ZIP Code 42134 — Franklin city, KY Demographics & Data

ZIP code 42134 covers Franklin, KY in Simpson County with a population of about 19,117.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 270, 364; U.S. House district KY-1; the NASHVILLE media market.

Median household income in ZIP 42134 is about $55,347 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.2%; unemployment rate near 3.6%; 17.0% of adults with a bachelor’s degree or higher (about 16.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Education; about 5.2% of workers reporting work-from-home (about 10.0 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 $193,300 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $703 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 65.2% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42134 in Franklin, KY, a household would need roughly $53,000 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 $1,242. That is roughly in line with the local median household income ($55,347). 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 Franklin city, KY as Very Low (composite score 27.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (27.3) and flood (24.2). 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 Franklin city, KY show little to no average snow and around 54.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 714 for ZIP 42134 (Franklin 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.