Zip lookup · KY

40045
Milton, Kentucky.

Milton, Trimble County, KY · population 3,251

What it costs per month · 40045 $1,197/mo

to buy the typical home at today's mortgage rate — +$644 (+116%) since Jan 2020.

What the home itself did
1 year
Up $1,884 +1%
$226,194$228,078 since Sep 2025
5 years
Up $40,441 +22%
$187,636$228,078 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 40045 $1,197 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 40045$1,197
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 18 years.

Typical home values in zip 40045 rose 0.8% over the past year — slower than the nation's +1.2%.

This zip spans 2 counties: Trimble County, KY 72% · Carroll County, KY 28%

Zillow also publishes an index for the city itself: Milton, KY — measured over the city limits, which is a different area from this zip.

Typical home value $228,078 as of Sep 2026
+0.8%year on year

Typical home value — 40045

Mid-tier homes, smoothed and seasonally adjusted.

$150,000 $200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 40045 $228,078 United States $366,157
$150,000 $200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 40045$228,078
  • United States$366,157

Within 20 miles

Miles sorted ascending, activate to sort descending Zip activate to sort by Zip City activate to sort by City Population activate to sort by Population Rent activate to sort by Rent Home value activate to sort by Home value
6.9 40006 Bedford 5,068 — $247,102
6.9 47243 Hanover 6,225 — $221,726
8.6 47250 Madison 22,884 $1,500 $241,132
10.4 41008 Carrollton 7,698 — $181,302
12.0 47162 New Washington 514 — $229,260
12.0 47147 Nabb 1,317 — $284,560
13.0 47138 Lexington 4,859 — $252,745
13.5 40055 Pendleton 1,942 — $348,982
14.1 40077 Westport 678 — $335,412
15.1 40011 Campbellsburg 2,379 — $232,781
15.2 47224 Canaan 523 — $326,845
15.5 47043 Vevay 4,852 — $243,721
16.0 40075 Turners Station 1,151 — $241,645
16.0 40070 Sulphur 360 — $274,182
16.1 47231 Dupont 675 — $225,845
16.4 47230 Deputy 2,086 — $229,358
16.9 47141 Marysville 1,584 — $305,375
18.2 41045 Ghent 1,203 — $191,937
18.6 40031 La Grange 26,259 $1,907 $390,850
19.4 47017 Cross Plains 540 — $298,935
19.7 40050 New Castle 2,045 — $213,729
19.8 47011 Bennington 1,420 — $329,783
19.9 41083 Sanders 1,663 — $225,153

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.