PlainZIP

Clay, KY · standard

ZIP Code 42404

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

2,569
11/sq mi
$61,293
Median income
$115,300
Median home value
14.5%
Bachelor's or higher

The verdict

Clay pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

31th pct
household income, US ZIPs
15th pct
home value, US ZIPs
11
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 42404 against every reporting US ZIP.

ZIP code 42404 covers 229.4 square miles in Clay, Webster County, Kentucky (a standard USPS delivery area), with a modest 2,569 residents on file, a density of 11 people per square mile, in the Chicago time zone.

ZIP 42404 reports a modest median household income of $61,293 (3% above the Kentucky average), while per-capita income is $31,289. Poverty here runs at 13.1%, with unemployment measured at 2.3%. The typical home here is valued at $115,300 (27% below the state average); renters pay a median of $764 monthly, and 81.8% of units are owner-occupied.

Formal educational attainment runs low here: just 14.5% of adults hold a bachelor's degree or higher, the median age is 43.1, and the average commute is 32 minutes. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 5 more sharing Webster County, letting you compare 42404 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 42404

Top 5 sectors by establishment count in Clay, KY

Which industries have the most business establishments in ZIP 42404.

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 42404, Clay, 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

2,569

Population

229.4

Area (sq mi)

11

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 42404?

43.1

Median Age

46.4%

Male

53.6%

Female

1.0%

Foreign-Born

White 94.2%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 1.2%
Two or More Ethnicities 0.3%
Hispanic or Latino 4.6%

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?

$61,293

Median Household Income

+3% vs state

$31,289

Per Capita Income

13.1%

Poverty Rate

2.3%

Unemployment Rate

31.8 min

Mean Commute Time

How ZIP 42404 ranks nationally

Clay, KY household income vs. every US ZIP code

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

$61,293 31st percentile higher than 31% 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 54.5%
Bachelor's Degree or Higher 14.5%

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

What does housing look like?

1,067

Total Housing Units

892

Occupied Units

175

Vacant Units

2.36

Avg Household Size

Occupancy Type

Owner 81.8%
Renter 18.2%

$115,300

Median Home Value

-27% vs state

$764

Median Rent

1974

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 34 business establishments in ZIP 42404, employing approximately 376 people with a combined annual payroll of $28,046,000.

34

Businesses

376

Employees

$28.0M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Retail trade 7 20.6%
Other services (except public administration) 7 20.6%
Construction 3 8.8%
Wholesale trade 3 8.8%
Health care and social assistance 3 8.8%

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 42404 vs 42463 →

ZIP 42404 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 42404 ranks #3 by population - useful context the national average alone can't give.

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

ZIP 42404 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 42404 ranks the highest of 4 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
42463 Wheatcroft, KY 156 2.1 mi
42450 Providence, KY 4,063 6.8 mi
42409 Dixon, KY 2,586 8.6 mi

More ZIP Codes in Webster County

42450 standard
Providence, KY
Pop: 4,063
42455 standard
Sebree, KY
Pop: 3,376
42409 standard
Dixon, KY
Pop: 2,586
42456 standard
Slaughters, KY
Pop: 1,690
42463 standard
Wheatcroft, KY
Pop: 156

Related Areas

Webster County Clay, KY Kentucky

Frequently Asked Questions

What county is ZIP code 42404 in? ▼
ZIP code 42404 (Clay) is located in Webster County, Kentucky. Webster County contains multiple ZIP codes, see the full list at /counties/webster-ky.
What is the population of ZIP code 42404? ▼
ZIP code 42404 in Clay, KY has a population of 2,569 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 42404? ▼
The median household income in ZIP 42404 is $61,293, which is 20% below the national average of $76,288.
What is the average home value in ZIP 42404? ▼
The median home value in ZIP 42404 is $115,300, which is 59% below the national average of $278,155.
What is the demographic makeup of ZIP 42404? ▼
The largest racial group in ZIP 42404 is White at 94.2%. Hispanic or Latino residents make up 4.6% of the population.
How many businesses are in ZIP code 42404? ▼
ZIP code 42404 has 34 business establishments employing approximately 376 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 42404? ▼
The top industries by establishment count in ZIP 42404 are: Retail trade (7), Other services (except public administration) (7), Construction (3). There are 5 industry sectors represented in total.
What is the education level in ZIP code 42404? ▼
In ZIP code 42404, 54.5% of residents aged 25+ have a high school diploma or higher, and 14.5% 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 42404? ▼
The mean commute time for workers in ZIP code 42404 is 31.8 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 42404? ▼
In ZIP code 42404, approximately 81.8% of occupied housing units are owner-occupied and 18.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 42404? ▼
The poverty rate in ZIP code 42404 is 13.1% 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.