ZIP Code 40484 — Stanford city, KY Demographics & Data

ZIP code 40484 covers Stanford, KY in Lincoln County with a population of about 12,517.

At a glance, the area shows median age of 43.1 versus a U.S. median of about 38.9.

It sits in telephone area code 606; U.S. House district KY-5; the LEXINGTON media market.

Median household income in ZIP 40484 is about $54,566 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.6%; unemployment rate near 7.1%; 17.5% of adults with a bachelor’s degree or higher (about 16.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 11.8% of workers reporting work-from-home (about 3.4 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 $154,200 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $540 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 74.3% (about 8.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40484 in Stanford, KY, a household would need roughly $42,000 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 $991. That sits below the local median household income ($54,566), 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 Stanford city, KY as Very Low (composite score 32.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (44.2) and hurricane (42.5). 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 Stanford city, KY show little to no average snow and around 47.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 467 for ZIP 40484 (Stanford 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.