ZIP code 40977

ZIP 40977 is a mid-size town in Bell County, Kentucky, with 8,218 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #147 of 779 ranked by population — larger than 81% of them. The median age here is 39.8 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 ZIP 40977 earn a median of $35,822 a year, 54.4% 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 23.8% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 40977 is valued at $83,700, 72.4% below the national figure, while median gross rent runs $500 a month, 64.4% below the national figure, or roughly $6,000 across a full year. A household on the local median income would put about 16.7% 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 2.3×, 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. 63.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.

ZIP 40977 is tabulated inside Bell County, Kentucky, one of 11 ZIP areas the Census publishes for that county and 779 across Kentucky. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 40977 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 40977 reports a median household income of $35,822, close to the $36,576 county median, and 34% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $83,700, close to the county figure and 36% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $500 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 40977.

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 40977 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.