ZIP Code 40972

ZIP code 40972 is classified by USPS as a standard delivery area and covers roughly 147.4 square miles in Oneida, Clay County, Kentucky. The area is home to 1,327 residents, producing a population density of 9 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 40972 against Kentucky and the nation.

On the economic side, the median household income for ZIP 40972 sits at $41,250 (31% below the Kentucky average), while per-capita income is $19,531. The poverty rate stands at 29.0% and the unemployment rate at 7.2%. On housing, the median home value is $50,500 (68% below the state average) with median rent at — per month, and 88.5% of occupied units are owner-occupied, a direct signal of whether 40972 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 14.7% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is —. We also surface 6 nearby ZIP codes within roughly 10 miles and 5 additional ZIPs sharing Clay County, so you can benchmark 40972 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →