Population & age
- Total population
- 3,173
- Median age
- 43.6
Milton, KY (40045)
Trimble County · Population 3,173
Fresh.Data current as of Apr 24, 2026
Milton, KY (ZIP 40045) sits in Trimble County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. IRS data shows average household income (AGI) of $59,788 per tax return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags household composition (71th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 37th-percentile score. FEMA has issued 24 federal disaster declarations affecting this ZIP since 1978 — a high-frequency exposure profile. Annual precipitation averages 51.0" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,330 years of potential life lost per 100,000 (2025) — well above the national county median. New residents arriving here predominantly come from Oldham County, KY (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $70,481, fair market rent of $940 for a two-bedroom, and a typical home value of $218,741, down 1.7% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 94.4%
- Black
- 0.1%
- Asian
- 0.3%
- Hispanic / Latino
- 5.2%
- Other / multi-racial
- 4.4%
Income & housing
- Median household income
- $70,481
- Median home value
- $151,000
Education
- Bachelor's degree or higher (age 25+)
- 14.1%
Employment
- Unemployment rate
- 2.2%
Housing
- Owner-occupied
- 1,120(87.4%)
- Renter-occupied
- 162(12.6%)
- Vacant units
- 249
- Built (median)
- 1977
Commute
- Public transit
- 0(0.0%)
- Work from home
- 73(4.5%)
- Avg commute
- 25.5 min
Economic wellbeing
- Below poverty line
- 167(5.3%)
- Uninsured
- 9(0.3%)
Digital access
- Broadband access
- 1,038(81.0%)
- No broadband
- 244(19.0%)
Language & nativity
- Foreign-born
- 47(1.5%)
- Non-English at home
- 85(2.8%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$670
/month
1 Bed
$730
/month
2 Bed
$940
/month
3 Bed
$1,230
/month
4 Bed
$1,250
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$218,741
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-1.7%
vs. March 2025
5-year change
+29.5%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
3
Across 3 permitted buildings. Total construction value: $625,000.
Single-family
3
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$625,000
construction value
Multifamily value
$0
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
1,390
Average AGI
$59,788
Avg property tax
$37
EITC participation
17.3%
Income distribution
- $1 – $25,00028.8% · 400
- $25,000 – $50,00025.9% · 360
- $50,000 – $75,00016.5% · 230
- $75,000 – $100,00010.1% · 140
- $100,000 – $200,00016.5% · 230
- $200,000 or more2.2% · 30
Avg mortgage interest
—
Avg charitable contribution
$88
Avg capital gains
$965
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $83.1M across all reported brackets.
Business & employment
Business establishments
28
Total employment
215
Annual payroll
$9.2M
Average annual pay
$42,558
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$60,405
Average weekly wage
$1,162
Total employment
1,072
Total establishments
162
That is roughly 8% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.7%
That is 0.7 percentage points above the US national unemployment rate of about 4.0%.
Labor force
3,942
Employed
3,756
Unemployed
186
Based on Trimble County, KY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$111.6M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
- 1.The Farmers Bank of Milton$111.6M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federal Disaster Declarations
Federally Declared Disasters
24
Date Range
1978–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3633)
Incident period: January 23, 2026 – January 27, 2026
Top Incident Types
- Severe Storm13 (54%)
- Flood4 (17%)
- Biological2 (8%)
- Severe Ice Storm2 (8%)
- Winter Storm1 (4%)
- Other2 (8%)
Individual Assistance
4
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
22
Repair of public facilities & roads
Hazard Mitigation
12
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
56°F
45° – 67°
Annual precipitation
51"
Annual snowfall
12.3"
Heating · cooling days
4,532.2 · 1,287.6
Annual base 65°F
Nearest station: MADISON SEWAGE PLT, IN US, 3.7 miles from the centroid of Milton, KY (ZIP 40045)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
12,330
That is roughly 4,130 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
21%
of adults self-report
Poor physical health days
4.8
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
6.7%
of residents under 65
Primary care MDs
23
per 100,000 residents
Preventable hospital stays
3,941
per 100K Medicare enrollees
Food environment (0-10)
—
10 = best access & security
Exercise access
44%
residents near a facility
Flu vaccinated
40%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 10.6% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Trimble data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
0.0% of Trimble County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
—
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.71
accepting food benefits
Fast-food restaurants
—
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Trimble County, KY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 9 reports
Property crime rate
—
per 100K residents · 36 reports
Homicide
0
Robbery
0
Burglary
9
Vehicle theft
8
County-level data for Carroll (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+40 people
−9 households • −$2.8M net AGI flow
Moved in
313households
601 people • $14.3M AGI
Moved out
322households
561 people • $17.1M AGI
Where new residents came from
- Oldham County, KY — 36 households
- Carroll County, KY — 35 households
- Henry County, KY — 31 households
- Jefferson County, KY — 31 households
- Jefferson County, IN — 28 households
Where departing residents went
- Jefferson County, IN — 55 households
- Henry County, KY — 33 households
- Carroll County, KY — 27 households
- Jefferson County, KY — 27 households
- Oldham County, KY — 24 households
Incoming households reported an average AGI of $45,808 versus departing households' $53,130.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Kentucky
State-level rules that apply to every resident of ZIP 40045. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.00%
State 6.00% · avg local 0.00%
Property tax (effective)
0.74%
Median $2,003/year
Tax burden rank
23 of 50
9.80% of personal income
For ZIP 40045: Applied to this ZIP's typical home value of $218,741, that works out to roughly $1,620/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 40045
Nearby ZIPs by distance
40006 (Bedford, 6.8 mi) · 47243 (Hanover, 7.1 mi) · 47250 (Madison, 8.2 mi) · 41008 (Carrollton, 10.1 mi) · 47104 (10.2 mi) · 47147 (New Washington, 11.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Fresh.HUD SAFMR · May 1, 2026
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
12.6%
No national benchmark available.
Short Sleep Duration
39.0%
No national benchmark available.
Colorectal Cancer Screening
68.2%
No national benchmark available.
Dental Visit
61.2%
No national benchmark available.
Mammography
73.4%
No national benchmark available.
Schools in this ZIP
1 school serves this ZIP, including 1 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Milton Elementary School | Public | -1–6 | 195 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026What these numbers say together
Milton, KY (ZIP 40045) sits in Trimble County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. IRS data shows average household income (AGI) of $59,788 per tax return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags household composition (71th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 37th-percentile score. FEMA has issued 24 federal disaster declarations affecting this ZIP since 1978 — a high-frequency exposure profile. Annual precipitation averages 51.0" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,330 years of potential life lost per 100,000 (2025) — well above the national county median. New residents arriving here predominantly come from Oldham County, KY (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $70,481, fair market rent of $940 for a two-bedroom, and a typical home value of $218,741, down 1.7% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Both surfaces skew lighter than national averages. That isn’t a verdict — small-area estimates compress real neighborhood-level texture, and a single ZIP reading can miss a district line or a hospital corridor sitting just outside it. Treat this as a starting point for fieldwork, not a conclusion.
Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 40045
How many schools are in ZIP 40045?
1 school serves this ZIP, including 1 public school (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 40045 have charter schools?
No charter schools are listed in ZIP 40045 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 40045?
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 27, 2026).
What is the population of ZIP 40045?
3,173 people live in ZIP 40045, with a median age of 43.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40045?
$70,481 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40045 mostly renters or homeowners?
In ZIP 40045, 87.4% of occupied housing units are owner-occupied and 12.6% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40045?
In ZIP 40045, 4.5% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40045?
5.3% of the population in ZIP 40045 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40045 have broadband internet?
81.0% of households in ZIP 40045 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40045?
The typical home value in ZIP 40045 is $218,741, down 1.7% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40045?
Home values are down 1.7% over the past year and up 29.5% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40045?
The average Adjusted Gross Income reported on tax returns from ZIP 40045 (Milton, KY) is $59,788 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40045?
Tax returns from ZIP 40045 report an average of $37 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40045 earn over $200,000?
2.2% of tax returns from ZIP 40045 (Milton, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 40045?
As of 2022, 28 business establishments operated in ZIP 40045 employing 215 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40045?
The average annual pay across all local establishments in ZIP 40045 is $42,558, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40045 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40045 ranks in the 37th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40045?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40045, ranking in the 71th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40045 experienced?
FEMA has recorded 24 federal disaster declarations affecting ZIP 40045 between 1978–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40045?
Severe Storm is the most common federally declared disaster type affecting ZIP 40045, accounting for 13 of 24 declarations (54%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40045?
The most recent FEMA disaster declaration affecting ZIP 40045 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What is the climate like in ZIP 40045?
ZIP 40045 has an average annual temperature of 56.0°F and 51.0" of annual precipitation based on the MADISON SEWAGE PLT, IN US weather station 3.7 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 40045?
Kentucky has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Does Kentucky have paid family leave?
Kentucky runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 40045?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (1 school), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (24 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (24 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 40045
Nearby ZIPs by distance
40006 (Bedford, 6.8 mi) · 47243 (Hanover, 7.1 mi) · 47250 (Madison, 8.2 mi) · 41008 (Carrollton, 10.1 mi) · 47104 (10.2 mi) · 47147 (New Washington, 11.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 40045?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
37th percentile
Moderate Vulnerability
Based on 2 census tracts, population 3,288
Vulnerability Themes
Households Without Vehicle
45
Limited English Speakers
5
Persons with Disability
674
Without HS Diploma
169
Without Health Insurance
183
Adults Age 65+
666
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.