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 Moderate-density area
- $64,883
- Median income Near-median income area
- $212,000
- Median home value Near-median home value
- 24.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 41031 (Cynthiana, KY) rose +11.6% from 2023 to 2024. The all-transactions index moved from 189.5 in 2023 to 211.4 in 2024 (2000 = 100).
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 average Kentucky ZIP), while per-capita income is $34,346. The poverty rate is 18.0%, with unemployment at 3.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $212,000 (33% above the average Kentucky ZIP), while 70.2% of occupied homes are owner-occupied and median rent is $768.
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. The page also surfaces 1 ZIP codes within roughly 10 miles and 1 more in Harrison County, so 41031 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 →
Top industries in ZIP 41031
Top 5 sectors by establishment count in Cynthiana, KY
Which industries have the most business establishments in ZIP 41031.
- Retail trade
Retail trade
47 establishments
- Health care and social assistance
Health care and social assistance
43 establishments
- Other services (except public administration)
Other services (except public administration)
38 establishments
- Accommodation and food services
Accommodation and food services
30 establishments
- Construction
Construction
22 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, 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
Who lives in ZIP 41031?
41.0
Median Age
47.4%
Male
52.6%
Female
1.3%
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?
$64,883
Median Household Income
+9% vs state ZIP avg
$34,346
Per Capita Income
18.0%
Poverty Rate
3.0%
Unemployment Rate
27.0 min
Mean Commute Time
How ZIP 41031 ranks among Kentucky ZIPs
Cynthiana, 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)
$64,883 Top 33% higher than 67% 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
7,114housing units
7,114
Total Housing Units
6,379
Occupied Units
735
Vacant Units
2.56
Avg Household Size
Occupancy Type
$212,000
Median Home Value
+33% vs state ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 41031, 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 (15,886 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Harrison County
Related Areas
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.
Related
Take this with you
What to do with ZIP 41031's numbers, next.
- See how ZIP 41031 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cynthiana, 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.