175 (Vine Grove 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.