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 Low-density area
- $41,250
- Median income Below-median income area
- $50,500
- Median home value Below-median home value
- 14.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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
- 1st 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 average Kentucky ZIP), while per-capita income is $19,531. The poverty rate is 29.0%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $50,500 (68% below the average Kentucky ZIP); owner occupancy is 88.5%.
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 -. The page also surfaces 6 ZIP codes within roughly 10 miles and 5 more in Clay County, so 40972 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 →
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
Who lives in ZIP 40972?
43.7
Median Age
53.3%
Male
46.7%
Female
0.0%
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?
$41,250
Median Household Income
-31% vs state ZIP avg
$19,531
Per Capita Income
29.0%
Poverty Rate
7.2%
Unemployment Rate
How ZIP 40972 ranks among Kentucky ZIPs
Oneida, 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)
$41,250 19th percentile higher than 19% 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
640housing units
640
Total Housing Units
488
Occupied Units
152
Vacant Units
2.47
Avg Household Size
Occupancy Type
$50,500
Median Home Value
-68% vs state ZIP avg
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.
- 40962
Manchester (40962)
19,143 residents
- 40972 1,327
Oneida (40972)
1,327 residents
- 41721 788
Buckhorn (41721)
788 residents
- 41714 418
Bear Branch (41714)
418 residents
- 40941 251
Garrard (40941)
251 residents
- 41766 131
Thousandsticks (41766)
131 residents
- 41762 107
Sizerock (41762)
107 residents
What this shows Among its immediate neighbors, ZIP 40972 ranks #2 by population - useful context the national average alone can't give.
ZIP 40972 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40962
Manchester (40962)
$42,852 median income
- 40972
Oneida (40972)
$41,250 median income
- 41766
Thousandsticks (41766)
$20,522 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40972, 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 (1,327 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Clay County
Related Areas
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.
Related
Take this with you
What to do with ZIP 40972's numbers, next.
- See how ZIP 40972 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oneida, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.