ZIP Code 40357 — North Middletown city, KY Demographics & Data

ZIP code 40357 covers North Middletown, KY in Bourbon County with a population of about 94.

At a glance, the area shows median age of 39.5 (near the U.S. median).

It sits in telephone area code 859; U.S. House district KY-6; the LEXINGTON media market.

Median household income in ZIP 40357 is about $11,786 — about 84% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 78.7%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Transportation; about 23.1% of workers reporting work-from-home (about 7.9 points above the U.S. share (15.2%)); a mean commute of about 10.0 minutes (U.S. average near 26.8).

Median home value is about $95,000 — about 73% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $424 (about 64% below the U.S. median rent ($1,163)), and owner-occupancy near 22.5% (about 42.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40357 in North Middletown, KY, a household would need roughly $26,000 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 $610. That is about 121% above the local median household income ($11,786), 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 North Middletown city, KY as Very Low (composite score 39.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (53.8) and hurricane (42.7). 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 North Middletown city, KY show limited published climate normals on US5.

IRS migration statistics show a net inflow of about 4 for ZIP 40357 (North Middletown 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.