PlainZIP

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
$35,402
Median income
$70,500
Median home value
15.7%
Bachelor's or higher

The verdict

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.

3th pct
household income, US ZIPs
3th 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 Kentucky average), while per-capita income is $19,260. The poverty rate stands at 42.0% and the unemployment rate at 15.2%. Median home value sits at $70,500 (56% below the state average), median rent at $633 a month, and owner-occupancy at 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 -. To put 40823 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Harlan County, for a geography-aware comparison.

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.

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 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

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 40823?

31.6

Median Age

47.2%

Male

52.8%

Female

0.0%

Foreign-Born

White 93.1%
African American 1.3%
Asian 0.0%
American Indian or Alaska Native 0.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.8%
Hispanic or Latino 0.0%

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

$19,260

Per Capita Income

42.0%

Poverty Rate

15.2%

Unemployment Rate

How ZIP 40823 ranks nationally

Cumberland, KY household income vs. every US ZIP code

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

$35,402 3rd percentile higher than 3% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $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 45.9%
Bachelor's Degree or Higher 15.7%

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

What does housing look like?

1,817

Total Housing Units

1,516

Occupied Units

301

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 55.9%
Renter 44.1%

$70,500

Median Home Value

-56% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 40823 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 40823 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 40823 ranks #6 of 7 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
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

More ZIP Codes in Harlan County

40831 standard
Harlan, KY
Pop: 5,150
40828 standard
Evarts, KY
Pop: 3,965
40806 standard
Baxter, KY
Pop: 2,499
40873 standard
Wallins Creek, KY
Pop: 2,390
40810 standard
Bledsoe, KY
Pop: 1,548
40815 standard
Cawood, KY
Pop: 1,534

Related Areas

Harlan County Cumberland, KY Kentucky

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.

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