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 Moderate-density area
- $42,564
- Median income Below-median income area
- $144,600
- Median home value Below-median home value
- 11.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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 average Kentucky ZIP), while per-capita income is $25,219. The poverty rate is 23.1%, so the area-level income figures should not be treated as typical household experience. Median home value is $144,600 (9% below the average Kentucky ZIP) and median rent is $711; 69.0% of occupied homes 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. The page also surfaces 2 ZIP codes within roughly 10 miles and 2 more in Powell County, so 40312 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
16 establishments
- Health care and social assistance
Health care and social assistance
12 establishments
- Construction
Construction
8 establishments
- Manufacturing 6
Manufacturing
6 establishments
- Other services (except public administration) 5
Other services (except public administration)
5 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, 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
Who lives in ZIP 40312?
41.1
Median Age
52.7%
Male
47.3%
Female
0.0%
Foreign-Born
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 ZIP avg
$25,219
Per Capita Income
23.1%
Poverty Rate
3.3%
Unemployment Rate
28.3 min
Mean Commute Time
How ZIP 40312 ranks among Kentucky ZIPs
Clay City, KY household income vs. every Kentucky ZIP code
Median household income among 646 reporting Kentucky ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$42,564 22nd percentile higher than 22% of 646 Kentucky ZIPs
Each bar is a $20K-wide band; taller bars hold more Kentucky 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,681housing units
2,681
Total Housing Units
2,272
Occupied Units
409
Vacant Units
2.64
Avg Household Size
Occupancy Type
$144,600
Median Home Value
-9% vs state ZIP avg
$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.
- 40312
Clay City (40312)
5,898 residents
- 40337
Jeffersonville (40337)
5,501 residents
- 40472 1,679
Ravenna (40472)
1,679 residents
What this shows Among its immediate neighbors, ZIP 40312 ranks the most populous - useful context the national average alone can't give.
ZIP 40312 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40337
Jeffersonville (40337)
$54,128 median income
- 40312
Clay City (40312)
$42,564 median income
- 40472
Ravenna (40472)
$41,328 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40312, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (5,898 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Powell County
Related Areas
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.
Related
Take this with you
What to do with ZIP 40312's numbers, next.
- See how ZIP 40312 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Clay City, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.