ZIP code 42104

ZIP 42104 is a small city in Warren County, Kentucky, with 41,273 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #16 of 779 ranked by population — larger than 98% of them. The median age here is 37.1 years against 39.1 nationally, a slightly younger 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 42104 earn a median of $73,975 a year, 5.8% 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 11.2% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 42104 is valued at $282,600, 6.9% below the national figure, while median gross rent runs $980 a month, 30.3% below the national figure, or roughly $11,760 across a full year. A household on the local median income would put about 15.9% 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 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 61.5% 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.

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 42104 is tabulated inside Warren County, Kentucky, one of 8 ZIP areas the Census publishes for that county and 779 across Kentucky. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. 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 42104 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 42104 reports a median household income of $73,975, 6% above the $69,946 county median, and 37% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $282,600, 4% above the county figure and 116% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $980 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 42104.

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 42104 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.