ZIP Code 40322 — Frenchburg city, KY Demographics & Data

ZIP code 40322 covers Frenchburg, KY in Menifee County with a population of about 3,207.

At a glance, the area shows median age of 43.7 versus a U.S. median of about 38.9.

It sits in telephone area code 606; U.S. House district KY-5; the LEXINGTON media market.

Median household income in ZIP 40322 is about $44,720 — about 40% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.5%; unemployment rate near 8.5%; 12.4% of adults with a bachelor’s degree or higher (about 21.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 15.0% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $119,000 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $376 (about 68% below the U.S. median rent ($1,163)), and owner-occupancy near 69.4% (about 4.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40322 in Frenchburg, KY, a household would need roughly $33,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $764. That sits below the local median household income ($44,720), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Frenchburg city, KY as Very Low (composite score 6.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (51.5) and flood (21.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Frenchburg city, KY show little to no average snow and around 50.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 120 for ZIP 40322 (Frenchburg city, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.