ZIP Code 40178 — undefined, KY Demographics & Data

ZIP code 40178 covers KY in Breckinridge County with a population of about 319.

At a glance, the area shows median age of 52.8 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.

Median household income in ZIP 40178 is about $54,432 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 0.0%; 20.9% of adults with a bachelor’s degree or higher (about 12.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Retail trade; about 7.8% of workers reporting work-from-home (about 7.4 points below the U.S. share (15.2%)); a mean commute of about 118.0 minutes (U.S. average near 26.8).

Median home value is about $103,800 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40178 in KY, a household would need roughly $29,000 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 $667. That sits below the local median household income ($54,432), 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 KY as Very Low (composite score 39.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (49.0) and hurricane (30.8). 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 KY show little to no average snow and around 52.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 12 for ZIP 40178 (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.