| ZIP Code | 42728 |
|---|---|
| City | Columbia |
| State | Kentucky (KY) |
| County | Adair County |
| Area Code | 270/364 |
| Elevation | 848 ft |
| Latitude | 37.117031 |
|---|---|
| Longitude | -85.29007 |
| Timezone | New York (DST) |
| FIPS | 21001 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.2 yrs ↓ 2% since 2019 |
|---|---|
| Avg Household Size | 2.44 |
| Below Poverty | 15.8% ▲ 58% above avg |
| College Grads | 32.8% ▼ 15% below avg |
| Unemployment | 7.8% ▲ 59% above avg |
| No HS Diploma | 189 (2%) |
| HS Graduate | 3,509 (37.1%) |
| Some College | 1,719 (18.2%) |
| Associates | 942 (10%) |
| Bachelors | 1,095 (11.6%) |
| Graduate Degree | 2,004 (21.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $49,063 ▼ 36% below avg ↑ 28% since 2019 |
|---|---|
| Median Home Value | $134,100 ▼ 52% below avg ↑ 36% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $776/mo ↑ 40% since 2019 |
| Total Units | 7,510 |
| Vacant Units | 1,410 |
| Avg HH Size | 2.44 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 7,510 |
|---|---|
| Vacant | 1,410 |
| Owner Occupied | 74.5% |
| Renter Occupied | 25.5% |
| Avg HH Size | 2.44 |
ZIP code 42728 is located in Columbia, Kentucky, within Adair County. With a population of 16,108, this is a moderately populated ZIP code with a middle-aged community — the median age is 40.2 years. Economically, 42728 is a working-class ZIP code: the median household income of $49,063 is below the national average.
Real estate in ZIP code 42728 represents one of the more affordable housing markets in the country. The median home value of $134,100 is well below the national average. Renters can expect to pay around $776 per month in median rent. Homeownership is strong here — 74.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 36% since 2019.
The population of 42728 is primarily White (90.07%). Residents are moderately educated — 32.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 15.8%. Household income has grown by 28% since 2019.
The unemployment rate in 42728 stands at 7.8%, which is significantly above the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 42728 in Columbia, KY is characterized as working-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 16,108 residents, a median household income of $49,063, and a median home value of $134,100, it offers a clear picture of life in this part of Kentucky.