| ZIP Code | 40312 |
|---|---|
| City | Clay City |
| State | Kentucky (KY) |
| County | Powell County |
| Area Code | 606 |
| Elevation | 618 ft |
| Latitude | 37.8443 |
|---|---|
| Longitude | -83.932894 |
| Timezone | New York (DST) |
| FIPS | 21197 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.6 yrs |
|---|---|
| Avg Household Size | 2.70 |
| Below Poverty | 22.7% ▲ 127% above avg |
| College Grads | 27.8% ▼ 28% below avg |
| Unemployment | 3.3% ▼ 33% below avg |
| No HS Diploma | 42 (1.3%) |
| HS Graduate | 1,255 (39.2%) |
| Some College | 647 (20.2%) |
| Associates | 365 (11.4%) |
| Bachelors | 310 (9.7%) |
| Graduate Degree | 579 (18.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $38,081 ▼ 50% below avg ↑ 20% since 2019 |
|---|---|
| Median Home Value | $148,300 ▼ 47% below avg ↑ 74% since 2019 |
| Home/Income Ratio | 3.9x (nat avg ~3.5x) |
| Median Rent | $710/mo ↑ 6% since 2019 |
| Total Units | 2,748 |
| Vacant Units | 470 |
| Avg HH Size | 2.70 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,748 |
|---|---|
| Vacant | 470 |
| Owner Occupied | 66.2% |
| Renter Occupied | 33.8% |
| Avg HH Size | 2.70 |
ZIP code 40312 is located in Clay City, Kentucky, within Powell County. With a population of 6,156, this is a lightly populated ZIP code with a middle-aged community — the median age is 39.6 years. Economically, 40312 is a lower-income ZIP code: the median household income of $38,081 is well below the national average.
Real estate in ZIP code 40312 represents one of the more affordable housing markets in the country. The median home value of $148,300 is below the national average. Renters can expect to pay around $710 per month in median rent. Homeownership is strong here — 66.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 74% since 2019.
The population of 40312 is primarily White (94.85%). Residents are moderately educated — 27.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 22.7%. Household income has grown by 20% since 2019.
The unemployment rate in 40312 stands at 3.3%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 91%.
Overall, ZIP code 40312 in Clay City, KY is characterized as lower-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 6,156 residents, a median household income of $38,081, and a median home value of $148,300, it offers a clear picture of life in this part of Kentucky.