Middlesboro, KY · standard
ZIP Code 40965
Bell County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 13,570
- 73/sq mi Moderate-density area
- $28,685
- Median income Below-median income area
- $95,200
- Median home value Below-median home value
- 18.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Middlesboro pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, mixed-tenure area.
- 2nd pct
- household income, US ZIPs
- 8th pct
- home value, US ZIPs
- 73
- people per sq mi
- 54%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40965 against every reporting US ZIP.
ZIP code 40965 is a mid-sized community (a standard USPS delivery area) in Middlesboro, Bell County, Kentucky, home to 13,570 residents across 186.4 square miles, a density of 73 people per square mile, in the New York time zone.
ZIP 40965 sits on the lower end of the income spectrum: median household income is $28,685 (52% below the average Kentucky ZIP), while per-capita income is $21,508. Economic pressure is pronounced: 31.8% of residents are below the poverty line and unemployment is 10.8%. Home values sit below the statewide ZIP benchmark: the median is $95,200 (40% below the average Kentucky ZIP), and median rent is $595; owner occupancy is 54.1%.
Educational attainment sits below the national norm: 18.0% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is -. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Bell County, so 40965 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 40965
Top 5 sectors by establishment count in Middlesboro, KY
Which industries have the most business establishments in ZIP 40965.
- Retail trade
Retail trade
76 establishments
- Health care and social assistance
Health care and social assistance
51 establishments
- Accommodation and food services
Accommodation and food services
40 establishments
- Other services (except public administration)
Other services (except public administration)
34 establishments
- Finance and insurance 24
Finance and insurance
24 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 40965, Middlesboro, 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
13,570
Population
186.4
Area (sq mi)
73
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40965?
40.4
Median Age
49.9%
Male
50.1%
Female
0.6%
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?
$28,685
Median Household Income
-52% vs state ZIP avg
$21,508
Per Capita Income
31.8%
Poverty Rate
10.8%
Unemployment Rate
How ZIP 40965 ranks among Kentucky ZIPs
Middlesboro, 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)
$28,685 5th percentile higher than 5% 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
6,052housing units
6,052
Total Housing Units
5,238
Occupied Units
814
Vacant Units
2.18
Avg Household Size
Occupancy Type
$95,200
Median Home Value
-40% vs state ZIP avg
$595
Median Rent
1976
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 318 business establishments in ZIP 40965, employing approximately 5,192 people with a combined annual payroll of $199,405,000.
318
Businesses
5,192
Employees
$199.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 76 | 23.9% |
| Health care and social assistance | 51 | 16.0% |
| Accommodation and food services | 40 | 12.6% |
| Other services (except public administration) | 34 | 10.7% |
| Finance and insurance | 24 | 7.5% |
| Professional, scientific, and technical services | 16 | 5.0% |
| Real estate and rental and leasing | 14 | 4.4% |
| Manufacturing | 11 | 3.5% |
| Construction | 9 | 2.8% |
| Information | 9 | 2.8% |
| Wholesale trade | 7 | 2.2% |
| Administrative and support and waste management and remediation services | 7 | 2.2% |
| Arts, entertainment, and recreation | 5 | 1.6% |
| Mining, quarrying, and oil and gas extraction | 4 | 1.3% |
| Utilities | 4 | 1.3% |
| Transportation and warehousing | 4 | 1.3% |
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 40965 vs 37724 →
ZIP 40965 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40965
Middlesboro (40965)
13,570 residents
- 40977
Pineville (40977)
10,362 residents
- 37724 2,874
Cumberland Gap (37724)
2,874 residents
- 40813 669
Calvin (40813)
669 residents
- 40995 121
Trosper (40995)
121 residents
What this shows Among its immediate neighbors, ZIP 40965 ranks the most populous - useful context the national average alone can't give.
ZIP 40965 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40813
Calvin (40813)
$81,204 median income
- 40977
Pineville (40977)
$37,917 median income
- 40995
Trosper (40995)
$36,188 median income
- 37724 $31,941
Cumberland Gap (37724)
$31,941 median income
- 40965 $28,685
Middlesboro (40965)
$28,685 median income
What this shows By household income, ZIP 40965 ranks #5 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40965, 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 (13,570 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bell County
Related Areas
Frequently Asked Questions
What county is ZIP code 40965 in?
ZIP code 40965 (Middlesboro) is located in Bell County, Kentucky. Bell County contains multiple ZIP codes, see the full list at /counties/bell-ky.
What is the population of ZIP code 40965?
ZIP code 40965 in Middlesboro, KY has a population of 13,570 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40965?
The median household income in ZIP 40965 is $28,685, which is 62% below the national average of $76,288.
What is the average home value in ZIP 40965?
The median home value in ZIP 40965 is $95,200, which is 66% below the national average of $278,155.
What is the demographic makeup of ZIP 40965?
The largest racial group in ZIP 40965 is White at 89.4%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 40965?
ZIP code 40965 has 318 business establishments employing approximately 5,192 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40965?
The top industries by establishment count in ZIP 40965 are: Retail trade (76), Health care and social assistance (51), Accommodation and food services (40). There are 16 industry sectors represented in total.
What is the education level in ZIP code 40965?
In ZIP code 40965, 49.4% of residents aged 25+ have a high school diploma or higher, and 18.0% 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 40965?
In ZIP code 40965, approximately 54.1% of occupied housing units are owner-occupied and 45.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40965?
The poverty rate in ZIP code 40965 is 31.8% 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 40965's numbers, next.
- See how ZIP 40965 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Middlesboro, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.