PlainZIP

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
$59,688
Median income
$143,600
Median home value
15.7%
Bachelor's or higher

The verdict

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.

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 Kentucky average), while per-capita income is $29,910. The poverty rate stands at 15.3% and the unemployment rate at 2.8%. Housing costs here run $143,600 for a typical home value (10% below the state average), with rent averaging $707 a month; 66.1% of 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. A geography-based comparison follows: 3 ZIP codes within about 10 miles of 42765, plus 6 more within Hart County, give a clearer read than the national average 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 42765

Top 5 sectors by establishment count in Munfordville, KY

Which industries have the most business establishments in ZIP 42765.

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 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

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 42765?

36.7

Median Age

50.7%

Male

49.3%

Female

0.3%

Foreign-Born

White 94.2%
African American 1.7%
Asian 0.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.2%
Hispanic or Latino 3.9%

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

$29,910

Per Capita Income

15.3%

Poverty Rate

2.8%

Unemployment Rate

32.0 min

Mean Commute Time

How ZIP 42765 ranks nationally

Munfordville, KY household income vs. every US ZIP code

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

$59,688 28th percentile higher than 28% 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 50.4%
Bachelor's Degree or Higher 15.7%

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

What does housing look like?

2,778

Total Housing Units

2,589

Occupied Units

189

Vacant Units

2.70

Avg Household Size

Occupancy Type

Owner 66.1%
Renter 33.9%

$143,600

Median Home Value

-10% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 42765 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 42765 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 42765 ranks #3 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
42713 Bonnieville, KY 1,641 5.2 mi
42784 Upton, KY 2,685 9.5 mi
42749 Horse Cave, KY 5,245 8.9 mi

More ZIP Codes in Hart County

42749 standard
Horse Cave, KY
Pop: 5,245
42757 standard
Magnolia, KY
Pop: 2,974
42746 standard
Hardyville, KY
Pop: 1,892
42713 standard
Bonnieville, KY
Pop: 1,641
42729 standard
Cub Run, KY
Pop: 1,617
42722 standard
Canmer, KY
Pop: 714

Related Areas

Hart County Munfordville, KY Kentucky

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.

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