Population & age
- Total population
- 6,350
- Median age
- 37.9
Hardinsburg, KY (40143)
Breckinridge County · Population 6,350
Fresh.Data current as of Apr 24, 2026
Hardinsburg, KY (ZIP 40143) sits in Breckinridge County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. IRS data shows average household income (AGI) of $60,993, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $43,778 per worker, roughly 33% below the US average. FDIC counts just 2 bank branches in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 28 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Annual precipitation averages 51.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,215 years of potential life lost per 100,000 (2025) — well above the national county median. New residents arriving here predominantly come from Meade County, KY (IRS SOI Migration, 2022-2023). 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 $59,489, fair market rent of $870 for a two-bedroom, and a typical home value of $178,719, down 2.7% 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.
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Demographics
Race & ethnicity
- White
- 96.8%
- Black
- 1.2%
- Asian
- 0.0%
- Hispanic / Latino
- 2.8%
- Other / multi-racial
- 1.9%
Income & housing
- Median household income
- $59,489
- Median home value
- $141,700
Education
- Bachelor's degree or higher (age 25+)
- 16.6%
Employment
- Unemployment rate
- 6.4%
Housing
- Owner-occupied
- 1,727(74.6%)
- Renter-occupied
- 588(25.4%)
- Vacant units
- 556
- Built (median)
- 1987
Commute
- Public transit
- 0(0.0%)
- Work from home
- 49(2.0%)
- Avg commute
- 27.8 min
Economic wellbeing
- Below poverty line
- 532(8.8%)
- Uninsured
- 6(0.1%)
Digital access
- Broadband access
- 1,838(79.4%)
- No broadband
- 477(20.6%)
Language & nativity
- Foreign-born
- 19(0.3%)
- Non-English at home
- 93(1.5%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$690
/month
1 Bed
$690
/month
2 Bed
$870
/month
3 Bed
$1,200
/month
4 Bed
$1,210
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$178,719
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-2.7%
vs. March 2025
5-year change
+37.7%
vs. March 2021
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
5
Across 2 permitted buildings. Total construction value: $500,000.
Single-family
0
0% of total units
Multifamily (2+ unit)
5
100% of total units
Single-family value
$0
construction value
Multifamily value
$500,000
construction value
Based on county-level data (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
2,450
Average AGI
$60,993
Avg property tax
$47
EITC participation
18.4%
Income distribution
- $1 – $25,00031.4% · 770
- $25,000 – $50,00024.9% · 610
- $50,000 – $75,00015.9% · 390
- $75,000 – $100,00011.0% · 270
- $100,000 – $200,00013.9% · 340
- $200,000 or more2.9% · 70
Avg mortgage interest
$116
Avg charitable contribution
$256
Avg capital gains
$3,711
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 $149.4M across all reported brackets.
Business & employment
Business establishments
151
Total employment
1,806
Annual payroll
$65.6M
Average annual pay
$36,335
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
$43,778
Average weekly wage
$842
Total employment
3,722
Total establishments
442
That is roughly 33% 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
5.8%
That is 1.8 percentage points above the US national unemployment rate of about 4.0%.
Labor force
8,329
Employed
7,850
Unemployed
479
Based on Breckinridge 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.
Banking access
FDIC-insured bank branches
2
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$273.6M
across all branches in this ZIP
Distinct institutions
2
different banks operating here
Top banks by deposits in this ZIP
- 1.The Cecilian Bank$143.8M · 1 branch
- 2.First State Bank$129.8M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Hospitals & healthcare facilities
Facilities located inside ZIP 40143 from CMS Provider Data. Star ratings reflect Overall Hospital Quality where applicable; “Not rated” means the facility didn't report enough measures to qualify.
Hospitals (1)
BRECKINRIDGE MEMORIAL HOSPITAL
★★★★★2.0
Critical Access Hospitals
Government - Local
Emergency services
1011 OLD HIGHWAY 60, HARDINSBURG, KY, 40143
Source: Centers for Medicare & Medicaid Services Provider Data (data.cms.gov). Public domain.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 central
Avg hours / week
48
across outlets in this ZIP
Avg square feet
10,000
per outlet
Outlets in this ZIP
- 1.Breckinridge County Public Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federal Disaster Declarations
Federally Declared Disasters
28
Date Range
1974–2026
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 Storm15 (54%)
- Tornado5 (18%)
- Biological2 (7%)
- Severe Ice Storm2 (7%)
- Snowstorm2 (7%)
- Other2 (7%)
Individual Assistance
5
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
26
Repair of public facilities & roads
Hazard Mitigation
14
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
56.7°F
44.4° – 68.9°
Annual precipitation
51.5"
Annual snowfall
4.4"
Heating · cooling days
4,418.4 · 1,420.5
Annual base 65°F
Nearest station: ROUGH RVR LAKE, KY US, 11.6 miles from the centroid of Hardinsburg, KY (ZIP 40143)
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)
12,215
That is roughly 4,015 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
29%
of adults self-report
Poor physical health days
5.5
avg per adult per month
Poor mental health days
5.6
avg per adult per month
Uninsured
8.2%
of residents under 65
Primary care MDs
24
per 100,000 residents
Preventable hospital stays
4,035
per 100K Medicare enrollees
Food environment (0-10)
7.1
10 = best access & security
Exercise access
29%
residents near a facility
Flu vaccinated
36%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.1% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Breckinridge 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
Moderate food access challenges
11.4% of Breckinridge County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.20
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.27
accepting food benefits
Fast-food restaurants
0.39
per 1,000 residents
Among low-income residents, 3.5% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Breckinridge 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 · 4 reports
Property crime rate
—
per 100K residents · 35 reports
Homicide
0
Robbery
0
Burglary
14
Vehicle theft
5
County-level data for Breckinridge (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)
▼−23 people
−27 households • +$7.6M net AGI flow
Moved in
538households
1,001 people • $29.2M AGI
Moved out
565households
1,024 people • $21.6M AGI
Where new residents came from
- Meade County, KY — 90 households
- Jefferson County, KY — 87 households
- Hardin County, KY — 76 households
- Grayson County, KY — 41 households
Where departing residents went
- Jefferson County, KY — 72 households
- Meade County, KY — 64 households
- Hardin County, KY — 48 households
- Grayson County, KY — 35 households
- Daviess County, KY — 33 households
Incoming households reported an average AGI of $54,230 versus departing households' $38,235.
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 40143. 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 40143: Applied to this ZIP's typical home value of $178,719, that works out to roughly $1,324/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 40143
Nearby ZIPs by distance
40111 (Cloverport, 6.5 mi) · 40144 (6.6 mi) · 40178 (8.3 mi) · 40146 (Irvington, 11 mi) · 40176 (11.7 mi) · 47574 (11.9 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
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Fresh.HUD SAFMR · May 1, 2026
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
21.4%
No national benchmark available.
Short Sleep Duration
41.1%
No national benchmark available.
Colorectal Cancer Screening
65.5%
No national benchmark available.
Dental Visit
54.8%
No national benchmark available.
Mammography
70.5%
No national benchmark available.
Schools in this ZIP
1 school serves this ZIP, including 1 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Hardinsburg Elementary School | Public | -1–5 | 470 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026What these numbers say together
Hardinsburg, KY (ZIP 40143) sits in Breckinridge County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. IRS data shows average household income (AGI) of $60,993, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $43,778 per worker, roughly 33% below the US average. FDIC counts just 2 bank branches in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 28 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Annual precipitation averages 51.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,215 years of potential life lost per 100,000 (2025) — well above the national county median. New residents arriving here predominantly come from Meade County, KY (IRS SOI Migration, 2022-2023). 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 $59,489, fair market rent of $870 for a two-bedroom, and a typical home value of $178,719, down 2.7% 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 40143
How many schools are in ZIP 40143?
1 school serves this ZIP, including 1 public school (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 40143 have charter schools?
No charter schools are listed in ZIP 40143 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 40143?
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 27, 2026).
What is the population of ZIP 40143?
6,350 people live in ZIP 40143, with a median age of 37.9 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40143?
$59,489 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40143 mostly renters or homeowners?
In ZIP 40143, 74.6% of occupied housing units are owner-occupied and 25.4% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40143?
In ZIP 40143, 2.0% 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 40143?
8.8% of the population in ZIP 40143 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40143 have broadband internet?
79.4% of households in ZIP 40143 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40143?
The typical home value in ZIP 40143 is $178,719, down 2.7% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40143?
Home values are down 2.7% over the past year and up 37.7% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40143?
The average Adjusted Gross Income reported on tax returns from ZIP 40143 (Hardinsburg, KY) is $60,993 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40143?
Tax returns from ZIP 40143 report an average of $47 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40143 earn over $200,000?
2.9% of tax returns from ZIP 40143 (Hardinsburg, 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 40143?
As of 2022, 151 business establishments operated in ZIP 40143 employing 1,806 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40143?
The average annual pay across all local establishments in ZIP 40143 is $36,335, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40143 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40143 ranks in the 58th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40143?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40143, ranking in the 77th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40143 experienced?
FEMA has recorded 28 federal disaster declarations affecting ZIP 40143 between 1974–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40143?
Severe Storm is the most common federally declared disaster type affecting ZIP 40143, accounting for 15 of 28 declarations (54%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40143?
The most recent FEMA disaster declaration affecting ZIP 40143 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 40143?
ZIP 40143 has an average annual temperature of 56.7°F and 51.5" of annual precipitation based on the ROUGH RVR LAKE, KY US weather station 11.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What hospitals are in ZIP 40143?
1 hospital is located in ZIP 40143 1 is rated by CMS, with an average overall rating of 2.0 out of 5 stars (CMS Hospital Compare, 2024).
What taxes apply in ZIP 40143?
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 40143?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (1 school), 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 (28 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), hospitals from CMS Hospital Compare, 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. School data retrieved Apr 27, 2026 from NCES CCD. 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 (28 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 40143
Nearby ZIPs by distance
40111 (Cloverport, 6.5 mi) · 40144 (6.6 mi) · 40178 (8.3 mi) · 40146 (Irvington, 11 mi) · 40176 (11.7 mi) · 47574 (11.9 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 40143?
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
58th percentile
High Vulnerability
Based on 4 census tracts, population 5,618
Vulnerability Themes
Households Without Vehicle
97
Limited English Speakers
5
Persons with Disability
1,100
Without HS Diploma
447
Without Health Insurance
219
Adults Age 65+
1,163
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.