PlainZIP

Cynthiana, KY · standard

ZIP Code 41031

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

15,886
28/sq mi
$64,883
Median income
$212,000
Median home value
24.1%
Bachelor's or higher

The verdict

Cynthiana pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

38th pct
household income, US ZIPs
47th pct
home value, US ZIPs
28
people per sq mi
70%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 41031 against every reporting US ZIP.

ZIP code 41031 is a mid-sized community (a standard USPS delivery area) in Cynthiana, Harrison County, Kentucky, home to 15,886 residents across 563.3 square miles, a density of 28 people per square mile, in the New York time zone.

ZIP 41031 reports a modest median household income of $64,883 (9% above the Kentucky average), while per-capita income is $34,346. The poverty rate stands at 18.0% and the unemployment rate at 3.0%. The typical home here is valued at $212,000 (33% above the state average); renters pay a median of $768 monthly, and 70.2% of units are owner-occupied.

Educational attainment sits below the national norm: 24.1% of adults hold a bachelor's degree or higher, the median age is 41, and the average commute is 27 minutes. To put 41031 in local context, 1 ZIP codes within roughly 10 miles appear further down this page alongside 1 additional ZIPs in Harrison 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 41031

Top 5 sectors by establishment count in Cynthiana, KY

Which industries have the most business establishments in ZIP 41031.

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 41031, Cynthiana, 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

15,886

Population

563.3

Area (sq mi)

28

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 41031?

41.0

Median Age

47.4%

Male

52.6%

Female

1.3%

Foreign-Born

White 93.1%
African American 2.0%
Asian 0.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.1%
Hispanic or Latino 2.6%

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?

$64,883

Median Household Income

+9% vs state

$34,346

Per Capita Income

18.0%

Poverty Rate

3.0%

Unemployment Rate

27.0 min

Mean Commute Time

How ZIP 41031 ranks nationally

Cynthiana, KY household income vs. every US ZIP code

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

$64,883 38th percentile higher than 38% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 67.2%
Bachelor's Degree or Higher 24.1%

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

What does housing look like?

7,114

Total Housing Units

6,379

Occupied Units

735

Vacant Units

2.56

Avg Household Size

Occupancy Type

Owner 70.2%
Renter 29.8%

$212,000

Median Home Value

+33% vs state

$768

Median Rent

1981

Median Year Built

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

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+11.6%

YoY Change (2024)

211

HPI Index (2000 = 100)

+111%

Total Change Since 2000

Home values in ZIP 41031 have increased 11.6% over the past year (2024). Since 2000, this ZIP has seen +111% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.3% 146
2021 +8.8% 159
2022 +17.4% 187
2023 +1.5% 189
2024 +11.6% 211

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 287 business establishments in ZIP 41031, employing approximately 4,573 people with a combined annual payroll of $227,168,000.

287

Businesses

4,573

Employees

$227.2M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 47 16.4%
Health care and social assistance 43 15.0%
Other services (except public administration) 38 13.2%
Accommodation and food services 30 10.4%
Construction 22 7.7%
Manufacturing 20 7.0%
Finance and insurance 20 7.0%
Professional, scientific, and technical services 20 7.0%
Information 10 3.5%
Real estate and rental and leasing 10 3.5%
Wholesale trade 7 2.4%
Transportation and warehousing 6 2.1%
Administrative and support and waste management and remediation services 6 2.1%
Arts, entertainment, and recreation 4 1.4%

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 41031 vs 41003 →

ZIP Code City Population Distance
41003 Berry, KY 2,786 9.8 mi

More ZIP Codes in Harrison County

41003 standard
Berry, KY
Pop: 2,786

Related Areas

Harrison County Cynthiana, KY Kentucky

Frequently Asked Questions

What county is ZIP code 41031 in? ▼
ZIP code 41031 (Cynthiana) is located in Harrison County, Kentucky. Harrison County contains multiple ZIP codes, see the full list at /counties/harrison-ky.
What is the population of ZIP code 41031? ▼
ZIP code 41031 in Cynthiana, KY has a population of 15,886 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 41031? ▼
The median household income in ZIP 41031 is $64,883, which is 15% below the national average of $76,288.
What is the average home value in ZIP 41031? ▼
The median home value in ZIP 41031 is $212,000, which is 24% below the national average of $278,155.
What is the demographic makeup of ZIP 41031? ▼
The largest racial group in ZIP 41031 is White at 93.1%. Hispanic or Latino residents make up 2.6% of the population.
How many businesses are in ZIP code 41031? ▼
ZIP code 41031 has 287 business establishments employing approximately 4,573 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 41031? ▼
The top industries by establishment count in ZIP 41031 are: Retail trade (47), Health care and social assistance (43), Other services (except public administration) (38). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 41031? ▼
According to the FHFA House Price Index, home values in ZIP 41031 increased by 11.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 111%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 41031? ▼
In ZIP code 41031, 67.2% of residents aged 25+ have a high school diploma or higher, and 24.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 41031? ▼
The mean commute time for workers in ZIP code 41031 is 27.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 41031? ▼
In ZIP code 41031, approximately 70.2% of occupied housing units are owner-occupied and 29.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 41031? ▼
The poverty rate in ZIP code 41031 is 18.0% 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.