ZIP Code 41635 — Betsy Layne CDP, KY Demographics & Data

ZIP code 41635 covers Betsy Layne, KY in Floyd County with a population of about 3,314.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

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

Median household income in ZIP 41635 is about $37,839 — about 50% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.7%; unemployment rate near 11.2%; 11.6% of adults with a bachelor’s degree or higher (about 22.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Wholesale trade; about 4.3% of workers reporting work-from-home (about 10.9 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 $77,300 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $585 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 78.3% (about 12.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41635 in Betsy Layne, 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 $497. That sits below the local median household income ($37,839), 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 Betsy Layne CDP, KY as Relatively Moderate (composite score 94.2), which is among the highest nationally. The strongest component scores on US5 are flood (97.8) and wildfire (86.3). 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 Betsy Layne CDP, KY show little to no average snow.

IRS migration statistics show a net inflow of about 124 for ZIP 41635 (Betsy Layne CDP, 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.