PlainZIP

Oneida, KY · standard

ZIP Code 40972

Clay County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,327
9/sq mi
$41,250
Median income
$50,500
Median home value
14.7%
Bachelor's or higher

The verdict

Oneida pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

6th pct
household income, US ZIPs
1th pct
home value, US ZIPs
9
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40972 against every reporting US ZIP.

ZIP code 40972 is a sparsely populated ZIP (a standard USPS delivery area) in Oneida, Clay County, Kentucky, home to just 1,327 residents across 147.4 square miles, a density of 9 people per square mile, in the New York time zone.

ZIP 40972 reports a modest median household income of $41,250 (31% below the Kentucky average), while per-capita income is $19,531. 29.0% of residents live below the poverty line, and the unemployment rate reads 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.

Formal educational attainment runs low here: just 14.7% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is -. Beyond these figures, 6 nearby ZIP codes within about 10 miles are surfaced below, along with 5 more sharing Clay County, letting you compare 40972 to its immediate surroundings rather than a national baseline alone.

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 →

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 40972, Oneida, 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

1,327

Population

147.4

Area (sq mi)

9

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 40972?

43.7

Median Age

53.3%

Male

46.7%

Female

0.0%

Foreign-Born

White 99.3%
African American 0.0%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.0%
Hispanic or Latino 0.2%

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?

$41,250

Median Household Income

-31% vs state

$19,531

Per Capita Income

29.0%

Poverty Rate

7.2%

Unemployment Rate

How ZIP 40972 ranks nationally

Oneida, KY household income vs. every US ZIP code

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

$41,250 6th percentile higher than 6% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $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 40.8%
Bachelor's Degree or Higher 14.7%

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

What does housing look like?

640

Total Housing Units

488

Occupied Units

152

Vacant Units

2.47

Avg Household Size

Occupancy Type

Owner 88.5%
Renter 11.5%

$50,500

Median Home Value

-68% vs state

1983

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 6 business establishments in ZIP 40972, employing approximately 90 people with a combined annual payroll of $1,509,000.

6

Businesses

90

Employees

$1.5M

Annual Payroll

0

Industry Sectors

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 40972 vs 41762 →

ZIP 40972 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 40972 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40972 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 40972 ranks #2 of 3 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
41762 Sizerock, KY 107 6.6 mi
41721 Buckhorn, KY 788 6.9 mi
41714 Bear Branch, KY 418 8.4 mi
41766 Thousandsticks, KY 131 9.3 mi
40962 Manchester, KY 19,143 10.9 mi
40941 Garrard, KY 251 11.7 mi

More ZIP Codes in Clay County

40962 standard
Manchester, KY
Pop: 19,143
40914 standard
Big Creek, KY
Pop: 467
40983 standard
Sextons Creek, KY
Pop: 352
40941 standard
Garrard, KY
Pop: 251
40913 standard
Beverly, KY
Pop: 171

Related Areas

Clay County Oneida, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40972 in? ▼
ZIP code 40972 (Oneida) 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 40972? ▼
ZIP code 40972 in Oneida, KY has a population of 1,327 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40972? ▼
The median household income in ZIP 40972 is $41,250, which is 46% below the national average of $76,288.
What is the average home value in ZIP 40972? ▼
The median home value in ZIP 40972 is $50,500, which is 82% below the national average of $278,155.
What is the demographic makeup of ZIP 40972? ▼
The largest racial group in ZIP 40972 is White at 99.3%. Hispanic or Latino residents make up 0.2% of the population.
How many businesses are in ZIP code 40972? ▼
ZIP code 40972 has 6 business establishments employing approximately 90 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 40972? ▼
In ZIP code 40972, 40.8% of residents aged 25+ have a high school diploma or higher, and 14.7% 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 40972? ▼
In ZIP code 40972, approximately 88.5% of occupied housing units are owner-occupied and 11.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40972? ▼
The poverty rate in ZIP code 40972 is 29.0% 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.