PlainZIP

Clay City, KY · standard

ZIP Code 40312

Powell County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,898
40/sq mi
$42,564
Median income
$144,600
Median home value
11.3%
Bachelor's or higher

The verdict

Clay City pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

7th pct
household income, US ZIPs
24th pct
home value, US ZIPs
40
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40312 against every reporting US ZIP.

ZIP code 40312 is a mid-sized community (a standard USPS delivery area) in Clay City, Powell County, Kentucky, home to 5,898 residents across 147.1 square miles, a density of 40 people per square mile, in the New York time zone.

ZIP 40312 reports a modest median household income of $42,564 (29% below the Kentucky average), while per-capita income is $25,219. The poverty rate stands at 23.1% and the unemployment rate at 3.3%. The typical home here is valued at $144,600 (9% below the state average); renters pay a median of $711 monthly, and 69.0% of units are owner-occupied.

Formal educational attainment runs low here: just 11.3% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 28 minutes. A geography-based comparison follows: 2 ZIP codes within about 10 miles of 40312, plus 2 more within Powell County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 40312

Top 5 sectors by establishment count in Clay City, KY

Which industries have the most business establishments in ZIP 40312.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 40312, Clay City, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

5,898

Population

147.1

Area (sq mi)

40

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 40312?

41.1

Median Age

52.7%

Male

47.3%

Female

0.0%

Foreign-Born

White 96.8%
African American 1.1%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.1%
Hispanic or Latino 0.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$42,564

Median Household Income

-29% vs state

$25,219

Per Capita Income

23.1%

Poverty Rate

3.3%

Unemployment Rate

28.3 min

Mean Commute Time

How ZIP 40312 ranks nationally

Clay City, KY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$42,564 7th percentile higher than 7% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.6%
Bachelor's Degree or Higher 11.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,681

Total Housing Units

2,272

Occupied Units

409

Vacant Units

2.64

Avg Household Size

Occupancy Type

Owner 69.0%
Renter 31.0%

$144,600

Median Home Value

-9% vs state

$711

Median Rent

1984

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 62 business establishments in ZIP 40312, employing approximately 611 people with a combined annual payroll of $24,244,000.

62

Businesses

611

Employees

$24.2M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Retail trade 16 25.8%
Health care and social assistance 12 19.4%
Construction 8 12.9%
Manufacturing 6 9.7%
Other services (except public administration) 5 8.1%
Information 4 6.5%
Accommodation and food services 4 6.5%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 40312 vs 40337 →

ZIP 40312 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 40312 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40312 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 40312 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
40337 Jeffersonville, KY 5,501 8.1 mi
40472 Ravenna, KY 1,679 10.1 mi

More ZIP Codes in Powell County

40380 standard
Stanton, KY
Pop: 6,612
40376 standard
Slade, KY
Pop: 52

Related Areas

Powell County Clay City, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40312 in? ▼
ZIP code 40312 (Clay City) is located in Powell County, Kentucky. Powell County contains multiple ZIP codes, see the full list at /counties/powell-ky.
What is the population of ZIP code 40312? ▼
ZIP code 40312 in Clay City, KY has a population of 5,898 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40312? ▼
The median household income in ZIP 40312 is $42,564, which is 44% below the national average of $76,288.
What is the average home value in ZIP 40312? ▼
The median home value in ZIP 40312 is $144,600, which is 48% below the national average of $278,155.
What is the demographic makeup of ZIP 40312? ▼
The largest racial group in ZIP 40312 is White at 96.8%. Hispanic or Latino residents make up 0.6% of the population.
How many businesses are in ZIP code 40312? ▼
ZIP code 40312 has 62 business establishments employing approximately 611 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40312? ▼
The top industries by establishment count in ZIP 40312 are: Retail trade (16), Health care and social assistance (12), Construction (8). There are 7 industry sectors represented in total.
What is the education level in ZIP code 40312? ▼
In ZIP code 40312, 54.6% of residents aged 25+ have a high school diploma or higher, and 11.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 40312? ▼
The mean commute time for workers in ZIP code 40312 is 28.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40312? ▼
In ZIP code 40312, approximately 69.0% of occupied housing units are owner-occupied and 31.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40312? ▼
The poverty rate in ZIP code 40312 is 23.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.