| ZIP Code | 40965 |
|---|---|
| City | Middlesboro |
| State | Kentucky (KY) |
| County | Bell County |
| Area Code | 606 |
| Elevation | 1,533 ft |
| Latitude | 36.619993 |
|---|---|
| Longitude | -83.731847 |
| Timezone | New York (DST) |
| FIPS | 21013 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.1 yrs ↓ 2% since 2019 |
|---|---|
| Avg Household Size | 2.32 |
| Below Poverty | 29.4% ▲ 194% above avg |
| College Grads | 28.8% ▼ 26% below avg |
| Unemployment | 12.5% ▲ 155% above avg |
| No HS Diploma | 122 (1.8%) |
| HS Graduate | 2,526 (36.7%) |
| Some College | 710 (10.3%) |
| Associates | 1,545 (22.4%) |
| Bachelors | 761 (11%) |
| Graduate Degree | 1,225 (17.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $30,980 ▼ 59% below avg ↑ 18% since 2019 |
|---|---|
| Median Home Value | $84,500 ▼ 70% below avg ↓ 5% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $664/mo ↑ 19% since 2019 |
| Total Units | 6,047 |
| Vacant Units | 1,074 |
| Avg HH Size | 2.32 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 6,047 |
|---|---|
| Vacant | 1,074 |
| Owner Occupied | 57.0% |
| Renter Occupied | 43.0% |
| Avg HH Size | 2.32 |
ZIP code 40965 is located in Middlesboro, Kentucky, within Bell County. With a population of 11,698, this is a lightly populated ZIP code with a middle-aged community — the median age is 41.1 years. Economically, 40965 is a lower-income ZIP code: the median household income of $30,980 is well below the national average.
Real estate in ZIP code 40965 represents one of the more affordable housing markets in the country. The median home value of $84,500 is well below the national average. Renters can expect to pay around $664 per month in median rent. The area has a relatively balanced mix of owners (57.0%) and renters (43.0%). Median home values have decreased by 5% since 2019.
The population of 40965 is primarily White (90.86%). Residents are moderately educated — 28.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 29.4%. Household income has grown by 18% since 2019.
The unemployment rate in 40965 stands at 12.5%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 63%.
Overall, ZIP code 40965 in Middlesboro, KY is characterized as lower-income, moderately educated, and a middle-aged community. With 11,698 residents, a median household income of $30,980, and a median home value of $84,500, it offers a clear picture of life in this part of Kentucky.