ZIP code 42086

ZIP 42086 is a small town in McCracken County, Kentucky, with 4,313 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #224 of 779 ranked by population — larger than 71% of them. The median age here is 40.9 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 42086 earn a median of $86,328 a year, 9.9% above the national figure of $78,538. 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 6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 42086 is valued at $175,300, 42.2% below the national figure, while median gross rent runs $985 a month, 29.9% below the national figure, or roughly $11,820 across a full year. A household on the local median income would put about 13.7% 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×, 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. 80.9% 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. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 42086 is tabulated inside McCracken County, Kentucky, one of 3 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 42086 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 42086 reports a median household income of $86,328, 25% above the $68,868 county median, and 60% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $175,300, close to the county figure and 34% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $985 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 42086.

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 42086 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.