Residential delivery area · Kentucky
ZIP Code 40965: Middlesboro, KY
ZIP code 40965 uses the postal name Middlesboro, Kentucky and lies mostly in Bell County (85% of its land) with the rest in Claiborne County (Census 2020 ZIP-county file). About 12,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $28,685 (Census Bureau, ACS 2020-2024). By Census place, 9% of its land lies in Middlesborough; 91% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2024
- ZBP2023
- IRS2022
- Town
- Middlesboro · its only residential ZIP
- County
- Bell County (85%); Claiborne County (15%)
- Census places
- Middlesborough
- Micro area
- Middlesborough, KY
- House districts
- KY-5 (85%), TN-2 (15%) 119th Congress, by share of land
- State
- Kentucky
- Time zone
- Eastern
- Land area
- 86.3 sq mi · 134 people per sq mi
Where is ZIP code 40965?
40965 centers on 36.620°, -83.732° and covers 86.3 square miles of land plus 0.5 of water. It borders 8 ZIP codes: 37851, 37724, 40977, 40813, 40940, 24248, 40856, 37715.
The map draws ZIP code areas only. For the streets inside 40965, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 40965 compare with the rest of Bell County?
| Measure | 40965 | In Bell County | In KY |
|---|---|---|---|
| People (ACS 2020-2024) | 11,561 | 1st of 11 | 122nd of 780 |
| Median household income | $29k | 1st of 1 | 308th of 310 |
| Median home value | $95k | 1st of 2 | 293rd of 320 |
Its median household income is higher than in 2% of U.S. residential ZIP codes, and it is denser than 58% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 40965?
The 2020 Census counted 12,477 people in 40965; the ACS, which samples households over 2020-2024, estimates 11,561. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 11,561
- 2020 Census count
- 12,477
- Households
- 5,238
- Median age
- 40.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 40965?
Of the 11,561 people the ACS estimates in 40965, 22.0% are under 18 and 19.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.4%).
- Under 1822.0%
- 18 to 6458.5%
- 65 and older19.5%
- White, not Hispanic89.4%
- Black, not Hispanic5.0%
- Other or two or more4.1%
- Hispanic or Latino1.0%
- Asian, not Hispanic0.5%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 40965 earn?
Median household income is $28,685 (ACS 2020-2024).
- Median household income
- $28,685±$3,350
- Income per person
- $21,508
- Below the poverty line
- 31.8%
- Unemployed (of the labor force)
- 10.8%
- Adults 25+ with a bachelor's degree
- 18.0%
- Adjusted gross income per tax return, 2022
- $43,4224,360 returns; wages 73% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 40965?
- Median home value (owners' estimate)
- $95,200
- Median gross rent
- $595
- Homes owned by their occupants
- 54.1%
- Housing units
- 6,052
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 40965?
318 business establishments had a location in this ZIP code in 2023, 8 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade76
- Health care and social assistance51
- Accommodation and food services40
- Other services (except public administration)34
- Finance and insurance24
- Professional, scientific, and technical services16
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 40965?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 37851 | Pruden, TN | 0 | – | 5.0 mi |
| 37724 | Cumberland Gap, TN | 2,214 | $32k | 5.1 mi |
| 40977 | Pineville | 8,367 | $38k | 7.2 mi |
| 40813 | Calvin | 354 | $81k | 9.9 mi |
| 40940 | Frakes | 367 | – | 11.6 mi |
| 24248 | Ewing, VA | 2,207 | $78k | 12.3 mi |
| 40856 | Miracle | 745 | $48k | 13.4 mi |
| 37715 | Clairfield, TN | 806 | $26k | 13.4 mi |
| 40995 | Trosper | 120 | $36k | 10.5 mi (near) |
| 37752 | Harrogate, TN | 6,185 | $60k | 10.7 mi (near) |
| 40763 | Siler | 411 | – | 11.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.