Population & age
- Total population
- 824
- Median age
- 34.6
Chaplin, KY (40012)
Nelson County · Louisville/Jefferson County, KY-IN · Population 824
Fresh.Data current as of Apr 24, 2026
Chaplin, KY (ZIP 40012) sits in Nelson County within the Louisville/Jefferson County metro area. The page draws on 1 federal data feed retrieved Apr 24. Health-survey coverage is limited for this ZIP. No NCES schools are mapped to this ZIP in the current dataset. IRS data shows average household income (AGI) of $53,737 per tax return. Local establishments report average pay of $28,917 per worker (Census ZBP) — below the US average. FEMA has issued 30 federal disaster declarations affecting this ZIP since 1970 — a high-frequency exposure profile. Annual precipitation averages 51.6" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 10,516 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. IRS migration data (2022-2023) shows a net gain of 245 residents (171 households) — the ZIP's primary county is growing. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $79,138, fair market rent of $900 for a two-bedroom, and a typical home value of $215,372, up 4.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Loading map…
Demographics
Race & ethnicity
- White
- 90.4%
- Black
- 0.4%
- Asian
- 0.0%
- Hispanic / Latino
- 8.7%
- Other / multi-racial
- 9.2%
Income & housing
- Median household income
- $79,138
Education
- Bachelor's degree or higher (age 25+)
- 11.9%
Employment
- Unemployment rate
- 2.2%
Housing
- Owner-occupied
- 162(71.1%)
- Renter-occupied
- 66(28.9%)
- Vacant units
- 0
- Built (median)
- 1972
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
- Avg commute
- 37.2 min
Economic wellbeing
- Below poverty line
- 102(12.4%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 205(89.9%)
- No broadband
- 23(10.1%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 61(8.2%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$670
/month
1 Bed
$820
/month
2 Bed
$900
/month
3 Bed
$1,240
/month
4 Bed
$1,490
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$215,372
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+4.6%
vs. March 2025
5-year change
+37.1%
vs. March 2021
Metro area
Bardstown, KY
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
285
Across 258 permitted buildings. Total construction value: $72.0M.
Single-family
250
88% of total units
Multifamily (2+ unit)
35
12% of total units
Single-family value
$68.5M
construction value
Multifamily value
$3.5M
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
270
Average AGI
$53,737
Avg property tax
—
EITC participation
18.5%
Income distribution
- $1 – $25,00033.3% · 90
- $25,000 – $50,00025.9% · 70
- $50,000 – $75,00018.5% · 50
- $75,000 – $100,00011.1% · 30
- $100,000 – $200,00011.1% · 30
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
$678
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $14.5M across all reported brackets.
Business & employment
Business establishments
7
Total employment
24
Annual payroll
$694K
Average annual pay
$28,917
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$56,670
Average weekly wage
$1,090
Total employment
18,445
Total establishments
1,530
That is roughly 13% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.7%
That is 0.7 percentage points above the US national unemployment rate of about 4.0%.
Labor force
23,325
Employed
22,223
Unemployed
1,102
Based on Nelson County, KY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
30
Date Range
1970–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3633)
Incident period: January 23, 2026 – January 27, 2026
Top Incident Types
- Severe Storm12 (40%)
- Flood5 (17%)
- Snowstorm4 (13%)
- Severe Ice Storm3 (10%)
- Biological2 (7%)
- Other4 (13%)
Individual Assistance
8
Direct help to disaster survivors
Households Program
6
Housing & temporary lodging support
Public Assistance
27
Repair of public facilities & roads
Hazard Mitigation
15
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
56.8°F
46.6° – 67°
Annual precipitation
51.6"
Annual snowfall
11.9"
Heating · cooling days
4,235.3 · 1,272.6
Annual base 65°F
Nearest station: BARDSTOWN 5E, KY US, 13.5 miles from the centroid of Chaplin, KY (ZIP 40012)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
10,516
That is roughly 2,316 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
18%
of adults self-report
Poor physical health days
4.2
avg per adult per month
Poor mental health days
5.0
avg per adult per month
Uninsured
5.4%
of residents under 65
Primary care MDs
53
per 100,000 residents
Preventable hospital stays
2,837
per 100K Medicare enrollees
Food environment (0-10)
8.7
10 = best access & security
Exercise access
61%
residents near a facility
Flu vaccinated
52%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Nelson data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
3.9% of Nelson County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.13
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.92
accepting food benefits
Fast-food restaurants
0.58
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Nelson County, KY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 26 reports
Property crime rate
—
per 100K residents · 131 reports
Homicide
0
Robbery
3
Burglary
28
Vehicle theft
20
County-level data for Nelson (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+245 people
+171 households • +$14.7M net AGI flow
Moved in
1,394households
2,416 people • $84.3M AGI
Moved out
1,223households
2,171 people • $69.6M AGI
Where new residents came from
- Jefferson County, KY — 247 households
- Bullitt County, KY — 162 households
- Hardin County, KY — 99 households
- Washington County, KY — 62 households
- Marion County, KY — 53 households
Where departing residents went
- Jefferson County, KY — 182 households
- Bullitt County, KY — 115 households
- Hardin County, KY — 71 households
- Washington County, KY — 60 households
- Marion County, KY — 47 households
Incoming households reported an average AGI of $60,451 versus departing households' $56,884.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Kentucky
State-level rules that apply to every resident of ZIP 40012. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.00%
State 6.00% · avg local 0.00%
Property tax (effective)
0.74%
Median $2,003/year
Tax burden rank
23 of 50
9.80% of personal income
For ZIP 40012: Applied to this ZIP's typical home value of $215,372, that works out to roughly $1,595/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 40012
Nearby ZIPs by distance
40078 (Willisburg, 5.8 mi) · 40008 (Bloomfield, 5.9 mi) · 40046 (7.7 mi) · 40040 (Mackville, 10.8 mi) · 40020 (Fairfield, 12.1 mi) · 40342 (Lawrenceburg, 12.6 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
14.3%
No national benchmark available.
Short Sleep Duration
37.7%
No national benchmark available.
Colorectal Cancer Screening
68.4%
No national benchmark available.
Dental Visit
61.5%
No national benchmark available.
Mammography
75.0%
No national benchmark available.
What these numbers say together
Chaplin, KY (ZIP 40012) sits in Nelson County within the Louisville/Jefferson County metro area. The page draws on 1 federal data feed retrieved Apr 24. Health-survey coverage is limited for this ZIP. No NCES schools are mapped to this ZIP in the current dataset. IRS data shows average household income (AGI) of $53,737 per tax return. Local establishments report average pay of $28,917 per worker (Census ZBP) — below the US average. FEMA has issued 30 federal disaster declarations affecting this ZIP since 1970 — a high-frequency exposure profile. Annual precipitation averages 51.6" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 10,516 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. IRS migration data (2022-2023) shows a net gain of 245 residents (171 households) — the ZIP's primary county is growing. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $79,138, fair market rent of $900 for a two-bedroom, and a typical home value of $215,372, up 4.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Both surfaces skew lighter than national averages. That isn’t a verdict — small-area estimates compress real neighborhood-level texture, and a single ZIP reading can miss a district line or a hospital corridor sitting just outside it. Treat this as a starting point for fieldwork, not a conclusion.
Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 40012
What is the population of ZIP 40012?
824 people live in ZIP 40012, with a median age of 34.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40012?
$79,138 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40012 mostly renters or homeowners?
In ZIP 40012, 71.1% of occupied housing units are owner-occupied and 28.9% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40012?
In ZIP 40012, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40012?
12.4% of the population in ZIP 40012 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40012 have broadband internet?
89.9% of households in ZIP 40012 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40012?
The typical home value in ZIP 40012 is $215,372, up 4.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40012?
Home values are up 4.6% over the past year and up 37.1% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40012?
The average Adjusted Gross Income reported on tax returns from ZIP 40012 (Chaplin, KY) is $53,737 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40012?
Tax returns from ZIP 40012 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40012 earn over $200,000?
0.0% of tax returns from ZIP 40012 (Chaplin, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 40012?
As of 2022, 7 business establishments operated in ZIP 40012 employing 24 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40012?
The average annual pay across all local establishments in ZIP 40012 is $28,917, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40012 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40012 ranks in the 26th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40012?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40012, ranking in the 45th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40012 experienced?
FEMA has recorded 30 federal disaster declarations affecting ZIP 40012 between 1970–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40012?
Severe Storm is the most common federally declared disaster type affecting ZIP 40012, accounting for 12 of 30 declarations (40%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40012?
The most recent FEMA disaster declaration affecting ZIP 40012 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What is the climate like in ZIP 40012?
ZIP 40012 has an average annual temperature of 56.8°F and 51.6" of annual precipitation based on the BARDSTOWN 5E, KY US weather station 13.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 40012?
Kentucky has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Does Kentucky have paid family leave?
Kentucky runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 40012?
This page covers health outcomes from CDC PLACES (5 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (30 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (30 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 40012
Nearby ZIPs by distance
40078 (Willisburg, 5.8 mi) · 40008 (Bloomfield, 5.9 mi) · 40046 (7.7 mi) · 40040 (Mackville, 10.8 mi) · 40020 (Fairfield, 12.1 mi) · 40342 (Lawrenceburg, 12.6 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 40012?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
26th percentile
Moderate Vulnerability
Based on 2 census tracts, population 562
Vulnerability Themes
Households Without Vehicle
5
Persons with Disability
108
Without HS Diploma
27
Without Health Insurance
10
Adults Age 65+
111
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.