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Lawrence County · Kentucky

ZIP code 41232

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 41232 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
334

ZCTA residents

Median income
—

Household, past 12 months

Median home
$86,900

Owner-occupied value

Sales tax
6%

Kentucky state rate

Quick answer

ZIP 41232 sits in Lawrence County, Kentucky and is home to 334 people. Median household income is —, the median home is worth $86,900 and median gross rent is —. 75.2% of households own their home, and purchases are taxed at 6% (Kentucky state rate).

County
Lawrence County

FIPS 21127

State
Kentucky (KY)

779 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 41232

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
334ZIP 41232 residents
Median household income
—Past 12 months, inflation adjusted
Median home value
$86,900Owner-occupied units
Median gross rent
—Rent plus utilities, monthly
Median age
61.1 yrsAll residents
Homeownership rate
75.2%Owner-occupied households

ZIP 41232 in context

How this area compares with national benchmarks.

ZIP 41232 is a very small community in Lawrence County, Kentucky, with 334 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #639 of 779 ranked by population — larger than 17% 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 41232 earn a median of not published a year. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 35.7% 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 41232 is valued at $86,900, 71.4% below the national figure, while median gross rent runs not published a month. 75.2% 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.

A median age of 61.1 puts ZIP 41232 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 334 residents, a handful of survey responses moves every median on this page. Compare ZIP 41232 against its county rather than against national figures.

The Census withheld household income, gross rent for ZIP 41232 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.

Reading ZIP 41232 in context

How 41232 sits inside Lawrence County and Kentucky.

ZIP 41232 is tabulated inside Lawrence County, Kentucky, one of 7 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 41232 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 41232 reports a median household income of not published. Owner-occupied homes are valued at a median of $86,900, close to the county figure and 34% 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 41232.

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 41232 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.

Sales tax in 41232

What a purchase inside this ZIP costs at checkout.

Rate applied
6%State base rate only
Tax on $100
$6Rounded to the dollar
Tax on $1,000
$60Before any exemptions

Kentucky levies 6% statewide with no local add-ons. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
—Median rent ÷ median income
Price-to-income
—Home value ÷ household income
Est. mortgage
$451/mo20% down, 30-yr at 6.75%
Poverty rate
35.7%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 41232 compares

ZIP 41232 against the median ZIP in Lawrence County and across Kentucky.

MeasureZIP 41232County medianState medianvs state
Median household income—$44,495$53,906—
Median home value$86,900$85,150$130,850-34%
Median gross rent—$699$791—
Population3347221,457-77%

Medians are computed across the 7 ZIP areas in Lawrence County and the 779 ZIP areas in Kentucky.

Statewide rank

Where this ZIP places among all 779 Kentucky ZIP areas.

Income

Not published

—
Home value

above 22% of 654 state ZIPs

#508
Population

larger than 18% of 779 state ZIPs

#639

Nearby ZIP codes

Other ZIP codes filed under Lawrence County.

Adjacent ZIP Codes

Other ZIP codes in Lawrence County, Kentucky.

ZIP 41232 questions

Common questions about this ZIP code.

Where is ZIP code 41232?
ZIP 41232 lies mostly in Lawrence County, Kentucky. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 41232?
Kentucky charges 6% statewide.
Is 41232 expensive to live in?
Median rent runs — a month, and the median home is worth $86,900 — -34% against the typical Kentucky ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 41232, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.