ZIP code 41425

ZIP 41425 is a small town in Morgan County, Kentucky, with 1,146 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #428 of 779 ranked by population — larger than 45% of them. The median age here is 46 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 41425 earn a median of $40,208 a year, 48.8% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 25.5% 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 41425 is valued at $78,400, 74.2% below the national figure, while median gross rent runs $1,278 a month, 9.1% below the national figure, or roughly $15,336 across a full year. A household on the local median income would put about 38.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 1.9×, 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. 87.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. 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.

ZIP 41425 is the unusual combination of expensive to rent and cheap to buy: rent takes 38.1% of median income while homes cost only 1.9× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price.

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 41425 is tabulated inside Morgan 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 41425 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 41425 reports a median household income of $40,208, 8% below the $43,924 county median, and 25% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $78,400, 12% below the county figure and 40% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,278 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 41425.

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 41425 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.