Population & age
- Total population
- 919
- Median age
- 19.6
Berea, KY (40404)
Madison County · Population 919
Fresh.Data current as of Apr 24, 2026
Berea, KY (ZIP 40404) sits in Madison County. The page draws on 1 federal data feed retrieved Apr 24. Health-survey coverage is limited for this ZIP. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $51,658. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. Annual precipitation averages 50.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,055 years of potential life lost per 100,000 (2025) — well above the national county median. 25.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 1,683 residents (865 households) — the ZIP's primary county is growing. 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: fair market rent of $880 for a two-bedroom. 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
- 78.2%
- Black
- 14.6%
- Asian
- 2.3%
- Hispanic / Latino
- 6.1%
- Other / multi-racial
- 4.7%
Education
- Bachelor's degree or higher (age 25+)
- 33.3%
Employment
- Unemployment rate
- 8.1%
Housing
- Owner-occupied
- 0
- Renter-occupied
- 0
- Vacant units
- 0
Commute
- Public transit
- 0(0.0%)
- Work from home
- 5(1.4%)
- Avg commute
- 12.8 min
Economic wellbeing
- Below poverty line
- 0
- Uninsured
- 8(0.9%)
Digital access
- Broadband access
- 0
Language & nativity
- Foreign-born
- 65(7.1%)
- Non-English at home
- 92(10.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$670
/month
1 Bed
$760
/month
2 Bed
$880
/month
3 Bed
$1,210
/month
4 Bed
$1,360
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
816
Across 577 permitted buildings. Total construction value: $160.8M.
Single-family
536
66% of total units
Multifamily (2+ unit)
280
34% of total units
Single-family value
$130.3M
construction value
Multifamily value
$30.5M
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.
Business & employment
Business establishments
4
Total employment
873
Annual payroll
$44.5M
Average annual pay
$50,950
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
$53,794
Average weekly wage
$1,035
Total employment
36,909
Total establishments
3,101
That is roughly 18% 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
5.0%
That is 1.0 percentage points above the US national unemployment rate of about 4.0%.
Labor force
45,899
Employed
43,618
Unemployed
2,281
Based on Madison 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.
Federal Disaster Declarations
Federally Declared Disasters
27
Date Range
1972–2026
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 Storm11 (41%)
- Flood5 (19%)
- Severe Ice Storm3 (11%)
- Snowstorm3 (11%)
- Biological2 (7%)
- Other3 (11%)
Individual Assistance
6
Direct help to disaster survivors
Households Program
7
Housing & temporary lodging support
Public Assistance
25
Repair of public facilities & roads
Hazard Mitigation
11
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
56.8°F
46° – 67.6°
Annual precipitation
50.6"
Annual snowfall
7.4"
Heating · cooling days
4,130.7 · 1,161.1
Annual base 65°F
Nearest station: CRAB ORCHARD 6 N, KY US, 9.9 miles from the centroid of Berea, KY (ZIP 40404)
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)
11,055
That is roughly 2,855 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
19%
of adults self-report
Poor physical health days
4.5
avg per adult per month
Poor mental health days
5.2
avg per adult per month
Uninsured
6.1%
of residents under 65
Primary care MDs
48
per 100,000 residents
Preventable hospital stays
2,544
per 100K Medicare enrollees
Food environment (0-10)
7.0
10 = best access & security
Exercise access
78%
residents near a facility
Flu vaccinated
40%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.8% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Madison 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
Significant food access concerns
25.8% of Madison County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.10
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.90
accepting food benefits
Fast-food restaurants
0.71
per 1,000 residents
Among low-income residents, 12.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Madison 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 · 28 reports
Property crime rate
—
per 100K residents · 132 reports
Homicide
0
Robbery
0
Burglary
27
Vehicle theft
16
County-level data for Madison (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)
▲+1,683 people
+865 households • +$49.9M net AGI flow
Moved in
4,183households
7,233 people • $222.6M AGI
Moved out
3,318households
5,550 people • $172.6M AGI
Where new residents came from
- Fayette County, KY — 661 households
- Clark County, KY — 117 households
- Estill County, KY — 104 households
- Rockcastle County, KY — 94 households
- Laurel County, KY — 86 households
Where departing residents went
- Fayette County, KY — 461 households
- Rockcastle County, KY — 109 households
- Garrard County, KY — 86 households
- Clark County, KY — 79 households
- Jefferson County, KY — 79 households
Incoming households reported an average AGI of $53,207 versus departing households' $52,025.
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 40404. 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
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 40404
Other ZIPs in Berea
Nearby ZIPs by distance
40403 (Berea, 1.5 mi) · 40461 (Berea, 6.4 mi) · 40460 (12.8 mi) · 40475 (Richmond, 13.1 mi) · 40385 (14.3 mi) · 40419 (Crab Orchard, 14.4 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
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
11.9%
No national benchmark available.
Short Sleep Duration
43.5%
No national benchmark available.
Colorectal Cancer Screening
58.3%
No national benchmark available.
Dental Visit
54.9%
No national benchmark available.
Mammography
65.9%
No national benchmark available.
Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$51,658
Median earnings (10 yr)
$45,795
- 4-Year
Berea College
Berea, KY · 40404
- In-state tuition
- $51,658
- Out-of-state tuition
- $51,658
- Acceptance rate
- 19.3%
- Graduation rate
- 60.1%
- Median earnings (10 yr)
- $43,150
- Median student debt
- $3,591
- 4-Year
Eastern Kentucky University
Richmond, KY · 40475
- In-state tuition
- $10,320
- Out-of-state tuition
- $21,230
- Acceptance rate
- 77.6%
- Graduation rate
- 49.9%
- Median earnings (10 yr)
- $45,795
- Median student debt
- $22,500
- 4-Year
Centre College
Danville, KY · 40422
- In-state tuition
- $52,820
- Out-of-state tuition
- $52,820
- Acceptance rate
- 54.4%
- Graduation rate
- 83.1%
- Median earnings (10 yr)
- $66,240
- Median student debt
- $27,000
- Certificate
Medical Career & Technical College
Richmond, KY · 40475
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 67.7%
- Median earnings (10 yr)
- —
- Median student debt
- $6,333
- Certificate
Berea Beauty Academy
Berea, KY · 40403
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- —
- Median student debt
- —
- Certificate
Kentucky Horseshoeing School
Richmond, KY · 40475
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 87.3%
- Median earnings (10 yr)
- —
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Berea, KY (ZIP 40404) sits in Madison County. The page draws on 1 federal data feed retrieved Apr 24. Health-survey coverage is limited for this ZIP. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $51,658. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. Annual precipitation averages 50.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,055 years of potential life lost per 100,000 (2025) — well above the national county median. 25.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 1,683 residents (865 households) — the ZIP's primary county is growing. 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: fair market rent of $880 for a two-bedroom. 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 40404
What is the population of ZIP 40404?
919 people live in ZIP 40404, with a median age of 19.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40404?
In ZIP 40404, 1.4% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How many businesses are in ZIP 40404?
As of 2022, 4 business establishments operated in ZIP 40404 employing 873 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40404?
The average annual pay across all local establishments in ZIP 40404 is $50,950, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40404 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40404 ranks in the 62th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40404?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 40404, ranking in the 91th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40404 experienced?
FEMA has recorded 27 federal disaster declarations affecting ZIP 40404 between 1972–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40404?
Severe Storm is the most common federally declared disaster type affecting ZIP 40404, accounting for 11 of 27 declarations (41%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40404?
The most recent FEMA disaster declaration affecting ZIP 40404 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 40404?
6 colleges and universities are listed near ZIP 40404 by the U.S. Department of Education College Scorecard, including Berea College, Eastern Kentucky University, and Centre College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 40404?
Median in-state tuition across 6 nearby institutions is $51,658 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 40404?
Graduates of nearby colleges earn a median of $45,795 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 40404?
ZIP 40404 has an average annual temperature of 56.8°F and 50.5" of annual precipitation based on the CRAB ORCHARD 6 N, KY US weather station 9.9 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 40404?
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 40404?
This page covers health outcomes from CDC PLACES (5 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (6 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (27 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. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. 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 (27 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 40404
Other ZIPs in Berea
Nearby ZIPs by distance
40403 (Berea, 1.5 mi) · 40461 (Berea, 6.4 mi) · 40460 (12.8 mi) · 40475 (Richmond, 13.1 mi) · 40385 (14.3 mi) · 40419 (Crab Orchard, 14.4 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 40404?
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
62nd percentile
High Vulnerability
Based on 3 census tracts, population 290
Vulnerability Themes
Households Without Vehicle
6
Limited English Speakers
4
Persons with Disability
53
Without HS Diploma
27
Without Health Insurance
12
Adults Age 65+
45
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.