40037 Zip Code (Loretto, KY) Detailed Profile

Estimated zip code population in 2022: 2,776
Zip code population in 2010: 2,864
Zip code population in 2000: 2,644

Houses and condos: 1,229
Renter-occupied apartments: 101
March 2022 cost of living index in zip code 40037: 82.0 (low, U.S. average is 100)

Land area: 49.1 sq. mi.
Water area: 0.6 sq. mi.

Population density: 57 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $1,254 (0.6%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $687 (0.4%)

For population 25 years and over in 40037:

• High school or higher: 88.3%
• Bachelor's degree or higher: 14.5%
• Graduate or professional degree: 6.8%
• Unemployed: 0.8%
• Mean travel time to work (commute): 26.7 minutes

For population 15 years and over in 40037:

• Never married: 25.9%
• Now married: 58.0%
• Separated: 1.7%
• Widowed: 4.8%
• Divorced: 9.6%

• 
• • 2,74598.9%White
  • 140.5%Two or more races
  • 100.4%American Indian
  • 70.3%Black

100% rural population.

Averages for the 2020 tax year for zip code 40037, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $51,759 (Individual Income Tax Returns)

Here:	$51,759
State:	$61,342

Salary/wage: $48,139 (reported on 85.0% of returns)

Here:	$48,139
State:	$50,827

(% of AGI for various income ranges: 1211.5% for AGIs below $25k, 3613.8% for AGIs $25k-50k, 6284.3% for AGIs $50k-75k, 9198.3% for AGIs $75k-100k, 15029.1% for AGIs $100k-200k)

Taxable interest for individuals: $1,077 (reported on 22.6% of returns)

This zip code:	$1,077
Kentucky:	$1,441

(% of AGI for various income ranges: 26.2% for AGIs below $25k, 25.9% for AGIs $25k-50k, 23.3% for AGIs $50k-75k, 60.8% for AGIs $75k-100k, 52.7% for AGIs $100k-200k)

Ordinary dividends: $1,675 (reported on 9.0% of returns)

Here:	$1,675
State:	$7,388

(% of AGI for various income ranges: 19.3% for AGIs $25k-50k, 7.1% for AGIs $50k-75k, 118.2% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$10,486 (reported on 10.5% of returns)

Here:	+$10,486
State:	+$19,475

(% of AGI for various income ranges: 19.3% for AGIs $25k-50k, 54.3% for AGIs $50k-75k, 371.7% for AGIs $75k-100k, 774.5% for AGIs $100k-200k)

Profit/loss from business: +$3,977 (reported on 9.8% of returns)

Here:	+$3,977
State:	+$11,386

(% of AGI for various income ranges: 73.8% for AGIs below $25k, 43.8% for AGIs $25k-50k, 32.9% for AGIs $50k-75k, 117.3% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $10,190 (reported on 7.5% of returns)

40037:	$10,190
Kentucky:	$18,941

(% of AGI for various income ranges: 66.2% for AGIs below $25k, 153.1% for AGIs $25k-50k, 335.8% for AGIs $75k-100k)

Total itemized deductions: $22,000 (reported on 1.5% of returns)

Here:	$22,000
State:	$32,473

(% of AGI for various income ranges: 209.5% for AGIs $50k-75k)

Taxes paid: $6,100 (reported on 1.5% of returns)

40037:	$6,100
State:	$7,830

(% of AGI for various income ranges: 58.1% for AGIs $50k-75k)

Earned income credit: $2,138 (reported on 15.8% of returns)

Here:	$2,138
State:	$2,336

(% of AGI for various income ranges: 89.2% for AGIs below $25k, 74.8% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 95.5%

Here:	95%
State:	94%

(% for various income ranges: 95.0% for AGIs below $25k, 94.4% for AGIs $25k-50k, 96.0% for AGIs $50k-75k, 100.0% for AGIs $75k-100k, 93.8% for AGIs $100k-200k)

Averages for the 2012 tax year for zip code 40037, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $39,255 (Individual Income Tax Returns)

Here:	$39,255
State:	$50,814

Salary/wage: $36,245 (reported on 86.8% of returns)

Here:	$36,245
State:	$42,723

(% of AGI for various income ranges: 74.3% for AGIs below $25k, 84.2% for AGIs $25k-50k, 84.3% for AGIs $50k-75k, 82.6% for AGIs $75k-100k, 65.3% for AGIs $100k-200k)

Taxable interest for individuals: $1,263 (reported on 28.9% of returns)

This zip code:	$1,263
Kentucky:	$1,381

(% of AGI for various income ranges: 2.2% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 0.4% for AGIs $100k-200k)

Ordinary dividends: $1,940 (reported on 12.4% of returns)

Here:	$1,940
State:	$6,239

(% of AGI for various income ranges: 1.2% for AGIs below $25k, 0.4% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 1.5% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$2,012 (reported on 14.0% of returns)

Here:	+$2,012
State:	+$11,336

(% of AGI for various income ranges: 0.5% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.4% for AGIs $75k-100k)

Profit/loss from business: +$5,719 (reported on 13.2% of returns)

Here:	+$5,719
State:	+$10,862

(% of AGI for various income ranges: 8.2% for AGIs below $25k, 1.7% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.6% for AGIs $75k-100k)

Taxable individual retirement arrangement distribution: $9,836 (reported on 9.1% of returns)

40037:	$9,836
Kentucky:	$14,296

(% of AGI for various income ranges: 2.7% for AGIs below $25k, 2.4% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 3.8% for AGIs $75k-100k)

Total itemized deductions: $15,336 (23% of AGI, reported on 18.2% of returns)

Here:	$15,336
State:	$21,160

Here:	22.9% of AGI
State:	20.0% of AGI

(% of AGI for various income ranges: 3.4% for AGIs below $25k, 4.6% for AGIs $25k-50k, 8.3% for AGIs $50k-75k, 8.9% for AGIs $75k-100k, 11.2% for AGIs $100k-200k)

Charity contributions: $1,800 (reported on 13.2% of returns)

Here:	$1,800
State:	$4,303

(% of AGI for various income ranges: 0.6% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 1.1% for AGIs $100k-200k)

Taxes paid: $5,218 (reported on 18.2% of returns)

40037:	$5,218
State:	$8,496

(% of AGI for various income ranges: 1.7% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 3.6% for AGIs $75k-100k, 4.5% for AGIs $100k-200k)

Earned income credit: $2,421 (reported on 23.1% of returns)

Here:	$2,421
State:	$2,273

(% of AGI for various income ranges: 8.1% for AGIs below $25k, 1.1% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 75.2%

Here:	75%
State:	60%

(% for various income ranges: 70.0% for AGIs below $25k, 74.3% for AGIs $25k-50k, 85.0% for AGIs $50k-75k, 81.8% for AGIs $75k-100k, 80.0% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 40037, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $31,646 (Individual Income Tax Returns)

Here:	$31,646
State:	$41,540

Salary/wage: $29,867 (reported on 86.8% of returns)

Here:	$29,867
State:	$36,432

(% of AGI for various income ranges: 87.6% for AGIs below $10k, 81.3% for AGIs $10k-25k, 87.8% for AGIs $25k-50k, 88.7% for AGIs $50k-75k, 80.1% for AGIs $75k-100k, 37.7% for AGIs over 100k)

Taxable interest for individuals: $1,372 (reported on 41.8% of returns)

This zip code:	$1,372
Kentucky:	$1,571

(% of AGI for various income ranges: 4.7% for AGIs below $10k, 4.5% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 1.2% for AGIs over 100k)

Taxable dividends: $877 (reported on 14.4% of returns)

Here:	$877
State:	$3,453

(% of AGI for various income ranges: 2.5% for AGIs below $10k, 0.7% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.0% for AGIs $50k-75k, 0.6% for AGIs $75k-100k)

Net capital gain/loss: +$4,623 (reported on 13.0% of returns)

Here:	+$4,623
State:	+$9,663

(% of AGI for various income ranges: 0.6% for AGIs below $10k, 0.2% for AGIs $10k-25k, 1.6% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 9.4% for AGIs over 100k)

Profit/loss from business: +$3,297 (reported on 13.9% of returns)

Here:	+$3,297
State:	+$9,233

(% of AGI for various income ranges: 12.0% for AGIs below $10k, 5.6% for AGIs $10k-25k, -0.1% for AGIs $25k-50k, 1.2% for AGIs $50k-75k)

IRA payment deduction: $2,812 (reported on 2.7% of returns)

40037:	$2,812
Kentucky:	$2,955

Total itemized deductions: $11,760 (20% of AGI, reported on 17.5% of returns)

Here:	$11,760
State:	$17,474

Here:	20.3% of AGI
State:	21.0% of AGI

(% of AGI for various income ranges: 3.4% for AGIs $10k-25k, 6.1% for AGIs $25k-50k, 8.2% for AGIs $50k-75k, 9.9% for AGIs $75k-100k, 6.2% for AGIs over 100k)

Charity contributions deductions: $1,396 (2% of AGI, reported on 15.3% of returns)

Here:	$1,396
State:	$3,494

Here:	2.4% of AGI
State:	4.0% of AGI

(% of AGI for various income ranges: 0.4% for AGIs $10k-25k, 0.7% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 0.6% for AGIs over 100k)

Total tax: $3,218 (reported on 74.6% of returns)

40037:	$3,218
State:	$6,162

(% of AGI for various income ranges: 3.4% for AGIs below $10k, 4.1% for AGIs $10k-25k, 6.2% for AGIs $25k-50k, 7.4% for AGIs $50k-75k, 9.5% for AGIs $75k-100k, 18.8% for AGIs over 100k)

Earned income credit: $1,805 (reported on 19.0% of returns)

Here:	$1,805
State:	$1,723

Percentage of individuals using paid preparers for their 2004 taxes: 76.5%

Here:	76%
State:	66%

(% for various income ranges: 65.8% for AGIs below $10k, 80.3% for AGIs $10k-25k, 77.3% for AGIs $25k-50k, 81.4% for AGIs $50k-75k, 78.7% for AGIs $75k-100k, 95.2% for AGIs over 100k)

Nearest zip codes: 40049, 40062, 40052, 40063, 40060, 40051.
No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 145
Household did not receive Food Stamps/SNAP in the past 12 months: 1,009

Women who had a birth in the past 12 months: 8 (7 now married, 1 unmarried)
Women who did not have a birth in the past 12 months: 588 (338 now married, 252 unmarried)

Housing units in zip code 40037 with a mortgage: 589 (32 second mortgage, 30 both second mortgage and home equity loan)
Houses without a mortgage: 57

Median monthly owner costs for units with a mortgage: $1,118
Median monthly owner costs for units without a mortgage: $448

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 40037 household income distribution in 2022

• 35Less than $10,000
• 47$10,000 to $14,999
• 47$15,000 to $19,999
• 21$20,000 to $24,999
• 129$25,000 to $29,999
• 91$30,000 to $34,999
• 17$35,000 to $39,999
• 22$40,000 to $44,999
• 59$45,000 to $49,999
• 107$50,000 to $59,999
• 84$60,000 to $74,999
• 246$75,000 to $99,999
• 32$100,000 to $124,999
• 82$125,000 to $149,999
• 71$150,000 to $199,999
• 42$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 40037

• 60Less than $10,000
• 3$15,000 to $19,999
• 10$20,000 to $24,999
• 11$25,000 to $29,999
• 8$30,000 to $34,999
• 3$35,000 to $39,999
• 6$40,000 to $49,999
• 7$50,000 to $59,999
• 17$60,000 to $69,999
• 30$70,000 to $79,999
• 70$80,000 to $89,999
• 25$90,000 to $99,999
• 75$100,000 to $124,999
• 30$125,000 to $149,999
• 75$150,000 to $174,999
• 128$175,000 to $199,999
• 189$200,000 to $249,999
• 73$250,000 to $299,999
• 149$300,000 to $399,999
• 26$400,000 to $499,999
• 35$500,000 to $749,999
• 14$750,000 to $999,999

• Rent paid by renters in 2022 in zip code 40037

• 2$350 to $399
• 20$400 to $449
• 3$450 to $499
• 73$500 to $549
• 2$550 to $599
• 2$650 to $699
• 8No cash rent

Median gross rent in 2022: $674.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $201,701
• Two or more races householders: $49,229
• Hispanic or Latino householders: $457,134

Estimated median house or condo value in 2022: $203,952 Lower value quartile - upper value quartile: $103,821 - $272,402

Mean price in 2022:

Detached houses: $212,487

Here:	$212,487
State:	$256,452

Mobile homes: $109,723

Here:	$109,723
State:	$84,635

Housing units in structures:

• One, detached: 1,005
• One, attached: 5
• Two: 42
• Mobile homes: 166

Unemployment: 0.8%

• Means of transportation to work in zip code 40037

• 87.9%1,136Drove a car alone
• 5.4%70Carpooled
• 1.2%16Walked
• 2.2%29Other means
• 0.2%2Worked at home

• Travel time to work (commute) in zip code 40037

• 49Less than 5 minutes
• 1225 to 9 minutes
• 11010 to 14 minutes
• 22915 to 19 minutes
• 20620 to 24 minutes
• 9225 to 29 minutes
• 16630 to 34 minutes
• 1135 to 39 minutes
• 1840 to 44 minutes
• 10345 to 59 minutes
• 12060 to 89 minutes
• 2490 or more minutes

Percentage of zip code residents living and working in this county: 58.4%

Household type by relationship:

Households: 2,776

• Male householders: 499 (88 living alone), Female householders: 659 (195 living alone)

• 582 spouses (582 opposite-sex spouses), 161 unmarried partners, (161 opposite-sex unmarried partners), 787 children (742 natural, 3 adopted, 43 stepchildren), 25 grandchildren, 0 brothers or sisters, 12 parents, 2 foster children, 37 other relatives, 34 non-relatives

Size of family households: 326 2-persons, 148 3-persons, 242 4-persons, 41 5-persons, 12 6-persons

Size of nonfamily households: 283 1-person, 96 2-persons, 1 3-persons

431 married couples with children.
241 single-parent households (183 men, 58 women).

99.9% of residents of 40037 zip code speak English at home.

Facilities with environmental interests located in this zip code:

• MAKER'S MARK DISTILLERY (3350 BURKS SPRINGS ROAD in LORETTO, KY)

  AIR MAJOR (AIRS/AFS)
  COMPLIANCE ACTIVITY (Tracking inspections of insecticide, fungicide, and rodenticide, and toxic substances)
  CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: DISTILLED AND BLENDED LIQUORS
  Organizations: MAKERS MARK DISTILLERY (CONTACT/OWNER)
  

• LORETTO PLAZA (9340 LORETTO RD in LORETTO, KY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  

• CORNER FOOD MART (HIGHWAY 49 in LORETTO, KY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: TOMMY MATTINGLY (CONTACT/OWNER)
  

• LORETTO, CITY OF (SCHOOL DR in LORETTO, KY)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: SEWERAGE SYSTEMS
  

• MATTINGLY GAS STATION (HIGHWAY 49 in LORETTO, KY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: THOMAS MATTINGLY (CONTACT/OWNER)
  

Housing units lacking complete plumbing facilities: 1.8%
Housing units lacking complete kitchen facilities: 1.5%

Population in 1990: 2,586. Population change in the 1990s: +58 (+2.2%).

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

• This state: 2,608
• Northeast: 13
• Midwest: 63
• South: 26
• West: 30

71% of the 40037 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 66% lived in this county.
   Out of people who lived in different counties, 50% lived in Kentucky.

96% of the 40037 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 22% moved from this county.
   Out of people who lived in different houses, 79% moved from different county within same state.
   Out of people who lived in different houses, 3% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 3
Students in private schools in grades 9 to 12 (high school): 47 Students in private undergraduate colleges:

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

• Health Care and Social Assistance: Nursing Care Facilities (20-49 employees: 1 establishment)
• Health Care and Social Assistance: Child Day Care Services (10-19: 1)
• Accommodation and Food Services: Full-Service Restaurants (10-19: 1)
• Accommodation and Food Services: Drinking Places (Alcoholic Beverages) (5-9: 1)
• Finance and Insurance: Commercial Banking (5-9: 1)

2004 - 2018 National Fire Incident Reporting System (NFIRS) incidents

Based on the data from the years 2004 - 2018 the average number of fire incidents per year is 10. The highest number of reported fires - 21 took place in 2008, and the least - 1 in 2004. The data has a rising trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (44.2%), and Outside Fires (40.1%).


• Fire incident types reported to NFIRS in Zip Code 40037
• 6544.2%Structure Fires
• 5940.1%Outside Fires
• 1510.2%Mobile Property/Vehicle Fires
• 85.4%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 40037, Kentucky

Most common first names in zip code 40037 among deceased individuals
Name	Count	Lived (average)
Mary	75	78.2 years
Joseph	65	68.5 years
James	31	70.8 years
William	24	72.7 years
John	23	66.6 years
Thomas	14	60.6 years
Francis	13	73.8 years
Charles	10	60.0 years
Catherine	9	81.0 years
Robert	6	69.6 years

Most common last names in zip code 40037 among deceased individuals
Last name	Count	Lived (average)
Mattingly	63	70.3 years
Miles	29	70.7 years
Thompson	19	74.7 years
Hagan	15	63.5 years
Thomas	14	72.4 years
Newton	13	67.2 years
Smith	12	76.8 years
Ballard	11	65.1 years
Cissell	11	77.4 years
Cambron	11	69.7 years