Cumberland, KY · standard
ZIP Code 40823
Harlan County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,231
- 28/sq mi Moderate-density area
- $35,402
- Median income Below-median income area
- $70,500
- Median home value Below-median home value
- 15.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Cumberland pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, mixed-tenure area.
- 3rd pct
- household income, US ZIPs
- 3rd pct
- home value, US ZIPs
- 28
- people per sq mi
- 56%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40823 against every reporting US ZIP.
ZIP code 40823 covers 150.0 square miles in Cumberland, Harlan County, Kentucky (a standard USPS delivery area), with a modest 4,231 residents on file, a density of 28 people per square mile, in the New York time zone.
ZIP 40823 sits on the lower end of the income spectrum: median household income is $35,402 (41% below the average Kentucky ZIP), while per-capita income is $19,260. Economic pressure is pronounced: 42.0% of residents are below the poverty line and unemployment is 15.2%. Home values sit below the statewide ZIP benchmark: the median is $70,500 (56% below the average Kentucky ZIP), and median rent is $633; owner occupancy is 55.9%.
Educational attainment sits below the national norm: 15.7% of adults hold a bachelor's degree or higher, the median age is 31.6, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Harlan County, so 40823 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 40823
Top 5 sectors by establishment count in Cumberland, KY
Which industries have the most business establishments in ZIP 40823.
- Retail trade
Retail trade
17 establishments
- Health care and social assistance 5
Health care and social assistance
5 establishments
- Accommodation and food services 5
Accommodation and food services
5 establishments
- Finance and insurance 4
Finance and insurance
4 establishments
- Other services (except public administration) 4
Other services (except public administration)
4 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 40823, Cumberland, 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
4,231
Population
150.0
Area (sq mi)
28
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40823?
31.6
Median Age
47.2%
Male
52.8%
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?
$35,402
Median Household Income
-41% vs state ZIP avg
$19,260
Per Capita Income
42.0%
Poverty Rate
15.2%
Unemployment Rate
How ZIP 40823 ranks among Kentucky ZIPs
Cumberland, 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)
$35,402 11th percentile higher than 11% 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
1,817housing units
1,817
Total Housing Units
1,516
Occupied Units
301
Vacant Units
2.42
Avg Household Size
Occupancy Type
$70,500
Median Home Value
-56% vs state ZIP avg
$633
Median Rent
1975
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 47 business establishments in ZIP 40823, employing approximately 900 people with a combined annual payroll of $36,671,000.
47
Businesses
900
Employees
$36.7M
Annual Payroll
5
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 17 | 36.2% |
| Health care and social assistance | 5 | 10.6% |
| Accommodation and food services | 5 | 10.6% |
| Finance and insurance | 4 | 8.5% |
| Other services (except public administration) | 4 | 8.5% |
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 40823 vs 40807 →
ZIP 40823 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40823
Cumberland (40823)
4,231 residents
- 24265 930
Keokee (24265)
930 residents
- 40855 860
Lynch (40855)
860 residents
- 40862 647
Partridge (40862)
647 residents
- 41821 537
Hallie (41821)
537 residents
- 40927 482
Closplint (40927)
482 residents
- 41819 392
Gordon (41819)
392 residents
- 40807 337
Benham (40807)
337 residents
- 41833 321
Linefork (41833)
321 residents
What this shows Among its immediate neighbors, ZIP 40823 ranks the most populous - useful context the national average alone can't give.
ZIP 40823 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40927
Closplint (40927)
$52,381 median income
- 40807
Benham (40807)
$49,118 median income
- 41735
Delphia (41735)
$45,893 median income
- 24265
Keokee (24265)
$42,727 median income
- 40862
Partridge (40862)
$41,992 median income
- 40823
Cumberland (40823)
$35,402 median income
- 40855
Lynch (40855)
$29,891 median income
What this shows By household income, ZIP 40823 ranks #6 of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 40807 | Benham, KY | 337 | 2.8 mi |
| 40843 | Holmes Mill, KY | 259 | 4.5 mi |
| 41833 | Linefork, KY | 321 | 5.2 mi |
| 41819 | Gordon, KY | 392 | 5.0 mi |
| 40855 | Lynch, KY | 860 | 5.8 mi |
| 41821 | Hallie, KY | 537 | 8.0 mi |
| 40927 | Closplint, KY | 482 | 6.6 mi |
| 41735 | Delphia, KY | 295 | 7.1 mi |
| 40862 | Partridge, KY | 647 | 7.7 mi |
| 24265 | Keokee, VA | 930 | 9.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40823, 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 (4,231 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Harlan County
Related Areas
Frequently Asked Questions
What county is ZIP code 40823 in?
ZIP code 40823 (Cumberland) is located in Harlan County, Kentucky. Harlan County contains multiple ZIP codes, see the full list at /counties/harlan-ky.
What is the population of ZIP code 40823?
ZIP code 40823 in Cumberland, KY has a population of 4,231 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40823?
The median household income in ZIP 40823 is $35,402, which is 54% below the national average of $76,288.
What is the average home value in ZIP 40823?
The median home value in ZIP 40823 is $70,500, which is 75% below the national average of $278,155.
What is the demographic makeup of ZIP 40823?
The largest racial group in ZIP 40823 is White at 93.1%.
How many businesses are in ZIP code 40823?
ZIP code 40823 has 47 business establishments employing approximately 900 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40823?
The top industries by establishment count in ZIP 40823 are: Retail trade (17), Health care and social assistance (5), Accommodation and food services (5). There are 5 industry sectors represented in total.
What is the education level in ZIP code 40823?
In ZIP code 40823, 45.9% of residents aged 25+ have a high school diploma or higher, and 15.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 40823?
In ZIP code 40823, approximately 55.9% of occupied housing units are owner-occupied and 44.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40823?
The poverty rate in ZIP code 40823 is 42.0% 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 40823's numbers, next.
- See how ZIP 40823 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cumberland, 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.