ZIP Code 41861 — undefined, KY Demographics & Data

ZIP code 41861 covers KY in Knott County with a population of about 288.

At a glance, the area shows median age of 38.8 (near the U.S. median).

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

Median household income in ZIP 41861 is about $22,257 — about 70% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 55.2%; unemployment rate near 38.2%; 15.5% of adults with a bachelor’s degree or higher (about 18.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education and Utilities; about 44.1% of workers reporting work-from-home (about 28.9 points above the U.S. share (15.2%)); a mean commute of about 19.0 minutes (U.S. average near 26.8).

Median home value is about $32,500 — about 91% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.6% (about 17.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41861 in KY, a household would need roughly $9,000 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 $209. That sits below the local median household income ($22,257), 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 52.1), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (74.1) and flood (73.1). 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.

IRS migration statistics show a net inflow of about 11 for ZIP 41861 (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.