| ZIP Code | 42404 |
|---|---|
| City | Clay |
| State | Kentucky (KY) |
| County | Webster County |
| Area Code | 270/364 |
| Elevation | 353 ft |
| Latitude | 37.481982 |
|---|---|
| Longitude | -87.837134 |
| Timezone | New York (DST) |
| FIPS | 21233 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 37.3 yrs ↓ 6% since 2019 |
|---|---|
| Avg Household Size | 2.53 |
| Below Poverty | 14.4% ▲ 44% above avg |
| College Grads | 30.5% ▼ 21% below avg |
| Unemployment | 5.3% ≈ Avg |
| No HS Diploma | 33 (2.6%) |
| HS Graduate | 434 (34.4%) |
| Some College | 192 (15.2%) |
| Associates | 218 (17.3%) |
| Bachelors | 167 (13.2%) |
| Graduate Degree | 217 (17.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $51,750 ▼ 32% below avg ↑ 37% since 2019 |
|---|---|
| Median Home Value | $106,800 ▼ 62% below avg ↑ 52% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $757/mo ↑ 66% since 2019 |
| Total Units | 1,068 |
| Vacant Units | 173 |
| Avg HH Size | 2.53 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,068 |
|---|---|
| Vacant | 173 |
| Owner Occupied | 81.1% |
| Renter Occupied | 18.9% |
| Avg HH Size | 2.53 |
ZIP code 42404 is located in Clay, Kentucky, within Webster County. With a population of 2,268, this is a sparsely populated ZIP code with a relatively young community — the median age is 37.3 years. Economically, 42404 is a working-class ZIP code: the median household income of $51,750 is below the national average.
Real estate in ZIP code 42404 represents one of the more affordable housing markets in the country. The median home value of $106,800 is well below the national average. Renters can expect to pay around $757 per month in median rent. Homeownership is strong here — 81.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 52% since 2019.
The population of 42404 is primarily White (94.18%). Residents are moderately educated — 30.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 14.4%. Household income has grown by 37% since 2019.
The unemployment rate in 42404 stands at 5.3%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 90%.
Overall, ZIP code 42404 in Clay, KY is characterized as working-class, moderately educated, a relatively young community, and predominantly owner-occupied. With 2,268 residents, a median household income of $51,750, and a median home value of $106,800, it offers a clear picture of life in this part of Kentucky.