ZIP Code 40456 — Mount Vernon city, KY Demographics & Data

ZIP code 40456 covers Mount Vernon, KY in Rockcastle County with a population of about 8,324.

At a glance, the area shows median age of 45.5 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 40456 is about $46,879 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.8%; unemployment rate near 5.7%; 17.4% of adults with a bachelor’s degree or higher (about 16.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 7.0% of workers reporting work-from-home (about 8.2 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 $140,600 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $484 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 73.1% (about 7.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40456 in Mount Vernon, KY, a household would need roughly $39,000 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 $903. That sits below the local median household income ($46,879), 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 Mount Vernon city, KY as Very Low (composite score 36.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (53.0) and wildfire (47.5). 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 Mount Vernon city, KY show little to no average snow and around 51.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 311 for ZIP 40456 (Mount Vernon 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.