ZIP code 42286

ZIP 42286 is a small town in Todd County, Kentucky, with 2,143 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #320 of 779 ranked by population — larger than 58% of them. The median age here is 22.1 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 42286 earn a median of $66,897 a year, 14.8% 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 44% 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 42286 is valued at $196,200, 35.3% below the national figure, while median gross rent runs $874 a month, 37.8% below the national figure, or roughly $10,488 across a full year. A household on the local median income would put about 15.7% 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 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 71% 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 22.1 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.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 42286 is tabulated inside Todd County, Kentucky, one of 5 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 42286 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 42286 reports a median household income of $66,897, 17% above the $57,067 county median, and 24% above the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $196,200, 33% above the county figure and 50% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $874 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 42286.

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 42286 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.