| ZIP Code | 40823 |
|---|---|
| City | Cumberland |
| State | Kentucky (KY) |
| County | Harlan County |
| Area Code | 606 |
| Elevation | 1,724 ft |
| Latitude | 36.958653 |
|---|---|
| Longitude | -82.990992 |
| Timezone | New York (DST) |
| FIPS | 21095 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 31.8 yrs ↓ 26% since 2019 |
|---|---|
| Avg Household Size | 2.64 |
| Below Poverty | 41.5% ▲ 315% above avg |
| College Grads | 33.1% ▼ 15% below avg |
| Unemployment | 17.5% ▲ 257% above avg |
| No HS Diploma | 30 (1.5%) |
| HS Graduate | 630 (32%) |
| Some College | 241 (12.2%) |
| Associates | 417 (21.2%) |
| Bachelors | 337 (17.1%) |
| Graduate Degree | 314 (15.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $35,704 ▼ 53% below avg ↑ 33% since 2019 |
|---|---|
| Median Home Value | $75,800 ▼ 73% below avg ↑ 53% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $637/mo ↑ 47% since 2019 |
| Total Units | 1,727 |
| Vacant Units | 274 |
| Avg HH Size | 2.64 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,727 |
|---|---|
| Vacant | 274 |
| Owner Occupied | 57.5% |
| Renter Occupied | 42.5% |
| Avg HH Size | 2.64 |
ZIP code 40823 is located in Cumberland, Kentucky, within Harlan County. With a population of 3,907, this is a sparsely populated ZIP code with a relatively young community — the median age is 31.8 years. Economically, 40823 is a lower-income ZIP code: the median household income of $35,704 is well below the national average.
Real estate in ZIP code 40823 represents one of the more affordable housing markets in the country. The median home value of $75,800 is well below the national average. Renters can expect to pay around $637 per month in median rent. The area has a relatively balanced mix of owners (57.5%) and renters (42.5%). Median home values have increased by 53% since 2019.
The population of 40823 is primarily White (93.22%). Residents are moderately educated — 33.1% hold a bachelor's degree or higher, which is near the national average. Poverty affects a significant share of residents at 41.5%. Household income has grown by 33% since 2019.
The unemployment rate in 40823 stands at 17.5%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 66%.
Overall, ZIP code 40823 in Cumberland, KY is characterized as lower-income, moderately educated, and a relatively young community. With 3,907 residents, a median household income of $35,704, and a median home value of $75,800, it offers a clear picture of life in this part of Kentucky.