The 364 area code is an overlay serving western Kentucky, including Bowling Green, Owensboro, and Paducah. Introduced in 2014, it was layered directly on top of the established 270 area code to supply fresh phone numbers across the western third of the state.
Quick Summary of the 364 Area Code
| Area Code | 364 |
| State | Kentucky (KY) |
| Region | Western Kentucky |
| Major Cities | Bowling Green, Owensboro, Paducah, Hopkinsville, Elizabethtown, Henderson, Madisonville, Murray |
| Time Zone | Mostly Central (CT); eastern edge Eastern (ET) |
| Dialing Format | 10-digit dialing required |
Geographic Coverage
The 364 area code shares an identical footprint with 270, covering western Kentucky from Paducah and the Jackson Purchase in the far west, through Hopkinsville, Madisonville, and Henderson, to Owensboro on the Ohio River, Bowling Green in the south-central Pennyroyal, and Elizabethtown near the eastern edge. Because it is an overlay rather than a separate region, a 364 number and a 270 number can exist on the same street.
Time Zone
The 364 area code spans two time zones. Most of western Kentucky – including Paducah, Bowling Green, Owensboro, and Hopkinsville – observes Central Time (CT), while the eastern edge of the region around Elizabethtown observes Eastern Time (ET). Both zones follow daylight saving time from mid-March through early November. When calling a 364 number, it helps to confirm whether the person is in the Central-time western part of the region or the Eastern-time eastern edge, since the two are one hour apart.
Tip: Business hours across the 364 region generally run 9:00 AM to 5:00 PM local time, Monday through Friday.
How to Dial a 364 Number
Because area code 364 operates as part of an overlay, 10-digit dialing is mandatory for every local and long-distance call. You must dial the full 10-digit number (364 + the seven-digit line number) even when calling a neighbor across the street. For international callers, dial your country’s exit code, then +1 (the North American country code), then 364, followed by the seven-digit local number.
Scam Alerts for the 364 Area Code
Like every U.S. area code, 364 has been used by scammers who spoof local numbers to appear trustworthy. Residents in Bowling Green, Owensboro, Paducah, Hopkinsville, Elizabethtown, Henderson, Madisonville, Murray should stay alert to the following common tactics:
| Scam Type | What to Watch For |
|---|---|
| IRS / Tax Scams | Threatening calls demanding immediate tax payment via gift cards or wire transfer. |
| Utility Shut-off | Impostors claiming to be your electric utility threatening to cut power unless you pay now. |
| Military / Veteran Scam | Calls targeting Fort Campbell and Fort Knox families with fake benefit solicitations. |
| Tech Support Fraud | Pop-ups or calls claiming your computer is infected and asking for remote access. |
If you receive a suspicious call from a 364 number, take these steps to protect yourself:
- Do not share personal information such as Social Security numbers, bank details, or passwords over the phone.
- Hang up and verify by calling the organization back using an official number from its website.
- Report the call to the FTC at reportfraud.ftc.gov and to the Kentucky Attorney General’s Office.
- Block the number and consider registering with the National Do Not Call Registry.
Red Flag: Legitimate agencies such as the IRS, Social Security Administration, or your local utility company (LG&E, Kentucky Utilities, or Kentucky Power) will never demand immediate payment by gift card, wire transfer, or cryptocurrency. Any 364 caller making such a demand is a scammer.
History and Economy of the 364 Region
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The 364 area code entered service in 2014 as an overlay for the entire 270 region. Overlays let regulators add a fresh supply of phone numbers to a crowded area without forcing existing customers to change their established numbers, so 364 covers precisely the same cities as 270. The regional economy is anchored by Western Kentucky University and the General Motors Corvette plant in Bowling Green, the bluegrass-music and bourbon heritage of Owensboro, the historic river port and arts community of Paducah, and the major military installations of Fort Campbell near Hopkinsville and Fort Knox near Elizabethtown, along with agriculture and coal. Because 364 is the newer of the two western-Kentucky codes, it appears most often on recently activated mobile numbers and new business lines.
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Looking Up a 364 Number
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To identify a 364 caller, use a reverse phone lookup or search the complete 10-digit number online. Because 364 is a newer code often used for mobile numbers, some callers may have a smaller public footprint, so never share personal or financial details with an unverified caller.
Nearby & Related Area Codes
Kentucky is served by five area codes. If you are researching 364, these neighboring and overlay codes are worth knowing:
- 270 – Western Kentucky (overlay partner)
- 502 – Louisville Metro & North Central KY
- 859 – Lexington & Central KY
- 606 – Eastern KY / Appalachia & Ashland
You can also browse our full directory of Kentucky area codes for more regional guides.
↑ See the complete list of All US Area Codes by State – every area code across all 50 states in one directory.
Explore Neighboring States
Researching area codes just across the state line? Start with these codes in the states that border Kentucky:
- Illinois – area code 312
- Indiana – area code 317
- Ohio – area code 216
- West Virginia – area code 304
- Virginia – area code 804
- Tennessee – area code 615
- Missouri – area code 314
Frequently Asked Questions
Where is the 364 area code located?
The 364 area code serves western Kentucky as an overlay of 270, covering Bowling Green, Owensboro, Paducah, Hopkinsville, Elizabethtown, Henderson, and Madisonville.
Why does 364 cover the same area as 270?
364 is an overlay added in 2014 because the 270 region ran short of available phone numbers. Both codes serve the exact same geographic area.
Do I have to dial 10 digits for 364?
Yes. Overlay area codes like 364 always require 10-digit dialing for local calls.
What time zone is the 364 area code in?
Most of the 364 region is on Central Time, while the eastern edge around Elizabethtown is on Eastern Time – the same split that applies to 270.
Related 364 Guides
- Is a 364 call safe? Read Is area code 364 a scam? Spam & safety guide.
- Local coverage: see the Bowling Green area code guide.
- Worried about spam or robocalls? Browse our Scam Alerts directory.