ZIP code 42440

ZIP 42440 is a very small community in Hopkins County, Kentucky, with 746 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #518 of 779 ranked by population — larger than 33% of them. The median age here is 45.2 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 42440 earn a median of $38,750 a year, 50.7% 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 20.6% 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 42440 is valued at $99,000, 67.4% below the national figure, while median gross rent runs $688 a month, 51.1% below the national figure, or roughly $8,256 across a full year. A household on the local median income would put about 21.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 82.7% 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. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 746 residents, a handful of survey responses moves every median on this page. Compare ZIP 42440 against its county rather than against national figures.

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 42440 is tabulated inside Hopkins County, Kentucky, one of 10 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 42440 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 42440 reports a median household income of $38,750, 29% below the $54,485 county median, and 28% below the $53,906 typical KY ZIP. Owner-occupied homes are valued at a median of $99,000, 7% below the county figure and 24% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $688 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 42440.

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 42440 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.