| ZIP Code | 40870 |
|---|---|
| City | Totz |
| State | Kentucky (KY) |
| County | Harlan County |
| Area Code | 606 |
| Elevation | 1,450 ft |
| Latitude | 36.942023 |
|---|---|
| Longitude | -83.152968 |
| Timezone | New York (DST) |
| FIPS | 21095 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 51.7 yrs ↑ 27% since 2019 |
|---|---|
| Avg Household Size | 2.44 |
| Below Poverty | 3.3% ▼ 67% below avg |
| College Grads | 15.1% ▼ 61% below avg |
| Unemployment | 20.5% ▲ 319% above avg |
| HS Graduate | 208 (57%) |
| Some College | 74 (20.3%) |
| Associates | 28 (7.7%) |
| Bachelors | 21 (5.8%) |
| Graduate Degree | 34 (9.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $46,961 ▼ 38% below avg |
|---|---|
| Median Home Value | $128,800 ▼ 54% below avg ↑ 255% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $648/mo |
| Total Units | 294 |
| Vacant Units | 34 |
| Avg HH Size | 2.44 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 294 |
|---|---|
| Vacant | 34 |
| Owner Occupied | 88.1% |
| Renter Occupied | 11.9% |
| Avg HH Size | 2.44 |
ZIP code 40870 is located in Totz, Kentucky, within Harlan County. With a population of 635, this is a sparsely populated ZIP code with a mature community — the median age is 51.7 years. Economically, 40870 is a working-class ZIP code: the median household income of $46,961 is below the national average.
Real estate in ZIP code 40870 represents one of the more affordable housing markets in the country. The median home value of $128,800 is well below the national average. Renters can expect to pay around $648 per month in median rent. Homeownership is strong here — 88.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 255% since 2019.
The population of 40870 is primarily White (97.48%). Residents are less-educated — 15.1% hold a bachelor's degree or higher, which is well below the national average. Poverty affects a relatively small share of residents at 3.3%.
The unemployment rate in 40870 stands at 20.5%, which is more than double the national average. About 23% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 64%.
Overall, ZIP code 40870 in Totz, KY is characterized as working-class, less-educated, a mature community, and predominantly owner-occupied. With 635 residents, a median household income of $46,961, and a median home value of $128,800, it offers a clear picture of life in this part of Kentucky.