| ZIP Code | 40972 |
|---|---|
| City | Oneida |
| State | Kentucky (KY) |
| County | Clay County |
| Area Code | 606 |
| Elevation | 861 ft |
| Latitude | 37.240525 |
|---|---|
| Longitude | -83.587899 |
| Timezone | New York (DST) |
| FIPS | 21051 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.3 yrs ↓ 2% since 2019 |
|---|---|
| Avg Household Size | 2.79 |
| Below Poverty | 19.2% ▲ 92% above avg |
| College Grads | 44.0% ▲ 13% above avg |
| Unemployment | 9.5% ▲ 94% above avg |
| No HS Diploma | 13 (1.7%) |
| HS Graduate | 188 (23.9%) |
| Some College | 171 (21.7%) |
| Associates | 69 (8.8%) |
| Bachelors | 151 (19.2%) |
| Graduate Degree | 195 (24.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $55,842 ▼ 27% below avg ↑ 66% since 2019 |
|---|---|
| Median Home Value | $53,300 ▼ 81% below avg ↑ 15% since 2019 |
| Home/Income Ratio | 1.0x (nat avg ~3.5x) |
| Total Units | 654 |
| Vacant Units | 153 |
| Avg HH Size | 2.79 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 654 |
|---|---|
| Vacant | 153 |
| Owner Occupied | 80.4% |
| Renter Occupied | 19.6% |
| Avg HH Size | 2.79 |
ZIP code 40972 is located in Oneida, Kentucky, within Clay County. With a population of 1,443, this is a sparsely populated ZIP code with a middle-aged community — the median age is 41.3 years. Economically, 40972 is a solidly middle-class ZIP code: the median household income of $55,842 is below the national average.
Real estate in ZIP code 40972 represents one of the more affordable housing markets in the country. The median home value of $53,300 is well below the national average. Homeownership is strong here — 80.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 15% since 2019.
The population of 40972 is primarily White (98.54%). Residents are well-educated — 44.0% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 19.2%. Household income has grown by 66% since 2019.
The unemployment rate in 40972 stands at 9.5%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 64%.
Overall, ZIP code 40972 in Oneida, KY is characterized as solidly middle-class, well-educated, a middle-aged community, and predominantly owner-occupied. With 1,443 residents, a median household income of $55,842, and a median home value of $53,300, it offers a clear picture of life in this part of Kentucky.