Fincastle, KY population, income and ZIP codes

Fincastle city is a very small community in Kentucky, with 606 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #324 of 554 ranked by population — larger than 41% of them. The median age here is 47.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Fincastle city earn a median of $85,500 a year, 8.9% above the national figure of $78,538 and 54% above the $55,469 median for the 246 Kentucky cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 10.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Fincastle city is valued at $253,300, 16.5% below the national figure and 61% above the $157,200 peer median, while median gross rent runs $1,542 a month, 9.7% above the national figure, or roughly $18,504 across a full year. A household on the local median income would put about 21.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 92.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 606 residents, a handful of survey responses moves every median on this page. Compare Fincastle city against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.