ZIP Code 42044 — Calvert City city, KY Demographics & Data

ZIP code 42044 covers Calvert City, KY in Marshall County with a population of about 4,344.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area codes 270, 364; U.S. House district KY-1; the PADUCAH - CAPE GIRAR D - HARSBG media market.

Median household income in ZIP 42044 is about $59,432 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.4%; unemployment rate near 3.6%; 16.2% of adults with a bachelor’s degree or higher (about 17.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Manufacturing; about 13.9% of workers reporting work-from-home (about 1.3 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 $237,400 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $485 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 89.5% (about 24.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42044 in Calvert City, KY, a household would need roughly $65,000 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 $1,525. That is roughly in line with the local median household income ($59,432). 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 Calvert City city, KY as Relatively Low (composite score 61.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (47.3) and hurricane (41.9). 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 Calvert City city, KY show little to no average snow.

IRS migration statistics show a net inflow of about 162 for ZIP 42044 (Calvert City 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.