PlainZIP

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
$54,730
Median income
$150,200
Median home value
14.0%
Bachelor's or higher

The verdict

Beaver Dam pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

21th 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.

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 Kentucky average), while per-capita income is $29,177. The poverty rate stands at 14.4% and the unemployment rate at 8.2%. The typical home here is valued at $150,200 (6% below the state average); renters pay a median of $745 monthly, and 72.7% of units 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. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Ohio County, letting you compare 42320 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 →

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.

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 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

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 42320?

38.4

Median Age

50.8%

Male

49.2%

Female

4.7%

Foreign-Born

White 85.6%
African American 0.4%
Asian 0.1%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.8%
Hispanic or Latino 12.0%

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

$29,177

Per Capita Income

14.4%

Poverty Rate

8.2%

Unemployment Rate

28.9 min

Mean Commute Time

How ZIP 42320 ranks nationally

Beaver Dam, KY household income vs. every US ZIP code

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

$54,730 21st percentile higher than 21% 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 47.5%
Bachelor's Degree or Higher 14.0%

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

What does housing look like?

3,789

Total Housing Units

3,361

Occupied Units

428

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 72.7%
Renter 27.3%

$150,200

Median Home Value

-6% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 42320 ranks the most populous - useful context the national average alone can't give.

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

ZIP 42320 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 42320 ranks #4 of 7 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
42354 Mc Henry, KY 252 3.7 mi
42333 Cromwell, KY 1,111 5.9 mi
42369 Rockport, KY 331 7.5 mi
42273 Rochester, KY 443 9.4 mi
42370 Rosine, KY 28 9.8 mi
42337 Drakesboro, KY 2,026 11.6 mi
42326 Browder, KY 460 11.7 mi

More ZIP Codes in Ohio County

42347 standard
Hartford, KY
Pop: 6,152
42343 standard
Fordsville, KY
Pop: 1,782
42349 standard
Horse Branch, KY
Pop: 1,503
42328 standard
Centertown, KY
Pop: 1,389
42368 standard
Reynolds Station, KY
Pop: 1,325
42333 standard
Cromwell, KY
Pop: 1,111

Related Areas

Ohio County Beaver Dam, KY Kentucky

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.

Read our methodology to see how this data is sourced, computed, and verified.