ZIP 40865 vs ZIP 40870

This side-by-side compares ZIP 40865 (Putney, KY) and ZIP 40870 (Totz, KY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 40865 has a population of 410 at 51 people per square mile, while ZIP 40870 has 279 at 15 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 40865 reports a median household income of $56,820 against $51,452 in ZIP 40870, with per-capita income of $27,459 vs $25,994. The share of adults holding a bachelor's degree or higher is 7.7% in 40865 and 9.8% in 40870. Poverty rate reads 2.8% vs 5.0%, and unemployment 0.0% vs 22.7% — 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 $69,400 in 40865 versus $132,000 in 40870, with median rent of — and — per month respectively. Homeownership rate is 88.3% vs 99.1%. 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.