| ZIP Code | 42320 |
|---|---|
| City | Beaver Dam |
| State | Kentucky (KY) |
| County | Ohio County |
| Area Code | 270/364 |
| Elevation | 455 ft |
| Latitude | 37.332728 |
|---|---|
| Longitude | -86.867017 |
| Timezone | New York (DST) |
| FIPS | 21183 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.1 yrs |
|---|---|
| Avg Household Size | 2.60 |
| Below Poverty | 16.5% ▲ 65% above avg |
| College Grads | 28.2% ▼ 27% below avg |
| Unemployment | 7.9% ▲ 62% above avg |
| No HS Diploma | 98 (2.1%) |
| HS Graduate | 1,541 (32.4%) |
| Some College | 938 (19.7%) |
| Associates | 842 (17.7%) |
| Bachelors | 563 (11.8%) |
| Graduate Degree | 780 (16.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $50,777 ▼ 33% below avg ↑ 22% since 2019 |
|---|---|
| Median Home Value | $115,100 ▼ 59% below avg ↑ 26% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Median Rent | $805/mo ↑ 24% since 2019 |
| Total Units | 3,674 |
| Vacant Units | 385 |
| Avg HH Size | 2.60 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,674 |
|---|---|
| Vacant | 385 |
| Owner Occupied | 74.8% |
| Renter Occupied | 25.2% |
| Avg HH Size | 2.60 |
ZIP code 42320 is located in Beaver Dam, Kentucky, within Ohio County. With a population of 8,630, this is a lightly populated ZIP code with a middle-aged community — the median age is 38.1 years. Economically, 42320 is a working-class ZIP code: the median household income of $50,777 is below the national average.
Real estate in ZIP code 42320 represents one of the more affordable housing markets in the country. The median home value of $115,100 is well below the national average. Renters can expect to pay around $805 per month in median rent. Homeownership is strong here — 74.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 26% since 2019.
The population of 42320 is primarily White (86.01%). Residents are moderately educated — 28.2% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 16.5%. Household income has grown by 22% since 2019.
The unemployment rate in 42320 stands at 7.9%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 83%.
Overall, ZIP code 42320 in Beaver Dam, KY is characterized as working-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 8,630 residents, a median household income of $50,777, and a median home value of $115,100, it offers a clear picture of life in this part of Kentucky.