Beaver Dam, KY · standard
ZIP Code 42320
Ohio County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,205
- 22/sq mi Moderate-density area
- $54,730
- Median income Below-median income area
- $150,200
- Median home value Below-median home value
- 14.0%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Beaver Dam pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 21st pct
- household income, US ZIPs
- 25th pct
- home value, US ZIPs
- 22
- people per sq mi
- 73%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 42320 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 42320 (Beaver Dam, KY) rose +5.7% from 2023 to 2024. The all-transactions index moved from 216.7 in 2023 to 228.9 in 2024 (2000 = 100).
ZIP code 42320 is a mid-sized community (a standard USPS delivery area) in Beaver Dam, Ohio County, Kentucky, home to 8,205 residents across 381.6 square miles, a density of 22 people per square mile, in the Chicago time zone.
ZIP 42320 reports a modest median household income of $54,730 (8% below the average Kentucky ZIP), while per-capita income is $29,177. The poverty rate is 14.4%, with unemployment at 8.2%; those measures add context to the income figure. Median home value is $150,200 (6% below the average Kentucky ZIP) and median rent is $745; 72.7% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 14.0% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 29 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Ohio County, so 42320 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 42320
Top 5 sectors by establishment count in Beaver Dam, KY
Which industries have the most business establishments in ZIP 42320.
- Retail trade
Retail trade
36 establishments
- Health care and social assistance
Health care and social assistance
23 establishments
- Accommodation and food services
Accommodation and food services
22 establishments
- Other services (except public administration)
Other services (except public administration)
15 establishments
- Manufacturing 11
Manufacturing
11 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 42320, Beaver Dam, 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
8,205
Population
381.6
Area (sq mi)
22
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 42320?
38.4
Median Age
50.8%
Male
49.2%
Female
4.7%
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?
$54,730
Median Household Income
-8% vs state ZIP avg
$29,177
Per Capita Income
14.4%
Poverty Rate
8.2%
Unemployment Rate
28.9 min
Mean Commute Time
How ZIP 42320 ranks among Kentucky ZIPs
Beaver Dam, 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)
$54,730 45th percentile higher than 45% 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
3,789housing units
3,789
Total Housing Units
3,361
Occupied Units
428
Vacant Units
2.69
Avg Household Size
Occupancy Type
$150,200
Median Home Value
-6% vs state ZIP avg
$745
Median Rent
1985
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
+5.7%
YoY Change (2024)
229
HPI Index (2000 = 100)
+129%
Total Change Since 2000
Home values in ZIP 42320 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +129% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.1% | 163 |
| 2021 | +10.4% | 180 |
| 2022 | +11.7% | 201 |
| 2023 | +7.7% | 217 |
| 2024 | +5.7% | 229 |
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 155 business establishments in ZIP 42320, employing approximately 4,239 people with a combined annual payroll of $136,665,000.
155
Businesses
4,239
Employees
$136.7M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 36 | 23.2% |
| Health care and social assistance | 23 | 14.8% |
| Accommodation and food services | 22 | 14.2% |
| Other services (except public administration) | 15 | 9.7% |
| Manufacturing | 11 | 7.1% |
| Finance and insurance | 10 | 6.5% |
| Construction | 9 | 5.8% |
| Administrative and support and waste management and remediation services | 8 | 5.2% |
| Professional, scientific, and technical services | 7 | 4.5% |
| Real estate and rental and leasing | 5 | 3.2% |
| Wholesale trade | 4 | 2.6% |
| Transportation and warehousing | 4 | 2.6% |
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 42320 vs 42354 →
ZIP 42320 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 42320
Beaver Dam (42320)
8,205 residents
- 42337 2,026
Drakesboro (42337)
2,026 residents
- 42333 1,111
Cromwell (42333)
1,111 residents
- 42326 460
Browder (42326)
460 residents
- 42273 443
Rochester (42273)
443 residents
- 42369 331
Rockport (42369)
331 residents
- 42354 252
Mc Henry (42354)
252 residents
- 42370 28
Rosine (42370)
28 residents
What this shows Among its immediate neighbors, ZIP 42320 ranks the most populous - useful context the national average alone can't give.
ZIP 42320 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 42354
Mc Henry (42354)
$65,625 median income
- 42369
Rockport (42369)
$62,750 median income
- 42273
Rochester (42273)
$59,745 median income
- 42320
Beaver Dam (42320)
$54,730 median income
- 42326
Browder (42326)
$42,167 median income
- 42337
Drakesboro (42337)
$36,875 median income
- 42333
Cromwell (42333)
$33,969 median income
What this shows By household income, ZIP 42320 ranks #4 of 7 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 42320, 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 (8,205 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ohio County
Related Areas
Frequently Asked Questions
What county is ZIP code 42320 in?
ZIP code 42320 (Beaver Dam) is located in Ohio County, Kentucky. Ohio County contains multiple ZIP codes, see the full list at /counties/ohio-ky.
What is the population of ZIP code 42320?
ZIP code 42320 in Beaver Dam, KY has a population of 8,205 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 42320?
The median household income in ZIP 42320 is $54,730, which is 28% below the national average of $76,288.
What is the average home value in ZIP 42320?
The median home value in ZIP 42320 is $150,200, which is 46% below the national average of $278,155.
What is the demographic makeup of ZIP 42320?
The largest racial group in ZIP 42320 is White at 85.6%. Hispanic or Latino residents make up 12.0% of the population.
How many businesses are in ZIP code 42320?
ZIP code 42320 has 155 business establishments employing approximately 4,239 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 42320?
The top industries by establishment count in ZIP 42320 are: Retail trade (36), Health care and social assistance (23), Accommodation and food services (22). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 42320?
According to the FHFA House Price Index, home values in ZIP 42320 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 129%. 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 42320?
In ZIP code 42320, 47.5% of residents aged 25+ have a high school diploma or higher, and 14.0% 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 42320?
The mean commute time for workers in ZIP code 42320 is 28.9 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 42320?
In ZIP code 42320, approximately 72.7% of occupied housing units are owner-occupied and 27.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 42320?
The poverty rate in ZIP code 42320 is 14.4% 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 42320's numbers, next.
- See how ZIP 42320 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Beaver Dam, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.