ZIP Code 42076 — undefined, KY Demographics & Data

ZIP code 42076 covers KY in Calloway County with a population of about 1,085.

At a glance, the area shows median age of 60.5 versus a U.S. median of about 38.9.

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

KY fits a retirement-oriented profile (older median age or known retirement-community context). 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 42076 is about $39,226 — about 48% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 4.2%; 13.5% of adults with a bachelor’s degree or higher (about 20.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Transportation, and Finance and insurance; about 2.1% of workers reporting work-from-home (about 13.1 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 $154,900 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 74.2% (about 8.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42076 in KY, a household would need roughly $43,000 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 $995. That is roughly in line with the local median household income ($39,226). 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 75.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (50.7) and hurricane (39.4). 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 58.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 42076 (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.