PlainZIP

Williamsburg, KY · standard

ZIP Code 40769

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

18,507
24/sq mi
$43,878
Median income
$105,500
Median home value
19.6%
Bachelor's or higher

The verdict

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

8th pct
household income, US ZIPs
11th pct
home value, US ZIPs
24
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40769 against every reporting US ZIP.

ZIP code 40769 is a mid-sized community (a standard USPS delivery area) in Williamsburg, Whitley County, Kentucky, home to 18,507 residents across 761.6 square miles, a density of 24 people per square mile, in the New York time zone.

ZIP 40769 reports a modest median household income of $43,878 (26% below the Kentucky average), while per-capita income is $20,976. Local economic indicators show a 29.7% poverty rate alongside 7.1% unemployment. On housing, the median home value is $105,500 (34% below the state average) with median rent at $840 per month, and 61.1% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 19.6% of adults hold a bachelor's degree or higher, the median age is 30.8, and the average commute is 24 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Whitley County, so you can benchmark 40769 against its immediate geography rather than a 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 40769

Top 5 sectors by establishment count in Williamsburg, KY

Which industries have the most business establishments in ZIP 40769.

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 40769, Williamsburg, 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

18,507

Population

761.6

Area (sq mi)

24

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 40769?

30.8

Median Age

47.4%

Male

52.6%

Female

1.0%

Foreign-Born

White 94.2%
African American 1.7%
Asian 0.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.4%
Hispanic or Latino 3.8%

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?

$43,878

Median Household Income

-26% vs state

$20,976

Per Capita Income

29.7%

Poverty Rate

7.1%

Unemployment Rate

23.7 min

Mean Commute Time

How ZIP 40769 ranks nationally

Williamsburg, KY household income vs. every US ZIP code

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

$43,878 8th percentile higher than 8% 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 62.0%
Bachelor's Degree or Higher 19.6%

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

What does housing look like?

7,262

Total Housing Units

6,103

Occupied Units

1,159

Vacant Units

2.74

Avg Household Size

Occupancy Type

Owner 61.1%
Renter 38.9%

$105,500

Median Home Value

-34% vs state

$840

Median Rent

1990

Median Year Built

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

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+31.3%

YoY Change (2022)

201

HPI Index (2000 = 100)

+101%

Total Change Since 2000

Home values in ZIP 40769 have increased 31.3% over the past year (2022). Since 2000, this ZIP has seen +101% cumulative appreciation.

Year Annual Change HPI Index
2018 +2.8% 140
2019 -6.1% 132
2020 +12.6% 148
2021 +3.0% 153
2022 +31.3% 201

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2022. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 205 business establishments in ZIP 40769, employing approximately 4,322 people with a combined annual payroll of $174,331,000.

205

Businesses

4,322

Employees

$174.3M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 58 28.3%
Accommodation and food services 33 16.1%
Health care and social assistance 31 15.1%
Other services (except public administration) 18 8.8%
Finance and insurance 13 6.3%
Construction 10 4.9%
Professional, scientific, and technical services 9 4.4%
Wholesale trade 6 2.9%
Real estate and rental and leasing 6 2.9%
Mining, quarrying, and oil and gas extraction 5 2.4%
Information 4 1.9%
Manufacturing 3 1.5%
Transportation and warehousing 3 1.5%
Administrative and support and waste management and remediation services 3 1.5%

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 40769 vs 37762 →

ZIP 40769 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 40769 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 40769 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 40769 ranks the highest 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
37762 Jellico, TN 3,126 9.6 mi
40759 Rockholds, KY 2,531 9.7 mi
40771 Woodbine, KY 1,068 12.6 mi

More ZIP Codes in Whitley County

40701 standard
Corbin, KY
Pop: 29,497
40759 standard
Rockholds, KY
Pop: 2,531
40940 standard
Frakes, KY
Pop: 478
40763 standard
Siler, KY
Pop: 469

Related Areas

Whitley County Williamsburg, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40769 in? ▼
ZIP code 40769 (Williamsburg) is located in Whitley County, Kentucky. Whitley County contains multiple ZIP codes, see the full list at /counties/whitley-ky.
What is the population of ZIP code 40769? ▼
ZIP code 40769 in Williamsburg, KY has a population of 18,507 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40769? ▼
The median household income in ZIP 40769 is $43,878, which is 42% below the national average of $76,288.
What is the average home value in ZIP 40769? ▼
The median home value in ZIP 40769 is $105,500, which is 62% below the national average of $278,155.
What is the demographic makeup of ZIP 40769? ▼
The largest racial group in ZIP 40769 is White at 94.2%. Hispanic or Latino residents make up 3.8% of the population.
How many businesses are in ZIP code 40769? ▼
ZIP code 40769 has 205 business establishments employing approximately 4,322 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40769? ▼
The top industries by establishment count in ZIP 40769 are: Retail trade (58), Accommodation and food services (33), Health care and social assistance (31). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 40769? ▼
According to the FHFA House Price Index, home values in ZIP 40769 increased by 31.3% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 101%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 40769? ▼
In ZIP code 40769, 62.0% of residents aged 25+ have a high school diploma or higher, and 19.6% 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 40769? ▼
The mean commute time for workers in ZIP code 40769 is 23.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40769? ▼
In ZIP code 40769, approximately 61.1% of occupied housing units are owner-occupied and 38.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40769? ▼
The poverty rate in ZIP code 40769 is 29.7% 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.