PlainZIP

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
$28,685
Median income
$95,200
Median home value
18.0%
Bachelor's or higher

The verdict

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.

2th 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 Kentucky average), while per-capita income is $21,508. 31.8% of residents live below the poverty line, and the unemployment rate reads 10.8%. On housing, the median home value is $95,200 (40% below the state average) with median rent at $595 per month, and 54.1% of occupied units are owner-occupied.

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 -. To put 40965 in local context, 4 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Bell 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 40965

Top 5 sectors by establishment count in Middlesboro, KY

Which industries have the most business establishments in ZIP 40965.

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 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

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 40965?

40.4

Median Age

49.9%

Male

50.1%

Female

0.6%

Foreign-Born

White 89.4%
African American 5.0%
Asian 0.5%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.6%
Hispanic or Latino 1.0%

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?

$28,685

Median Household Income

-52% vs state

$21,508

Per Capita Income

31.8%

Poverty Rate

10.8%

Unemployment Rate

How ZIP 40965 ranks nationally

Middlesboro, KY household income vs. every US ZIP code

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

$28,685 2nd percentile higher than 2% 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 49.4%
Bachelor's Degree or Higher 18.0%

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

What does housing look like?

6,052

Total Housing Units

5,238

Occupied Units

814

Vacant Units

2.18

Avg Household Size

Occupancy Type

Owner 54.1%
Renter 45.9%

$95,200

Median Home Value

-40% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 40965 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 40965 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 40965 ranks #5 of 5 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
37724 Cumberland Gap, TN 2,874 6.1 mi
40977 Pineville, KY 10,362 5.7 mi
40813 Calvin, KY 669 9.4 mi
40995 Trosper, KY 121 10.3 mi

More ZIP Codes in Bell County

40977 standard
Pineville, KY
Pop: 10,362
40902 standard
Arjay, KY
Pop: 1,239
40856 standard
Miracle, KY
Pop: 756
40813 standard
Calvin, KY
Pop: 669
40845 standard
Hulen, KY
Pop: 635
40988 standard
Stoney Fork, KY
Pop: 555

Related Areas

Bell County Middlesboro, KY Kentucky

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.

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