Boyd ZIP codes — Boyd County, Kentucky

Boyd County is a small city in Kentucky, with 48,043 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 42.4 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Boyd County earn a median of $60,659 a year, 22.8% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 17.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Boyd County is valued at $126,300, 58.4% below the national figure, while median gross rent runs $839 a month, 40.3% below the national figure, or roughly $10,068 across a full year. A household on the local median income would put about 16.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.1×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 68.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

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.