| ZIP Code | 40769 |
|---|---|
| City | Williamsburg |
| State | Kentucky (KY) |
| County | Whitley County |
| Area Code | 606 |
| Elevation | 908 ft |
| Latitude | 36.704354 |
|---|---|
| Longitude | -84.189734 |
| Timezone | New York (DST) |
| FIPS | 21235 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 33.3 yrs |
|---|---|
| Avg Household Size | 2.64 |
| Below Poverty | 26.8% ▲ 168% above avg |
| College Grads | 25.6% ▼ 34% below avg |
| Unemployment | 6.1% ▲ 24% above avg |
| No HS Diploma | 64 (0.7%) |
| HS Graduate | 3,496 (39.5%) |
| Some College | 1,923 (21.7%) |
| Associates | 1,105 (12.5%) |
| Bachelors | 540 (6.1%) |
| Graduate Degree | 1,732 (19.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $41,772 ▼ 45% below avg ↑ 26% since 2019 |
|---|---|
| Median Home Value | $94,100 ▼ 66% below avg ↑ 30% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Median Rent | $729/mo ↑ 24% since 2019 |
| Total Units | 7,486 |
| Vacant Units | 1,259 |
| Avg HH Size | 2.64 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 7,486 |
|---|---|
| Vacant | 1,259 |
| Owner Occupied | 62.6% |
| Renter Occupied | 37.4% |
| Avg HH Size | 2.64 |
ZIP code 40769 is located in Williamsburg, Kentucky, within Whitley County. With a population of 17,931, this is a moderately populated ZIP code with a relatively young community — the median age is 33.3 years. Economically, 40769 is a working-class ZIP code: the median household income of $41,772 is below the national average.
Real estate in ZIP code 40769 represents one of the more affordable housing markets in the country. The median home value of $94,100 is well below the national average. Renters can expect to pay around $729 per month in median rent. Homeownership is strong here — 62.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 30% since 2019.
The population of 40769 is primarily White (93.01%). Residents are moderately educated — 25.6% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 26.8%. Household income has grown by 26% since 2019.
The unemployment rate in 40769 stands at 6.1%, which is above the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 40769 in Williamsburg, KY is characterized as working-class, moderately educated, a relatively young community, and predominantly owner-occupied. With 17,931 residents, a median household income of $41,772, and a median home value of $94,100, it offers a clear picture of life in this part of Kentucky.