Population & age
- Total population
- 703
- Median age
- 37.2
ZIP 40914, KY (40914)
Clay County · Population 703
Fresh.Data current as of Apr 24, 2026
KY 40914 (ZIP 40914) sits in Clay County. 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. 3 colleges and universities serve the area, with median in-state tuition of $20,833. 37% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $45,485 per worker, roughly 31% below the US average. BLS LAUS records a 7.2% county unemployment rate (2024) — about 3.2 points above the US average and a labor-market distress signal. FEMA has issued 51 federal disaster declarations affecting this ZIP since 1967 — a high-frequency exposure profile. Annual precipitation averages 51.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 16,674 years of potential life lost per 100,000 (2025) — well above the national county median. 25.2% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net loss of 169 residents (84 households) — the ZIP's primary county is shrinking. 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: fair market rent of $870 for a two-bedroom and a median home value of $55,800. 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
- 100.0%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
Income & housing
- Median home value
- $55,800
Education
- Bachelor's degree or higher (age 25+)
- 11.8%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 139(56.3%)
- Renter-occupied
- 108(43.7%)
- Vacant units
- 96
- Built (median)
- 1983
Commute
- Public transit
- 14(5.9%)
- Work from home
- 0(0.0%)
- Avg commute
- 35.4 min
Economic wellbeing
- Below poverty line
- 41(6.2%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 208(84.2%)
- No broadband
- 39(15.8%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$670
/month
1 Bed
$760
/month
2 Bed
$870
/month
3 Bed
$1,180
/month
4 Bed
$1,320
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
0
Across 0 permitted buildings. Total construction value: $0.
Single-family
0
Multifamily (2+ unit)
0
Single-family value
$0
construction value
Multifamily value
$0
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
190
Average AGI
$40,711
Avg property tax
—
EITC participation
36.8%
Income distribution
- $1 – $25,00036.8% · 70
- $25,000 – $50,00026.3% · 50
- $50,000 – $75,00021.1% · 40
- $75,000 – $100,00015.8% · 30
- $100,000 – $200,0000.0% · 0
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
—
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 $7.7M across all reported brackets.
Employment & wages
Average annual pay
$45,485
Average weekly wage
$875
Total employment
4,077
Total establishments
418
That is roughly 31% 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
7.2%
That is 3.2 percentage points above the US national unemployment rate of about 4.0%.
Labor force
5,885
Employed
5,461
Unemployed
424
Based on Clay 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
51
Date Range
1967–2026
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 Storm26 (51%)
- Flood12 (24%)
- Severe Ice Storm3 (6%)
- Snowstorm3 (6%)
- Biological2 (4%)
- Other5 (10%)
Individual Assistance
14
Direct help to disaster survivors
Households Program
8
Housing & temporary lodging support
Public Assistance
50
Repair of public facilities & roads
Hazard Mitigation
24
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
56.1°F
44.4° – 67.8°
Annual precipitation
51.5"
Annual snowfall
8.6"
Heating · cooling days
4,333.6 · 1,115
Annual base 65°F
Nearest station: ONEIDA, KY US, 12.8 miles from the centroid of ZIP 40914 (ZIP 40914)
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)
16,674
That is roughly 8,474 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
31%
of adults self-report
Poor physical health days
6.0
avg per adult per month
Poor mental health days
5.9
avg per adult per month
Uninsured
8.3%
of residents under 65
Primary care MDs
40
per 100,000 residents
Preventable hospital stays
3,899
per 100K Medicare enrollees
Food environment (0-10)
4.9
10 = best access & security
Exercise access
99%
residents near a facility
Flu vaccinated
16%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 11.6% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Clay 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
Significant food access concerns
25.2% of Clay 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
1.53
accepting food benefits
Fast-food restaurants
0.56
per 1,000 residents
Among low-income residents, 13.8% 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 Clay 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 · 9 reports
Property crime rate
—
per 100K residents · 71 reports
Homicide
0
Robbery
0
Burglary
4
Vehicle theft
21
County-level data for Clay (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)
▼−169 people
−84 households • −$6.6M net AGI flow
Moved in
242households
509 people • $7.6M AGI
Moved out
326households
678 people • $14.2M AGI
Where new residents came from
- Laurel County, KY — 84 households
Where departing residents went
- Laurel County, KY — 118 households
Incoming households reported an average AGI of $31,566 versus departing households' $43,595.
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 40914. 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 40914: Applied to this ZIP's typical home value of $55,800, that works out to roughly $413/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 40914
Nearby ZIPs by distance
40827 (5 mi) · 41714 (6.1 mi) · 40979 (7.2 mi) · 40868 (8 mi) · 41762 (8.9 mi) · 40803 (8.9 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
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
29.5%
No national benchmark available.
Short Sleep Duration
40.4%
No national benchmark available.
Colorectal Cancer Screening
61.1%
No national benchmark available.
Dental Visit
46.6%
No national benchmark available.
Mammography
68.4%
No national benchmark available.
Colleges & universities nearby
Colleges in this area
3
Median in-state tuition
$20,833
Median earnings (10 yr)
$41,813
- 4-Year
Union Commonwealth University
Barbourville, KY · 40906
- In-state tuition
- $30,946
- Out-of-state tuition
- $30,946
- Acceptance rate
- 63.1%
- Graduation rate
- 34.2%
- Median earnings (10 yr)
- $42,002
- Median student debt
- $24,250
- 4-Year
Clear Creek Baptist Bible College
Pineville, KY · 40977
- In-state tuition
- $10,720
- Out-of-state tuition
- $10,720
- Acceptance rate
- —
- Graduation rate
- 42.5%
- Median earnings (10 yr)
- $41,623
- Median student debt
- —
- Certificate
Edge Academy of Beauty
Manchester, KY · 40962
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- —
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
KY 40914 (ZIP 40914) sits in Clay County. 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. 3 colleges and universities serve the area, with median in-state tuition of $20,833. 37% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $45,485 per worker, roughly 31% below the US average. BLS LAUS records a 7.2% county unemployment rate (2024) — about 3.2 points above the US average and a labor-market distress signal. FEMA has issued 51 federal disaster declarations affecting this ZIP since 1967 — a high-frequency exposure profile. Annual precipitation averages 51.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 16,674 years of potential life lost per 100,000 (2025) — well above the national county median. 25.2% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net loss of 169 residents (84 households) — the ZIP's primary county is shrinking. 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: fair market rent of $870 for a two-bedroom and a median home value of $55,800. 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 40914
What is the population of ZIP 40914?
703 people live in ZIP 40914, with a median age of 37.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40914 mostly renters or homeowners?
In ZIP 40914, 56.3% of occupied housing units are owner-occupied and 43.7% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40914?
In ZIP 40914, 0.0% of workers work from home. Public transit is used by 5.9% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40914?
6.2% of the population in ZIP 40914 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40914 have broadband internet?
84.2% of households in ZIP 40914 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the average household income in ZIP 40914?
The average Adjusted Gross Income reported on tax returns from ZIP 40914 (KY 40914) is $40,711 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40914?
Tax returns from ZIP 40914 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 40914 earn over $200,000?
0.0% of tax returns from ZIP 40914 (KY 40914) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How vulnerable is ZIP 40914 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40914 ranks in the 68th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40914?
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 40914, ranking in the 73th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40914 experienced?
FEMA has recorded 51 federal disaster declarations affecting ZIP 40914 between 1967–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40914?
Severe Storm is the most common federally declared disaster type affecting ZIP 40914, accounting for 26 of 51 declarations (51%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40914?
The most recent FEMA disaster declaration affecting ZIP 40914 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 40914?
3 colleges and universities are listed near ZIP 40914 by the U.S. Department of Education College Scorecard, including Union Commonwealth University, Clear Creek Baptist Bible College, and Edge Academy Of Beauty (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 40914?
Median in-state tuition across 3 nearby institutions is $20,833 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 40914?
Graduates of nearby colleges earn a median of $41,813 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 40914?
ZIP 40914 has an average annual temperature of 56.1°F and 51.5" of annual precipitation based on the ONEIDA, KY US weather station 12.8 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 40914?
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 40914?
This page covers health outcomes from CDC PLACES (5 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (3 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (51 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). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (51 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 40914
Nearby ZIPs by distance
40827 (5 mi) · 41714 (6.1 mi) · 40979 (7.2 mi) · 40868 (8 mi) · 41762 (8.9 mi) · 40803 (8.9 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 40914?
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
68th percentile
High Vulnerability
Based on 3 census tracts, population 1,332
Vulnerability Themes
Households Without Vehicle
45
Persons with Disability
333
Without HS Diploma
255
Without Health Insurance
50
Adults Age 65+
230
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.