Population & age
- Total population
- 6,131
- Median age
- 38.9
Todd County · Population 6,131
Elkton, KY (ZIP 42220) sits in Todd County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 4 schools serving the area, 4 non-charter. 2 colleges and universities serve the area, with median in-state tuition of $4,728. 21% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $47,765 per worker, roughly 27% below the US average. FEMA has issued 31 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. Annual precipitation averages 51.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,430 years of potential life lost per 100,000 (2025) — well above the national county median. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 7.4% of residents are low-access and grocery density is above the national county median. IRS migration data (2022-2023) shows a net gain of 89 residents (59 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 $56,374, fair market rent of $1,110 for a two-bedroom, and a typical home value of $213,463, down 3.2% 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.
Studio
$830
/month
1 Bed
$880
/month
2 Bed
$1,110
/month
3 Bed
$1,550
/month
4 Bed
$1,860
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$213,463
Zillow Home Value Index (ZHVI) · as of March 2026
-3.2%
vs. March 2025
+48.1%
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 units permitted
222
Across 155 permitted buildings. Total construction value: $21.8M.
Single-family
136
61% of total units
Multifamily (2+ unit)
86
39% of total units
Single-family value
$17.3M
construction value
Multifamily value
$4.5M
construction value
Aggregated from 3 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.
Tax returns filed
2,690
Average AGI
$59,262
Avg property tax
$58
EITC participation
21.2%
Income distribution
Avg mortgage interest
$162
Avg charitable contribution
$580
Avg capital gains
$1,920
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 $159.4M across all reported brackets.
Business establishments
126
Total employment
1,048
Annual payroll
$42.7M
Average annual pay
$40,764
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.
Average annual pay
$47,765
Average weekly wage
$919
Total employment
2,812
Total establishments
323
That is roughly 27% 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 rate
4.7%
That is 0.7 percentage points above the US national unemployment rate of about 4.0%.
Labor force
6,102
Employed
5,815
Unemployed
287
Based on Todd 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.
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$246.4M
across all branches in this ZIP
Distinct institutions
3
different banks operating here
Top banks by deposits in this ZIP
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.
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
0
federally qualified
Look-Alike sites
1
FQHC equivalents
Avg hours / week
40
across sites in this ZIP
Sites in this ZIP
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Clarksville, TN--KY
Reporting agencies
1
Largest: City of Clarksville
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public-library outlets
2
Multiple library outlets
Several public-library outlets within the ZIP, giving residents real choice in branch hours, programming, and walk-in distance.
Buildings
1
1 central
Avg hours / week
31
across outlets in this ZIP
Avg square feet
3,276
per outlet
Outlets in this ZIP
+ 1 more outlet in this ZIP
Includes 1 bookmobile — service location varies; check the system's schedule.
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.
Federally Declared Disasters
31
Date Range
1969–2026
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
Individual Assistance
8
Direct help to disaster survivors
Households Program
7
Housing & temporary lodging support
Public Assistance
27
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.
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
58.3°F
48.7° – 67.9°
Annual precipitation
51.8"
Annual snowfall
5.2"
Heating · cooling days
4,025.6 · 1,610.4
Annual base 65°F
Nearest station: HOPKINSVILLE, KY US, 18.7 miles from the centroid of Elkton, KY (ZIP 42220)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Years of potential life lost (per 100K)
11,430
That is roughly 3,230 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
27%
of adults self-report
Poor physical health days
5.3
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
12.7%
of residents under 65
Primary care MDs
16
per 100,000 residents
Preventable hospital stays
2,648
per 100K Medicare enrollees
Food environment (0-10)
7.6
10 = best access & security
Exercise access
34%
residents near a facility
Flu vaccinated
33%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 6.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Todd 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 status
Good food access — most residents near a store
7.4% of Todd County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.32
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.90
accepting food benefits
Fast-food restaurants
0.40
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Todd 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).
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 · 13 reports
Property crime rate
—
per 100K residents · 129 reports
Homicide
0
Robbery
3
Burglary
40
Vehicle theft
17
County-level data for Christian (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.
Net migration (2022-2023)
▲+89 people
+59 households • +$4.4M net AGI flow
Moved in
394households
792 people • $18.5M AGI
Moved out
335households
703 people • $14.1M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $46,858 versus departing households' $42,087.
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.
State-level rules that apply to every resident of ZIP 42220. Numbers reflect the most recent published year per source.
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 42220: Applied to this ZIP's typical home value of $213,463, that works out to roughly $1,581/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
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).
Nearby ZIPs by distance
42280 (6 mi) · 42234 (Guthrie, 12.8 mi) · 42286 (Trenton, 13.2 mi) · 42266 (Pembroke, 14.6 mi) · 42256 (Lewisburg, 15.1 mi) · 42240 (Hopkinsville, 15.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
26.8%
No national benchmark available.
41.7%
No national benchmark available.
63.2%
No national benchmark available.
54.3%
No national benchmark available.
72.0%
No national benchmark available.
4 schools serve this ZIP, including 4 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Todd County Central High School | Public | 9–12 | 597 |
| Todd County Middle School | Public | 6–8 | 437 |
| North Todd Elementary School | Public | -1–5 | 404 |
| Horizons High School | Alternative | 7–12 | 15 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges in this area
2
Median in-state tuition
$4,728
Median earnings (10 yr)
$33,111
Hopkinsville, KY · 42240
Hopkinsville, KY · 42240
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.
Elkton, KY (ZIP 42220) sits in Todd County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 4 schools serving the area, 4 non-charter. 2 colleges and universities serve the area, with median in-state tuition of $4,728. 21% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. BLS QCEW reports average annual pay of $47,765 per worker, roughly 27% below the US average. FEMA has issued 31 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. Annual precipitation averages 51.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,430 years of potential life lost per 100,000 (2025) — well above the national county median. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 7.4% of residents are low-access and grocery density is above the national county median. IRS migration data (2022-2023) shows a net gain of 89 residents (59 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 $56,374, fair market rent of $1,110 for a two-bedroom, and a typical home value of $213,463, down 3.2% 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.
4 schools serve this ZIP, including 4 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 42220 by NCES CCD (retrieved Apr 27, 2026).
Yes, 2 high schools serve this ZIP: Todd County Central High School, Horizons High School. (NCES CCD, retrieved Apr 27, 2026).
6,131 people live in ZIP 42220, with a median age of 38.9 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$56,374 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 42220, 78.9% of occupied housing units are owner-occupied and 21.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 42220, 5.1% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
13.1% of the population in ZIP 42220 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
69.4% of households in ZIP 42220 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 42220 is $213,463, down 3.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 3.2% over the past year and up 48.1% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 42220 (Elkton, KY) is $59,262 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 42220 report an average of $58 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
3.3% of tax returns from ZIP 42220 (Elkton, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 126 business establishments operated in ZIP 42220 employing 1,048 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 42220 is $40,764, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 42220 ranks in the 66th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 42220, ranking in the 72th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 31 federal disaster declarations affecting ZIP 42220 between 1969–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 42220, accounting for 15 of 31 declarations (48%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 42220 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
2 colleges and universities are listed near ZIP 42220 by the U.S. Department of Education College Scorecard, including Hopkinsville Community College and Ross College-Hopkinsville (retrieved May 2, 2026).
Median in-state tuition across 2 nearby institutions is $4,728 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $33,111 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 42220 has an average annual temperature of 58.3°F and 51.8" of annual precipitation based on the HOPKINSVILLE, KY US weather station 18.7 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 42220 is part of the Clarksville, TN--KY urbanized area, primarily served by City of Clarksville (National Transit Database 2024, retrieved May 4, 2026).
Kentucky has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Kentucky runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (4 schools), 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 (31 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
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. 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 (31 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). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
42280 (6 mi) · 42234 (Guthrie, 12.8 mi) · 42286 (Trenton, 13.2 mi) · 42266 (Pembroke, 14.6 mi) · 42256 (Lewisburg, 15.1 mi) · 42240 (Hopkinsville, 15.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 42220?
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
66th percentile
High Vulnerability
Based on 5 census tracts, population 5,888
Vulnerability Themes
Households Without Vehicle
152
Limited English Speakers
96
Persons with Disability
928
Without HS Diploma
790
Without Health Insurance
1,203
Adults Age 65+
1,005
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.