| ZIP Code | 40813 |
|---|---|
| City | Calvin |
| State | Kentucky (KY) |
| County | Bell County |
| Area Code | 606 |
| Elevation | 1,684 ft |
| Latitude | 36.710199 |
|---|---|
| Longitude | -83.592254 |
| Timezone | New York (DST) |
| FIPS | 21013 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 45.2 yrs ↓ 22% since 2019 |
|---|---|
| Avg Household Size | 2.29 |
| Below Poverty | 5.3% ▼ 47% below avg |
| College Grads | 10.2% ▼ 74% below avg |
| Unemployment | 0.0% ▼ 100% below avg |
| HS Graduate | 156 (59.1%) |
| Some College | 56 (21.2%) |
| Associates | 25 (9.5%) |
| Bachelors | 12 (4.5%) |
| Graduate Degree | 15 (5.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,381 ▼ 18% below avg ↑ 78% since 2019 |
|---|---|
| Median Home Value | $162,500 ▼ 42% below avg ↑ 232% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $475/mo ↓ 12% since 2019 |
| Total Units | 163 |
| Vacant Units | 23 |
| Avg HH Size | 2.29 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 163 |
|---|---|
| Vacant | 23 |
| Owner Occupied | 63.6% |
| Renter Occupied | 36.4% |
| Avg HH Size | 2.29 |
ZIP code 40813 is located in Calvin, Kentucky, within Bell County. With a population of 321, this is a sparsely populated ZIP code with a mature community — the median age is 45.2 years. Economically, 40813 is a solidly middle-class ZIP code: the median household income of $62,381 is below the national average.
Real estate in ZIP code 40813 represents an affordable housing market. The median home value of $162,500 is below the national average. Renters can expect to pay around $475 per month in median rent. Homeownership is strong here — 63.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 232% since 2019.
The population of 40813 is primarily White (100.00%). Residents are less-educated — 10.2% hold a bachelor's degree or higher, which is well below the national average. Poverty affects a relatively small share of residents at 5.3%. Household income has grown by 78% since 2019.
As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 40813 in Calvin, KY is characterized as solidly middle-class, less-educated, a mature community, and predominantly owner-occupied. With 321 residents, a median household income of $62,381, and a median home value of $162,500, it offers a clear picture of life in this part of Kentucky.