Manchester, KY · standard
ZIP Code 40962
Clay County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 19,143
- 20/sq mi Moderate-density area
- $42,852
- Median income Below-median income area
- $103,000
- Median home value Below-median home value
- 16.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Manchester 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
- 11th pct
- home value, US ZIPs
- 20
- people per sq mi
- 77%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40962 against every reporting US ZIP.
ZIP code 40962 is a mid-sized community (a standard USPS delivery area) in Manchester, Clay County, Kentucky, home to 19,143 residents across 962.0 square miles, a density of 20 people per square mile, in the New York time zone.
ZIP 40962 reports a modest median household income of $42,852 (28% below the average Kentucky ZIP), while per-capita income is $22,435. Economic pressure is pronounced: 33.1% of residents are below the poverty line and unemployment is 10.0%. Home values sit below the statewide ZIP benchmark: the median is $103,000 (35% below the average Kentucky ZIP), and median rent is $699; owner occupancy is 76.5%.
Educational attainment sits below the national norm: 16.4% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is 28 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 5 more in Clay County, so 40962 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 40962
Top 5 sectors by establishment count in Manchester, KY
Which industries have the most business establishments in ZIP 40962.
- Retail trade
Retail trade
59 establishments
- Health care and social assistance
Health care and social assistance
36 establishments
- Construction 21
Construction
21 establishments
- Other services (except public administration) 18
Other services (except public administration)
18 establishments
- Accommodation and food services 17
Accommodation and food services
17 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 40962, Manchester, 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
19,143
Population
962.0
Area (sq mi)
20
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40962?
39.9
Median Age
51.6%
Male
48.4%
Female
0.9%
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?
$42,852
Median Household Income
-28% vs state ZIP avg
$22,435
Per Capita Income
33.1%
Poverty Rate
10.0%
Unemployment Rate
28.4 min
Mean Commute Time
How ZIP 40962 ranks among Kentucky ZIPs
Manchester, 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)
$42,852 23rd percentile higher than 23% 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
7,377housing units
7,377
Total Housing Units
6,294
Occupied Units
1,083
Vacant Units
2.53
Avg Household Size
Occupancy Type
$103,000
Median Home Value
-35% vs state ZIP avg
$699
Median Rent
1989
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 215 business establishments in ZIP 40962, employing approximately 2,505 people with a combined annual payroll of $96,526,000.
215
Businesses
2,505
Employees
$96.5M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 59 | 27.4% |
| Health care and social assistance | 36 | 16.7% |
| Construction | 21 | 9.8% |
| Other services (except public administration) | 18 | 8.4% |
| Accommodation and food services | 17 | 7.9% |
| Professional, scientific, and technical services | 16 | 7.4% |
| Finance and insurance | 10 | 4.7% |
| Real estate and rental and leasing | 7 | 3.3% |
| Manufacturing | 5 | 2.3% |
| Transportation and warehousing | 5 | 2.3% |
| Information | 5 | 2.3% |
| Wholesale trade | 4 | 1.9% |
| Administrative and support and waste management and remediation services | 4 | 1.9% |
| Mining, quarrying, and oil and gas extraction | 3 | 1.4% |
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 40962 vs 40941 →
ZIP 40962 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40962
Manchester (40962)
19,143 residents
- 40972 1,327
Oneida (40972)
1,327 residents
- 40941 251
Garrard (40941)
251 residents
What this shows Among its immediate neighbors, ZIP 40962 ranks the most populous - useful context the national average alone can't give.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40962, 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 (19,143 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Clay County
Related Areas
Frequently Asked Questions
What county is ZIP code 40962 in?
ZIP code 40962 (Manchester) is located in Clay County, Kentucky. Clay County contains multiple ZIP codes, see the full list at /counties/clay-ky.
What is the population of ZIP code 40962?
ZIP code 40962 in Manchester, KY has a population of 19,143 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40962?
The median household income in ZIP 40962 is $42,852, which is 44% below the national average of $76,288.
What is the average home value in ZIP 40962?
The median home value in ZIP 40962 is $103,000, which is 63% below the national average of $278,155.
What is the demographic makeup of ZIP 40962?
The largest racial group in ZIP 40962 is White at 91.5%. Hispanic or Latino residents make up 2.3% of the population.
How many businesses are in ZIP code 40962?
ZIP code 40962 has 215 business establishments employing approximately 2,505 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40962?
The top industries by establishment count in ZIP 40962 are: Retail trade (59), Health care and social assistance (36), Construction (21). There are 14 industry sectors represented in total.
What is the education level in ZIP code 40962?
In ZIP code 40962, 54.3% of residents aged 25+ have a high school diploma or higher, and 16.4% 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 40962?
The mean commute time for workers in ZIP code 40962 is 28.4 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 40962?
In ZIP code 40962, approximately 76.5% of occupied housing units are owner-occupied and 23.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40962?
The poverty rate in ZIP code 40962 is 33.1% 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 40962's numbers, next.
- See how ZIP 40962 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Manchester, 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.