ZIP Code 40170 — undefined, KY Demographics & Data

ZIP code 40170 covers KY in Breckinridge County with a population of about 536.

At a glance, the area shows median age of 9.7 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.

KY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (22.3%) 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.

On socioeconomic markers, US5 shows a poverty rate of 71.8%; unemployment rate near 0.0%; 11.7% of adults with a bachelor’s degree or higher (about 22.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture and Manufacturing; a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $325,000 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 79.3% (about 13.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40170 in KY, a household would need roughly $89,000 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 $2,088. 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 49.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 40170 (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.