ZIP 40823 vs ZIP 40807

This side-by-side compares ZIP 40823 (Cumberland, KY) and ZIP 40807 (Benham, KY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 40823 has a population of 4,231 at 28 people per square mile, while ZIP 40807 has 337 at 424 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 40823 reports a median household income of $35,402 against $49,118 in ZIP 40807, with per-capita income of $19,260 vs $26,546. The share of adults holding a bachelor's degree or higher is 15.7% in 40823 and 20.7% in 40807. Poverty rate reads 42.0% vs 18.4%, and unemployment 15.2% vs 10.6% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $70,500 in 40823 versus $55,500 in 40807, with median rent of $633 and $769 per month respectively. Homeownership rate is 55.9% vs 79.2%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.