ZIP code 40964

ZIP 40964 is a very small community in Harlan County, Kentucky, with 104 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #721 of 779 ranked by population — larger than 7% of them. The median age here is 61.1 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 ZIP 40964 earn a median of not published a year. 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 17.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 40964 is valued at not published, while median gross rent runs $588 a month, 58.2% below the national figure, or roughly $7,056 across a full year. 56.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 61.1 puts ZIP 40964 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 104 residents, a handful of survey responses moves every median on this page. Compare ZIP 40964 against its county rather than against national figures.

The Census withheld household income, home value for ZIP 40964 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 40964 is tabulated inside Harlan County, Kentucky, one of 25 ZIP areas the Census publishes for that county and 779 across Kentucky. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 40964 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40964 reports a median household income of not published. Owner-occupied homes are valued at a median of not published. Rent is reported gross — the contract amount plus tenant-paid utilities — at $588 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Kentucky charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 40964.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 40964 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.