ZIP code 41132

ZIP 41132 is a very small community in Carter County, Kentucky, with 516 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #580 of 779 ranked by population — larger than 25% of them. The median age here is 29.1 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 41132 earn a median of $40,405 a year, 48.6% below the national figure of $78,538. 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 15.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 41132 is valued at $101,600, 66.5% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 2.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 56% 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.

A median age of 29.1 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address. With 516 residents, a handful of survey responses moves every median on this page. Compare ZIP 41132 against its county rather than against national figures.

The Census withheld gross rent for ZIP 41132 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 41132 is tabulated inside Carter County, Kentucky, one of 6 ZIP areas the Census publishes for that county and 779 across Kentucky. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 41132 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 41132 reports a median household income of $40,405, 12% below the $46,004 county median, and 25% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $101,600, close to the county figure and 22% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 41132.

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 41132 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.