ZIP Code 40312

ZIP code 40312 is classified by USPS as a standard delivery area and covers roughly 147.1 square miles in Clay City, Powell County, Kentucky. The area is home to 5,898 residents, producing a population density of 40 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 40312 against Kentucky and the nation.

On the economic side, the median household income for ZIP 40312 sits at $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%. On housing, the median home value is $144,600 (9% below the state average) with median rent at $711 per month, and 69.0% of occupied units are owner-occupied, a direct signal of whether 40312 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 11.3% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 28 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 2 additional ZIPs sharing Powell County, so you can benchmark 40312 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →