Population & age
- Total population
- 3,953
- Median age
- 38.6
Calvert City, KY (42044)
Marshall County · Population 3,953
Fresh.Data current as of Apr 24, 2026
Calvert City, KY (ZIP 42044) sits in Marshall 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. 2 colleges and universities serve the area, with median in-state tuition of $7,314. IRS data shows average household income (AGI) of $83,564, well above the ~$45K national average per return. The CDC SVI flags household composition (71th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 31th-percentile score. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. IRS migration data (2022-2023) shows a net gain of 302 residents (88 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 $65,714, fair market rent of $870 for a two-bedroom, and a typical home value of $247,096, down 1.6% 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.
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Demographics
Race & ethnicity
- White
- 97.6%
- Black
- 0.0%
- Asian
- 0.3%
- Hispanic / Latino
- 1.3%
- Other / multi-racial
- 1.8%
Income & housing
- Median household income
- $65,714
- Median home value
- $225,600
Education
- Bachelor's degree or higher (age 25+)
- 16.9%
Employment
- Unemployment rate
- 0.4%
Housing
- Owner-occupied
- 1,362(90.1%)
- Renter-occupied
- 150(9.9%)
- Vacant units
- 828
- Built (median)
- 1991
Commute
- Public transit
- 0(0.0%)
- Work from home
- 219(13.9%)
- Avg commute
- 25.5 min
Economic wellbeing
- Below poverty line
- 269(6.8%)
- Uninsured
- 336(8.5%)
Digital access
- Broadband access
- 1,289(85.3%)
- No broadband
- 223(14.7%)
Language & nativity
- Foreign-born
- 11(0.3%)
- Non-English at home
- 42(1.2%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$620
/month
1 Bed
$760
/month
2 Bed
$870
/month
3 Bed
$1,170
/month
4 Bed
$1,270
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$247,096
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-1.6%
vs. March 2025
5-year change
+39.1%
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
121
Across 106 permitted buildings. Total construction value: $44.0M.
Single-family
98
81% of total units
Multifamily (2+ unit)
23
19% of total units
Single-family value
$41.1M
construction value
Multifamily value
$2.8M
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
1,500
Average AGI
$83,564
Avg property tax
$232
EITC participation
10.7%
Income distribution
- $1 – $25,00026.7% · 400
- $25,000 – $50,00020.7% · 310
- $50,000 – $75,00015.3% · 230
- $75,000 – $100,00012.7% · 190
- $100,000 – $200,00019.3% · 290
- $200,000 or more5.3% · 80
Avg mortgage interest
$373
Avg charitable contribution
$628
Avg capital gains
$7,757
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 $125.3M across all reported brackets.
Business & employment
Business establishments
26
Total employment
178
Annual payroll
$6.7M
Average annual pay
$37,843
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
$62,678
Average weekly wage
$1,205
Total employment
11,710
Total establishments
1,051
That is roughly 4% 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
5.4%
That is 1.4 percentage points above the US national unemployment rate of about 4.0%.
Labor force
13,745
Employed
12,998
Unemployed
747
Based on Marshall 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
29
Date Range
1975–2026
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 (52%)
- Flood3 (10%)
- Snowstorm3 (10%)
- Tornado2 (7%)
- Biological2 (7%)
- Other4 (14%)
Individual Assistance
4
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
28
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
57.1°F
47.1° – 67.1°
Annual precipitation
49.3"
Annual snowfall
3.8"
Heating · cooling days
4,296.6 · 1,465
Annual base 65°F
Nearest station: SMITHLAND L&D, IL US, 17 miles from the centroid of Calvert City, KY (ZIP 42044)
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)
9,527
That is roughly 1,327 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
20%
of adults self-report
Poor physical health days
4.6
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
6.2%
of residents under 65
Primary care MDs
41
per 100,000 residents
Preventable hospital stays
2,792
per 100K Medicare enrollees
Food environment (0-10)
8.1
10 = best access & security
Exercise access
59%
residents near a facility
Flu vaccinated
48%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Marshall 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
9.2% of Marshall County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.19
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.07
accepting food benefits
Fast-food restaurants
0.67
per 1,000 residents
Among low-income residents, 2.9% 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 Marshall 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 · 22 reports
Property crime rate
—
per 100K residents · 116 reports
Homicide
1
Robbery
0
Burglary
39
Vehicle theft
10
County-level data for Marshall (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)
▲+302 people
+88 households • +$3.3M net AGI flow
Moved in
1,103households
2,008 people • $57.0M AGI
Moved out
1,015households
1,706 people • $53.8M AGI
Where new residents came from
- McCracken County, KY — 155 households
- Calloway County, KY — 119 households
- Graves County, KY — 82 households
- Livingston County, KY — 33 households
Where departing residents went
- McCracken County, KY — 166 households
- Calloway County, KY — 117 households
- Graves County, KY — 54 households
- Livingston County, KY — 37 households
Incoming households reported an average AGI of $51,717 versus departing households' $52,965.
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 42044. 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 42044: Applied to this ZIP's typical home value of $247,096, that works out to roughly $1,830/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 42044
Other ZIPs in Calvert City
Nearby ZIPs by distance
42029 (Calvert City, 7.7 mi) · 42025 (Benton, 7.8 mi) · 42045 (Grand Rivers, 8.1 mi) · 42055 (Kuttawa, 9.5 mi) · 42082 (Symsonia, 13.1 mi) · 42058 (Ledbetter, 13.2 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
19.8%
No national benchmark available.
Short Sleep Duration
36.7%
No national benchmark available.
Colorectal Cancer Screening
70.5%
No national benchmark available.
Dental Visit
59.7%
No national benchmark available.
Mammography
73.2%
No national benchmark available.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$7,314
Median earnings (10 yr)
$39,814
- 4-Year
Murray State University
Murray, KY · 42071
- In-state tuition
- $9,900
- Out-of-state tuition
- $19,836
- Acceptance rate
- 85.7%
- Graduation rate
- 60.4%
- Median earnings (10 yr)
- $44,737
- Median student debt
- $20,500
- 2-Year
West Kentucky Community and Technical College
Paducah, KY · 42001
- In-state tuition
- $4,728
- Out-of-state tuition
- $6,432
- Acceptance rate
- —
- Graduation rate
- 49.3%
- Median earnings (10 yr)
- $34,891
- Median student debt
- $8,986
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
Calvert City, KY (ZIP 42044) sits in Marshall 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. 2 colleges and universities serve the area, with median in-state tuition of $7,314. IRS data shows average household income (AGI) of $83,564, well above the ~$45K national average per return. The CDC SVI flags household composition (71th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 31th-percentile score. FEMA has issued 29 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. IRS migration data (2022-2023) shows a net gain of 302 residents (88 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 $65,714, fair market rent of $870 for a two-bedroom, and a typical home value of $247,096, down 1.6% 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 42044
What is the population of ZIP 42044?
3,953 people live in ZIP 42044, with a median age of 38.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 42044?
$65,714 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 42044 mostly renters or homeowners?
In ZIP 42044, 90.1% of occupied housing units are owner-occupied and 9.9% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 42044?
In ZIP 42044, 13.9% 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 42044?
6.8% of the population in ZIP 42044 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 42044 have broadband internet?
85.3% of households in ZIP 42044 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 42044?
The typical home value in ZIP 42044 is $247,096, down 1.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 42044?
Home values are down 1.6% over the past year and up 39.1% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 42044?
The average Adjusted Gross Income reported on tax returns from ZIP 42044 (Calvert City, KY) is $83,564 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 42044?
Tax returns from ZIP 42044 report an average of $232 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 42044 earn over $200,000?
5.3% of tax returns from ZIP 42044 (Calvert City, 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 42044?
As of 2022, 26 business establishments operated in ZIP 42044 employing 178 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 42044?
The average annual pay across all local establishments in ZIP 42044 is $37,843, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 42044 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 42044 ranks in the 31th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 42044?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 42044, ranking in the 71th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 42044 experienced?
FEMA has recorded 29 federal disaster declarations affecting ZIP 42044 between 1975–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 42044?
Severe Storm is the most common federally declared disaster type affecting ZIP 42044, accounting for 15 of 29 declarations (52%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 42044?
The most recent FEMA disaster declaration affecting ZIP 42044 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 42044?
2 colleges and universities are listed near ZIP 42044 by the U.S. Department of Education College Scorecard, including Murray State University and West Kentucky Community And Technical College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 42044?
Median in-state tuition across 2 nearby institutions is $7,314 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 42044?
Graduates of nearby colleges earn a median of $39,814 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 42044?
ZIP 42044 has an average annual temperature of 57.1°F and 49.3" of annual precipitation based on the SMITHLAND L&D, IL US weather station 17.0 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 42044?
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 42044?
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, colleges from the U.S. Department of Education College Scorecard (2 institutions), 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 (29 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. 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). 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 (29 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 42044
Other ZIPs in Calvert City
Nearby ZIPs by distance
42029 (Calvert City, 7.7 mi) · 42025 (Benton, 7.8 mi) · 42045 (Grand Rivers, 8.1 mi) · 42055 (Kuttawa, 9.5 mi) · 42082 (Symsonia, 13.1 mi) · 42058 (Ledbetter, 13.2 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 42044?
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
31st percentile
Moderate Vulnerability
Based on 3 census tracts, population 2,810
Vulnerability Themes
Households Without Vehicle
20
Limited English Speakers
10
Persons with Disability
385
Without HS Diploma
141
Without Health Insurance
303
Adults Age 65+
627
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.