ZIP Code 40820 — undefined, KY Demographics & Data

ZIP code 40820 covers KY in Harlan County with a population of about 55.

At a glance, the area shows median age of 68.2 versus a U.S. median of about 38.9.

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

KY fits a retirement-oriented profile (high share of residents 65+ (50.9%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 40820 is about $18,200 — about 76% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 54.5%.

Median home value is about $22,000 — about 94% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40820 in KY, a household would need roughly $6,000 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 $141. That sits below the local median household income ($18,200), 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 KY as Relatively Low (composite score 65.7), which is near the middle of the national distribution. The strongest component scores on US5 are flood (79.9) and wildfire (69.8). 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 KY show little to no average snow and around 49.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 40820 (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.