ZIP Code 41040 — Falmouth city, KY Demographics & Data

ZIP code 41040 covers Falmouth, KY in Pendleton County with a population of about 6,998.

At a glance, the area shows median age of 46.1 versus a U.S. median of about 38.9.

It sits in telephone area code 859; U.S. House district KY-4; the CINCINNATI media market.

Falmouth, KY reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). 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.

Median household income in ZIP 41040 is about $51,511 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.3%; unemployment rate near 5.3%; 13.5% of adults with a bachelor’s degree or higher (about 20.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Healthcare; about 5.2% of workers reporting work-from-home (about 10.0 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 $142,900 — about 59% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $615 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 71.5% (about 6.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41040 in Falmouth, 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 $918. That sits below the local median household income ($51,511), 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 Falmouth city, KY as Very Low (composite score 29.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (49.1) and hurricane (8.3). 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 Falmouth city, KY show little to no average snow and around 45.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 261 for ZIP 41040 (Falmouth 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.