ZIP Code 40481 — undefined, KY Demographics & Data

ZIP code 40481 covers KY in Jackson County with a population of about 173.

At a glance, the area shows median age of 48.2 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.

On socioeconomic markers, US5 shows a poverty rate of 27.8%; unemployment rate near 0.0%; 18.0% of adults with a bachelor’s degree or higher (about 15.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Healthcare; about 13.8% of workers reporting work-from-home (about 1.4 points below the U.S. share (15.2%)); a mean commute of about 81.0 minutes (U.S. average near 26.8).

Median home value is about $128,400 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.3% (about 9.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40481 in KY, a household would need roughly $35,000 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 $825. 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 24.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (79.8) and flood (42.4). 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.

IRS migration statistics show a net inflow of about 6 for ZIP 40481 (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.