40403 Zip Code Detailed Profile




Cities: Berea, KY (13.43%), Richmond, KY (1.45%)
Counties: Madison County, KY (74.88%), Garrard County, KY (16.64%), Rockcastle County, KY (8.48%)
Estimated zip code population in 2013: 24,471
Zip code population in 2010: 23,774
Zip code population in 2000: 20,845

Houses and condos: 10,118
Renter-occupied apartments: 2,863
% of renters here:

32%
State:

33%
Mar. 2013 cost of living index in zip code 40403: 84.5 (less than average, U.S. average is 100)

Land area: 114.3 sq. mi.
Water area: 0.6 sq. mi.
Population density: 214 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 40403
Zip code 40403 (Berea, Kentucky) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 40403

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Real estate property taxes paid for housing units in 2013:
This zip code:

0.8% ($1,009)
Kentucky:

0.8% ($1,022)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,120 (0.9%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $759 (0.7%)

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Males: 11,975  (48.9%)
Females: 12,496  (51.1%)

For population 25 years and over in 40403:

For population 15 years and over in 40403:

Zip code 40403 compared to state average:

  • Black race population percentage significantly below state average.
  • Hispanic race population percentage below state average.
  • Foreign-born population percentage below state average.
  • House age below state average.
  • Races in zip code 40403

  • Zip code 40403 races chart
    • 22,145White population
    • 490Black population
    • 76American Indian population
    • 170Asian population
    • 8Native Hawaiian and Other Pacific Islander population
    • 28Some other race population
    • 371Two or more races population
    • 486Hispanic or Latino population

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Urban population: 13,371
Rural population: 11,099

Estimated median house/condo value in 2013: $120,000
40403:

$120,000
Kentucky:

$120,900



According to our research of Kentucky and other state lists there was 1 registered sex offender living in 40403 zip code as of February 06, 2016.
The ratio of number of residents in zip code 40403 to the number of sex offenders is 23,633 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is a lot smaller than the state average.


Median resident age:
This zip code:

36.2 years
Kentucky median age:

38.5 years
Average household size:
This zip code:

2.6 people
Kentucky:

2.5 people

Averages for the 2012 tax year for zip code 40403, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $43,768 (Individual Income Tax Returns)
Here:

$43,768
State:

$50,814

Salary/wage: $39,440 (reported on 85.7% of returns)
Here:

$39,440
State:

$42,723
(% of AGI for various income ranges: 75.7% for AGIs below $25k, 81.9% for AGIs $25k-50k, 83.6% for AGIs $50k-75k, 81.5% for AGIs $75k-100k, 76.2% for AGIs $100k-200k, 41.1% for AGIs over 200k)

Taxable interest for individuals: $996 (reported on 25.0% of returns)
This zip code:

$996
Kentucky:

$1,381
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.6% for AGIs $100k-200k, 1.3% for AGIs over 200k)

Ordinary dividends: $3,191 (reported on 9.5% of returns)
Here:

$3,191
State:

$6,239
(% of AGI for various income ranges: 0.6% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 2.1% for AGIs over 200k)

Net capital gain/loss in AGI: +$5,526 (reported on 8.9% of returns)
Here:

+$5,526
State:

+$11,336
(% of AGI for various income ranges: 0.4% for AGIs below $25k, 0.4% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.6% for AGIs $100k-200k, 6.0% for AGIs over 200k)

Profit/loss from business: +$6,467 (reported on 16.1% of returns)
Here:

+$6,467
State:

+$10,862
(% of AGI for various income ranges: 8.1% for AGIs below $25k, 2.2% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 1.5% for AGIs $100k-200k, 1.7% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $11,417 (reported on 6.7% of returns)
40403:

$11,417
Kentucky:

$14,296
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 1.5% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 3.2% for AGIs $100k-200k)

Total itemized deductions: $18,202 (22% of AGI, reported on 26.2% of returns)
Here:

$18,202
State:

$21,160

Here:

22.0% of AGI
State:

20.0% of AGI
(% of AGI for various income ranges: 5.3% for AGIs below $25k, 8.0% for AGIs $25k-50k, 10.1% for AGIs $50k-75k, 14.1% for AGIs $75k-100k, 15.2% for AGIs $100k-200k, 12.3% for AGIs over 200k)

Charity contributions: $3,726 (reported on 19.6% of returns)
Here:

$3,726
State:

$4,303
(% of AGI for various income ranges: 0.6% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 3.0% for AGIs $100k-200k, 1.0% for AGIs over 200k)

Taxes paid: $6,643 (reported on 26.2% of returns)
40403:

$6,643
State:

$8,496
(% of AGI for various income ranges: 0.8% for AGIs below $25k, 2.1% for AGIs $25k-50k, 3.6% for AGIs $50k-75k, 5.5% for AGIs $75k-100k, 6.6% for AGIs $100k-200k, 5.7% for AGIs over 200k)

Earned income credit: $2,332 (reported on 24.3% of returns)
Here:

$2,332
State:

$2,273
(% of AGI for various income ranges: 8.4% for AGIs below $25k, 1.4% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 59.5%
Here:

59%
State:

60%
(% for various income ranges: 56.2% for AGIs below $25k, 60.7% for AGIs $25k-50k, 62.0% for AGIs $50k-75k, 62.7% for AGIs $75k-100k, 61.5% for AGIs $100k-200k, 87.5% for AGIs over 200k)

Averages for the 2004 tax year for zip code 40403, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $36,497 (Individual Income Tax Returns)
Here:

$36,497
State:

$41,540

Salary/wage: $33,738 (reported on 86.3% of returns)
Here:

$33,738
State:

$36,432
(% of AGI for various income ranges: 109.9% for AGIs below $10k, 74.9% for AGIs $10k-25k, 85.2% for AGIs $25k-50k, 85.3% for AGIs $50k-75k, 83.4% for AGIs $75k-100k, 58.1% for AGIs over 100k)

Taxable interest for individuals: $1,200 (reported on 33.8% of returns)
This zip code:

$1,200
Kentucky:

$1,571
(% of AGI for various income ranges: 4.2% for AGIs below $10k, 1.4% for AGIs $10k-25k, 0.9% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.8% for AGIs over 100k)

Taxable dividends: $1,664 (reported on 12.2% of returns)
Here:

$1,664
State:

$3,453
(% of AGI for various income ranges: 1.8% for AGIs below $10k, 0.5% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 1.1% for AGIs over 100k)

Net capital gain/loss: +$7,948 (reported on 10.1% of returns)
Here:

+$7,948
State:

+$9,663
(% of AGI for various income ranges: -0.9% for AGIs below $10k, 0.4% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 10.0% for AGIs over 100k)

Profit/loss from business: +$7,156 (reported on 16.8% of returns)
Here:

+$7,156
State:

+$9,233
(% of AGI for various income ranges: 12.7% for AGIs below $10k, 7.6% for AGIs $10k-25k, 2.4% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 4.9% for AGIs over 100k)

IRA payment deduction: $2,805 (reported on 1.5% of returns)
40403:

$2,805
Kentucky:

$2,955
(% of AGI for various income ranges: 0.1% for AGIs $10k-25k, 0.1% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $14,000 (reported on 0.2% of returns)
Here:

$14,000
Kentucky:

$14,996

Total itemized deductions: $14,582 (22% of AGI, reported on 29.6% of returns)
Here:

$14,582
State:

$17,474

Here:

22.3% of AGI
State:

21.0% of AGI
(% of AGI for various income ranges: 11.4% for AGIs below $10k, 6.1% for AGIs $10k-25k, 9.6% for AGIs $25k-50k, 13.7% for AGIs $50k-75k, 15.4% for AGIs $75k-100k, 13.8% for AGIs over 100k)

Charity contributions deductions: $2,877 (4% of AGI, reported on 23.2% of returns)
Here:

$2,877
State:

$3,494

Here:

4.3% of AGI
State:

4.0% of AGI
(% of AGI for various income ranges: 0.9% for AGIs below $10k, 0.8% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 2.9% for AGIs over 100k)

Total tax: $4,281 (reported on 74.2% of returns)
40403:

$4,281
State:

$6,162
(% of AGI for various income ranges: 3.9% for AGIs below $10k, 4.2% for AGIs $10k-25k, 6.2% for AGIs $25k-50k, 8.1% for AGIs $50k-75k, 10.1% for AGIs $75k-100k, 16.6% for AGIs over 100k)

Earned income credit: $1,668 (reported on 20.0% of returns)
Here:

$1,668
State:

$1,723

Percentage of individuals using paid preparers for their 2004 taxes: 65.6%
Here:

66%
State:

66%
(% for various income ranges: 57.1% for AGIs below $10k, 68.2% for AGIs $10k-25k, 68.8% for AGIs $25k-50k, 65.9% for AGIs $50k-75k, 63.5% for AGIs $75k-100k, 71.7% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$42,468
Kentucky:

$43,399
Berea, KY (40403) map Nearest zip codes: 40404, 40461, 40460, 40475, 40385, 40481.
Percentage of family households:
This zip code:

56.5%
Kentucky:

51.2%
Percentage of households with unmarried partners:
This zip code:

4.8%
Kentucky:

5.9%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 1,761
Household did not receive Food Stamps/SNAP in the past 12 months: 7,309


Women who had a birth in the past 12 months: 354 (256 now married, 98 unmarried)
Women who did not have a birth in the past 12 months: 5,467 (2,830 now married, 2,637 unmarried)


Housing units in zip code 40403 with a mortgage: 3,748 (233 second mortgage, 244 home equity loan)
Houses without a mortgage: 2,459

Median monthly owner costs for units with a mortgage: $1,031
Median monthly owner costs for units without a mortgage: S319

Residents with income below the poverty level in 2013:
This zip code:

21.1%
Whole state:

18.8%
Residents with income below 50% of the poverty level in 2013:
This zip code:

13.1%
Whole state:

10.8%
Median number of rooms in houses and condos:
Here:

6.2
State:

6.3
Median number of rooms in apartments:
Here:

4.7
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 40403: Snider Switch Station (A), Maywood (B), Indian Fort Theatre (C), Red Lick Volunteer Fire Department (D), Berea Volunteer Fire and Rescue (E), Berea Fire Department Station No 2 (F), Cartersville Fire Department (G), Berea Fire Department Station No 1 (H), Brindle Ridge Fire Department (I). Display/hide their locations on the map

    Churches in zip code 40403 include: Flat Gap Baptist Church (A), Galilee Church (B), Glades Christian Church (C), Gospel Tabernacle (D), West Side Church (E), White Lick Church (F), Middletown Baptist Church (G), Whites Church (H), Red Lick Baptist Church (I). Display/hide their locations on the map

    Cemeteries: Todd Cemetery (1), Hade-Rose Cemetery (2), Wilmot Cemetery (3), Johnson Cemetery (4), Williams Cemetery (5), Heatherly Cemetery (6), Cochran Cemetery (7). Display/hide their locations on the map

    Reservoirs: Owsley Fork Reservoir (A), Berea City Lakes (B). Display/hide their locations on the map

    Streams, rivers, and creeks: Dog Branch (A), West Fork Silver Creek (B), Copperas Branch (C), Cowbell Creek (D), Crane Branch (E), Walker Branch (F), East Fork Silver Creek (G), Floyd Branch (H), Gravel Lick Branch (I). Display/hide their locations on the map

Year house built

  • 962010 or later
  • 2,2242000 to 2009
  • 2,5921990 to 1999
  • 1,5941980 to 1989
  • 1,4631970 to 1979
  • 5941960 to 1969
  • 6421950 to 1959
  • 3561940 to 1949
  • 5571939 or earlier

Zip code 40403 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Berea, KY (40403)

  • 14no bedroom
  • 1291 bedroom
  • 9092 bedrooms
  • 3,8473 bedrooms
  • 1,0204 bedrooms
  • 2885+ bedrooms

Bedrooms in renter-occupied apartments in Berea, KY (40403)

  • 94no bedroom
  • 2481 bedroom
  • 1,5222 bedrooms
  • 7673 bedrooms
  • 2134 bedrooms
  • 195+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Berea, KY (40403) in owner-occupied houses/condos

  • 209no vehicle
  • 1,5631 vehicle
  • 2,8542 vehicles
  • 1,1543 vehicles
  • 2914 vehicles
  • 1365+ vehicles

Cars and other vehicles available in Berea, KY (40403) in renter-occupied apartments

  • 383no vehicle
  • 1,2341 vehicle
  • 9662 vehicles
  • 2593 vehicles
  • 04 vehicles
  • 215+ vehicles

Median gross rent in 2013: $655.


Median price asked for vacant for-sale houses and condos in 2013: $124,052.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $120,000
40403:

$120,000
Kentucky:

$120,900
Lower value quartile - upper value quartile: $75,600 - $166,200

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 9.8%

Percentage of zip code residents living and working in this county: 77.3%

Household type by relationship:

Households: 23,756

Size of family households: 2,963 2-persons, 1,516 3-persons, 1,248 4-persons, 385 5-persons, 203 6-persons, 123 7-or-more-persons

Size of nonfamily households: 2,172 1-person, 337 2-persons, 92 3-persons, 31 5-persons

3,858 married couples with children.
1,350 single-parent households (152 men, 1,198 women).

97.9% of residents of 40403 zip code speak English at home.
1.1% of residents speak Spanish at home (59% very well, 41% well).
0.4% of residents speak other Indo-European language at home (76% very well, 18% well, 7% not well).
0.5% of residents speak Asian or Pacific Island language at home (68% well, 32% not well).

Foreign born population: 403 (1.6%)
(28.3% of them are naturalized citizens)
This zip code:

1.6%
Whole state:

3.4%

Most common places of birth for the foreign-born residents

  • 21%Japan
  • 13%Guatemala
  • 11%Canada
  • 11%England
  • 9%Mexico
  • 7%Burma
  • 6%Kenya

Most common first ancestries reported in 40403 (%)

  • 24%American
  • 16%Other groups
  • 10%English
  • 10%Irish
  • 8%German
  • 3%Scotch-Irish
  • 2%Italian

Year of entry for the foreign-born population

  • 222010 or later
  • 2972000 to 2009
  • 511990 to 1999
  • 144Before 1990

Zip code 40403 topographic map

Major facilities with environmental interests located in this zip code:

Fire-safe hotels and motels in zip code 40403:

All 11 fire-safe hotels and motels in zip code 40403

Zip code 40403 marital status for males
Zip code 40403 marital status for females

Housing units lacking complete plumbing facilities: 2.9%
Housing units lacking complete kitchen facilities: 3.1%

Most commonly used house heating fuel

  • 72%Electricity
  • 21%Utility gas
  • 3%Wood
  • 3%Bottled, tank, or LP gas

Population in 1990: 16,561. Population change in the 1990s: +4,284 (+25.9%).

Place of birth for U.S.-born residents:


49% of the 40403 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 53% lived in this county.
   Out of people who lived in different counties, 50% lived in Kentucky.

87% of the 40403 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 73% moved from this county.
   Out of people who lived in different houses, 15% moved from different county within same state.
   Out of people who lived in different houses, 10% moved from different state.
   Out of people who lived in different houses, 2% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 188
Here:

6.0%
Kentucky:

11.3%
Students in private schools in grades 9 to 12 (high school): 172
Here:

17.2%
Kentucky:

10.8%
Students in private undergraduate colleges: 924
Here:

44.9%
Kentucky:

17.4%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 60,151Architecture and engineering occupations
  • 50,972Health diagnosing and treating practitioners and other technical occupations
  • 50,694Computer and mathematical occupations
  • 50,652Management occupations
  • 49,659Law enforcement workers including supervisors
  • 48,523Life, physical, and social science occupations

Companies with federal contracts located in this zip code (BEREA, KY):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 489 people in college/university student housing
  • 181 people in nursing facilities/skilled-nursing facilities
  • 23 people in group homes intended for adults

People in group quarters in 2000:

  • 1,056 people in college dormitories (includes college quarters off campus)
  • 163 people in nursing homes

Fatal accident statistics in 2011:

  • Fatal accident count: 4
  • Vehicles involved in fatal accidents: 7
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 4
  • Persons involved in fatal accidents: 11
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 6
  • Vehicles involved in fatal accidents: 9
  • Fatal accidents caused by drunken drivers: 4
  • Fatalities: 6
  • Persons involved in fatal accidents: 9
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2003
(Based on 3 full and 6 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED131$107,151496$89,5911,210$93,414141$15,80431$3,489,974182$77,335
APPLICATIONS APPROVED, NOT ACCEPTED3$101,12047$83,748160$93,26710$56,2500$09$58,710
APPLICATIONS DENIED22$90,33299$68,705440$86,12752$23,3380$025$78,988
APPLICATIONS WITHDRAWN8$98,18844$88,435239$102,2866$41,8680$06$70,382
FILES CLOSED FOR INCOMPLETENESS0$012$92,28963$91,9036$23,3180$01$117,100
Choose year:  2003 2002 2001 2000 1999
Private Mortgage Insurance Companies Aggregated Statistics For Year 2003
(Based on 3 full and 6 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED120$108,734123$117,44418$80,438
APPLICATIONS APPROVED, NOT ACCEPTED9$116,55418$105,8491$341,620
APPLICATIONS DENIED0$00$00$0
APPLICATIONS WITHDRAWN3$132,7776$111,4450$0
FILES CLOSED FOR INCOMPLETENESS1$117,8501$133,5900$0
Choose year:  2003 2002 2001 2000 1999

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 40403 among deceased individuals
NameCountLived (average)
John11475.0 years
William11174.7 years
James10970.1 years
Mary10781.7 years
Robert6974.1 years
Charles5568.6 years
George4670.7 years
Margaret3079.0 years
Ruby2875.3 years
Anna2677.1 years
Most common last names in zip code 40403 among deceased individuals
Last nameCountLived (average)
Johnson6975.7 years
Powell6973.9 years
Smith5274.3 years
Gabbard4775.5 years
Baker4278.4 years
Isaacs3974.1 years
Williams3476.8 years
Alexander3473.4 years
Lamb3271.7 years
Gadd3273.6 years
Businesses in zip code 40403
NameCountNameCount
AT&T1Kincaid1
Ace Hardware1Knights Inn1
Advance Auto Parts1Lane Furniture1
Arby's1Little Caesars Pizza1
Blockbuster1Long John Silver's1
Burger King1Marriott1
Comfort Inn1McDonald's2
Cracker Barrel1Papa John's Pizza1
Cricket Wireless4Pizza Hut1
Curves1RadioShack1
Dairy Queen1Rite Aid1
Days Inn1SONIC Drive-In1
Domino's Pizza1Subway3
Econo Lodge1Taco Bell1
FedEx1U-Haul3
GNC1UPS1
Goodwill2Walgreens1
H&R Block1Walmart1
KFC1Wendy's1

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