ZIP Code · KY

ZIP 40004

Part of Bardstown, KY

Pop. 30,601·Nelson County·75th most expensive ZIP in Kentucky

Median rent (all units)

$1,011/mo

Year-over-Year

-15.9%

Month-over-Month

-0.8%

vs US Median

-$921

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 40004 · $1,011

More affordable than 98% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$780

1 BR

$790

2 BR

$1,030

3 BR

$1,380

4 BR+

$1,730

Research median

$1,030/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Kentucky

Rent in ZIP 40004 changed -15.9% over the year to September 2026. Across the 63 Kentucky ZIP codes Zillow tracks, the typical change was +3.3%.

Recent direction

Rent rose in 5 of the last 12 months.

What a typical income covers

30% of the median household income ($66,578) is $1,664 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,380); a 4-bedroom is $1,730.

From Zillow's monthly rent index (ZORI) for ZIP 40004. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$12,132/yr

At $1,011/mo median

Location

CityBardstown

StateKY

CountyNelson County

Rent Market Meter

Strong Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are down 15.9% year-over-year. Push hard on price, concessions, and lease terms.

Based on rent-price momentum (-15.9% YoY, -0.8% MoM), not inventory.

Demographics

Who lives here

ZIP 40004 (Bardstown, KY) is majority owner-occupied, 25.3% of residents hold a bachelor's degree or higher.

Population

30,601

Median income

$66,578

Median age

39.6

Renters

26.7%

Age distribution

22.4%

21%

25.2%

13.6%

17.9%

Under 1822.4%

18–3421%

35–5425.2%

55–6413.6%

65+17.9%

Gender

49.9%

50.1%

Male49.9%

Female50.1%

Race & ethnicity

86.3%

White86.3%

Black7.7%

Hispanic3%

Asian0.7%

Other2.2%

Education (25+)

36.6%

29.5%

25.3%

No HS diploma8.6%

HS diploma36.6%

Some college29.5%

Bachelor's+25.3%

Housing tenure

73.3%

26.7%

Owner73.3%

Renter26.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 40004 in Bardstown, KY has changed in 5 years

Income

$62,637 → $66,578

up 6.3%

Population

30,492 → 30,601

up 0.4%

Renter share

27.1% → 26.7%

-0.4 pts

Bachelor's+

22.9% → 25.3%

+2.4 pts

Local incomes tracked alongside that move, going from a median of $62,637 in 2021 to $66,578 more recently. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 22.9% to 25.3%.

Community

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Local insights

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About renting in ZIP 40004

Last updated: October 17, 2026

ZIP code 40004 covers Bardstown, KY. The median rent here is $1,011/mo as of October 2026. A 1-bedroom rents for a median of $790/mo. A 2-bedroom rents for a median of $1,030/mo.

At 18% of local median household income ($66,578/yr), ZIP 40004 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 15.9% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 40004?

To keep rent at or below 30% of gross income, you would need to earn at least $40,000/year (about $19/hour full-time) to afford the median rent of $1,011/mo in ZIP 40004. The local median household income is $66,578/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 40004?

Rent in ZIP 40004 has fallen 15.9% over the past year.

How does ZIP 40004 compare to other ZIPs in Kentucky?

ZIP 40004 is one of the more affordable among Kentucky ZIP codes for rent, ranking #75 of 78 at $1,011/mo. Over the year to September 2026, rent in ZIP 40004 changed -15.9%, against a typical +3.3% across the 63 Kentucky ZIP codes Zillow tracks.