ZIP Code 40823 — Cumberland city, KY Demographics & Data

ZIP code 40823 covers Cumberland, KY in Harlan County with a population of about 3,907.

At a glance, the area shows median age of 31.8 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.

Cumberland, KY sits in a university / college context (near southeast kentucky community & technical college (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 40823 is about $35,704 — about 52% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 42.3%; unemployment rate near 17.5%; 12.9% of adults with a bachelor’s degree or higher (about 20.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Other services; about 8.1% of workers reporting work-from-home (about 7.1 points below 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 $75,800 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $431 (about 63% below the U.S. median rent ($1,163)), and owner-occupancy near 57.5% (about 7.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40823 in Cumberland, KY, a household would need roughly $21,000 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 $487. That sits below the local median household income ($35,704), 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 Cumberland city, 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 Cumberland city, KY show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 146 for ZIP 40823 (Cumberland 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.