Munfordville, KY · standard
ZIP Code 42765
Hart County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,840
- 19/sq mi Moderate-density area
- $59,688
- Median income Below-median income area
- $143,600
- Median home value Below-median home value
- 15.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Munfordville pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 28th pct
- household income, US ZIPs
- 24th pct
- home value, US ZIPs
- 19
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 42765 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 42765 (Munfordville, KY) fell -1.6% from 2023 to 2024.
ZIP code 42765 is a mid-sized community (a standard USPS delivery area) in Munfordville, Hart County, Kentucky, home to 5,840 residents across 305.8 square miles, a density of 19 people per square mile, in the Chicago time zone.
ZIP 42765 reports a modest median household income of $59,688 (0% above the average Kentucky ZIP), while per-capita income is $29,910. The poverty rate is 15.3%, with unemployment at 2.8%; those measures add context to the income figure. Median home value is $143,600 (10% below the average Kentucky ZIP) and median rent is $707; 66.1% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 15.7% of adults hold a bachelor's degree or higher, the median age is 36.7, and the average commute is 32 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Hart County, so 42765 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 42765
Top 5 sectors by establishment count in Munfordville, KY
Which industries have the most business establishments in ZIP 42765.
- Retail trade
Retail trade
25 establishments
- Construction
Construction
23 establishments
- Health care and social assistance
Health care and social assistance
19 establishments
- Other services (except public administration)
Other services (except public administration)
17 establishments
- Finance and insurance
Finance and insurance
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 42765, Munfordville, 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
5,840
Population
305.8
Area (sq mi)
19
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 42765?
36.7
Median Age
50.7%
Male
49.3%
Female
0.3%
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?
$59,688
Median Household Income
+0% vs state ZIP avg
$29,910
Per Capita Income
15.3%
Poverty Rate
2.8%
Unemployment Rate
32.0 min
Mean Commute Time
How ZIP 42765 ranks among Kentucky ZIPs
Munfordville, 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)
$59,688 Top 44% higher than 56% 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
2,778housing units
2,778
Total Housing Units
2,589
Occupied Units
189
Vacant Units
2.70
Avg Household Size
Occupancy Type
$143,600
Median Home Value
-10% vs state ZIP avg
$707
Median Rent
1984
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 135 business establishments in ZIP 42765, employing approximately 882 people with a combined annual payroll of $31,222,000.
135
Businesses
882
Employees
$31.2M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 25 | 18.5% |
| Construction | 23 | 17.0% |
| Health care and social assistance | 19 | 14.1% |
| Other services (except public administration) | 17 | 12.6% |
| Finance and insurance | 11 | 8.2% |
| Accommodation and food services | 11 | 8.2% |
| Professional, scientific, and technical services | 9 | 6.7% |
| Manufacturing | 7 | 5.2% |
| Wholesale trade | 4 | 3.0% |
| Transportation and warehousing | 4 | 3.0% |
| Real estate and rental and leasing | 3 | 2.2% |
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 42765 vs 42713 →
ZIP 42765 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 42765
Munfordville (42765)
5,840 residents
- 42749
Horse Cave (42749)
5,245 residents
- 42784
Upton (42784)
2,685 residents
- 42713 1,641
Bonnieville (42713)
1,641 residents
What this shows Among its immediate neighbors, ZIP 42765 ranks the most populous - useful context the national average alone can't give.
ZIP 42765 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 42784
Upton (42784)
$68,699 median income
- 42713
Bonnieville (42713)
$60,000 median income
- 42765
Munfordville (42765)
$59,688 median income
- 42749
Horse Cave (42749)
$45,500 median income
What this shows By household income, ZIP 42765 ranks #3 of 4 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 42765, 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 (5,840 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hart County
Related Areas
Frequently Asked Questions
What county is ZIP code 42765 in?
ZIP code 42765 (Munfordville) is located in Hart County, Kentucky. Hart County contains multiple ZIP codes, see the full list at /counties/hart-ky.
What is the population of ZIP code 42765?
ZIP code 42765 in Munfordville, KY has a population of 5,840 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 42765?
The median household income in ZIP 42765 is $59,688, which is 22% below the national average of $76,288.
What is the average home value in ZIP 42765?
The median home value in ZIP 42765 is $143,600, which is 48% below the national average of $278,155.
What is the demographic makeup of ZIP 42765?
The largest racial group in ZIP 42765 is White at 94.2%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 42765?
ZIP code 42765 has 135 business establishments employing approximately 882 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 42765?
The top industries by establishment count in ZIP 42765 are: Retail trade (25), Construction (23), Health care and social assistance (19). There are 11 industry sectors represented in total.
What is the education level in ZIP code 42765?
In ZIP code 42765, 50.4% of residents aged 25+ have a high school diploma or higher, and 15.7% 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 42765?
The mean commute time for workers in ZIP code 42765 is 32.0 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 42765?
In ZIP code 42765, approximately 66.1% of occupied housing units are owner-occupied and 33.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 42765?
The poverty rate in ZIP code 42765 is 15.3% 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 42765's numbers, next.
- See how ZIP 42765 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Munfordville, 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.