Population & age
- Total population
- 41,608
- Median age
- 39.8
Owensboro, KY (42303)
Daviess County · Owensboro, KY · Population 41,608
Fresh.Data current as of Apr 24, 2026
Owensboro, KY (ZIP 42303) sits in Daviess County within the Owensboro metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 12 schools serving the area, 12 non-charter. 4 colleges and universities serve the area, with median in-state tuition of $31,550. IRS data shows average household income (AGI) of $71,161, well above the ~$45K national average per return. Severe Storm accounts for 53% of the 19 FEMA disaster declarations on record for this ZIP. 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. New residents arriving here predominantly come from Ohio County, KY (IRS SOI Migration, 2022-2023). Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $61,777, fair market rent of $1,180 for a two-bedroom, and a typical home value of $215,583, up 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.
Demographics
Race & ethnicity
- White
- 88.1%
- Black
- 3.9%
- Asian
- 2.1%
- Hispanic / Latino
- 4.7%
- Other / multi-racial
- 5.0%
Income & housing
- Median household income
- $61,777
- Median home value
- $165,600
Education
- Bachelor's degree or higher (age 25+)
- 23.4%
Employment
- Unemployment rate
- 4.0%
Housing
- Owner-occupied
- 10,948(65.8%)
- Renter-occupied
- 5,697(34.2%)
- Vacant units
- 1,353
- Built (median)
- 1978
Commute
- Public transit
- 65(0.4%)
- Work from home
- 839(4.6%)
- Avg commute
- 18.8 min
Economic wellbeing
- Below poverty line
- 6,219(15.5%)
- Uninsured
- 529(1.3%)
Digital access
- Broadband access
- 14,976(90.0%)
- No broadband
- 1,669(10.0%)
Language & nativity
- Foreign-born
- 1,437(3.5%)
- Non-English at home
- 2,325(5.9%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$890
/month
1 Bed
$900
/month
2 Bed
$1,180
/month
3 Bed
$1,560
/month
4 Bed
$1,560
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$215,583
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+3.2%
vs. March 2025
5-year change
+35.0%
vs. March 2021
Metro area
Owensboro, 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
226
Across 209 permitted buildings. Total construction value: $18.7M.
Single-family
198
88% of total units
Multifamily (2+ unit)
28
12% of total units
Single-family value
$17.1M
construction value
Multifamily value
$1.6M
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
18,380
Average AGI
$71,161
Avg property tax
$186
EITC participation
16.9%
Income distribution
- $1 – $25,00031.0% · 5,700
- $25,000 – $50,00024.9% · 4,580
- $50,000 – $75,00014.7% · 2,710
- $75,000 – $100,0009.3% · 1,710
- $100,000 – $200,00015.0% · 2,750
- $200,000 or more5.1% · 930
Avg mortgage interest
$315
Avg charitable contribution
$818
Avg capital gains
$2,051
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 $1307.9M across all reported brackets.
Business & employment
Business establishments
1,128
Total employment
19,644
Annual payroll
$957.4M
Average annual pay
$48,735
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
$53,566
Average weekly wage
$1,030
Total employment
47,217
Total establishments
3,566
That is roughly 18% 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
5.0%
That is 1.0 percentage points above the US national unemployment rate of about 4.0%.
Labor force
48,293
Employed
45,893
Unemployed
2,400
Based on Daviess 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
12
Strong banking access
Multiple institutions and offices within easy reach of residents.
Total deposits
$1.1B
across all branches in this ZIP
Distinct institutions
9
different banks operating here
Top banks by deposits in this ZIP
- 1.U.S. Bank National Association$380.8M · 2 branches
- 2.Truist Bank$253.0M · 2 branches
- 3.Old National Bank$148.7M · 2 branches
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.
Community health centers
Federally funded health-center sites
3
Multiple health-center sites
A handful of federally funded community health centers serve residents — typical of mid-density suburban and small-urban areas.
FQHC sites
3
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
40
across sites in this ZIP
Sites in this ZIP
- 1.Audubon Area Community Care Clinic - Estes Elementary School
- 2.Regional Health Care Affiliates, Inc. dba. Health First Community Health Center- Neel Clinic
- 3.Audubon Area Community Care Clinic - Newton Parrish Elementary School
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.
Alternative-fuel stations
Public EV charging stations
2
Limited EV charging
A small number of public charging stations — viable for EV ownership with home charging, but minimal redundancy.
Level 2 ports
0
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- ChargePoint Network
Other
1
Biodiesel, E85, LNG, RD
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Social Vulnerability Index
Overall SVI
48th percentile
Moderate Vulnerability
Based on 14 census tracts, population 39,535
Vulnerability Themes
- Socioeconomic Status42nd percentile
- Household Characteristics58th percentile
- Racial & Ethnic Minority Status22nd percentile
- Housing Type & Transportation57th percentile
Households Without Vehicle
1,196
Limited English Speakers
535
Persons with Disability
6,411
Without HS Diploma
2,693
Without Health Insurance
1,971
Adults Age 65+
7,667
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.
Federal Disaster Declarations
Federally Declared Disasters
19
Date Range
1996–2026
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 Storm10 (53%)
- Biological2 (11%)
- Severe Ice Storm2 (11%)
- Winter Storm1 (5%)
- Flood1 (5%)
- Other3 (16%)
Individual Assistance
3
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
19
Repair of public facilities & roads
Hazard Mitigation
10
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.
Air quality
Median daily AQI
37
GoodGood 31dModerate 9d
Peak AQI (2024)
62
Moderate
Primary pollutant
PM2.5
40 days as main pollutant
Days measured
40
Based on Daviess County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
9,962
That is roughly 1,762 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
4.5
avg per adult per month
Poor mental health days
5.3
avg per adult per month
Uninsured
6.2%
of residents under 65
Primary care MDs
55
per 100,000 residents
Preventable hospital stays
2,852
per 100K Medicare enrollees
Food environment (0-10)
7.7
10 = best access & security
Exercise access
87%
residents near a facility
Flu vaccinated
54%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.8% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Daviess 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
18.9% of Daviess County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.14
per 1,000 residents
Supercenters & clubs
0.05
per 1,000 residents
SNAP-authorized stores
1.00
accepting food benefits
Fast-food restaurants
0.73
per 1,000 residents
Among low-income residents, 5.6% 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 Daviess 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).
Who’s moving in and out
Net migration (2022-2023)
▲+183 people
−48 households • −$11.4M net AGI flow
Moved in
2,370households
4,262 people • $135.5M AGI
Moved out
2,418households
4,079 people • $147.0M AGI
Where new residents came from
- Ohio County, KY — 142 households
- Hancock County, KY — 105 households
- McLean County, KY — 86 households
- Vanderburgh County, IN — 78 households
- Jefferson County, KY — 69 households
Where departing residents went
- Ohio County, KY — 151 households
- Jefferson County, KY — 100 households
- Vanderburgh County, IN — 93 households
- McLean County, KY — 87 households
- Hancock County, KY — 86 households
Incoming households reported an average AGI of $57,181 versus departing households' $60,779.
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.
Data sources used on this page
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
17.4%
No national benchmark available.
Short Sleep Duration
37.5%
No national benchmark available.
Colorectal Cancer Screening
67.8%
No national benchmark available.
Dental Visit
60.8%
No national benchmark available.
Mammography
76.7%
No national benchmark available.
Schools in this ZIP
12 schools serve this ZIP, including 12 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Daviess County High School | Public | 9–12 | 1,772 |
| Daviess County Middle School | Public | 6–8 | 861 |
| College View Middle School | Public | 6–8 | 836 |
| Deer Park Elementary School | Public | -1–5 | 497 |
| Newton Parrish Elementary School | Public | 0–5 | 493 |
Showing top 5 by enrollment. 7 more schools serve this ZIP.
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 & universities nearby
Colleges in this area
4
Median in-state tuition
$31,550
Median earnings (10 yr)
$40,649
- 2-Year
Owensboro Community and Technical College
Owensboro, KY · 42303
- In-state tuition
- $4,728
- Out-of-state tuition
- $6,432
- Acceptance rate
- —
- Graduation rate
- 51.7%
- Median earnings (10 yr)
- $35,798
- Median student debt
- $7,933
- Certificate
Ross Medical Education Center-Owensboro
Owensboro, KY · 42303
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 61.1%
- Median earnings (10 yr)
- $30,481
- Median student debt
- $9,500
- 4-Year
Kentucky Wesleyan College
Owensboro, KY · 42301
- In-state tuition
- $34,673
- Out-of-state tuition
- $34,673
- Acceptance rate
- 71.6%
- Graduation rate
- 49.3%
- Median earnings (10 yr)
- $46,747
- Median student debt
- $23,250
- 4-Year
Brescia University
Owensboro, KY · 42301
- In-state tuition
- $31,550
- Out-of-state tuition
- $31,550
- Acceptance rate
- 35.2%
- Graduation rate
- 51.0%
- Median earnings (10 yr)
- $45,500
- Median student debt
- $29,430
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
Owensboro, KY (ZIP 42303) sits in Daviess County within the Owensboro metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 12 schools serving the area, 12 non-charter. 4 colleges and universities serve the area, with median in-state tuition of $31,550. IRS data shows average household income (AGI) of $71,161, well above the ~$45K national average per return. Severe Storm accounts for 53% of the 19 FEMA disaster declarations on record for this ZIP. 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. New residents arriving here predominantly come from Ohio County, KY (IRS SOI Migration, 2022-2023). Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $61,777, fair market rent of $1,180 for a two-bedroom, and a typical home value of $215,583, up 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.
These readings invert. Education density is the headline; healthcare access numbers suggest provider choice and coverage are worth shopping carefully. The two domains don’t move together at the ZIP level — both deserve their own due diligence rather than a single judgment.
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 42303
How many schools are in ZIP 42303?
12 schools serve this ZIP, including 12 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 42303 have charter schools?
No charter schools are listed in ZIP 42303 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 42303?
Yes, 2 high schools serve this ZIP: Daviess County High School, Owensboro Day Treatment. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 42303?
41,608 people live in ZIP 42303, with a median age of 39.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 42303?
$61,777 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 42303 mostly renters or homeowners?
In ZIP 42303, 65.8% of occupied housing units are owner-occupied and 34.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 42303?
In ZIP 42303, 4.6% of workers work from home. Public transit is used by 0.4% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 42303?
15.5% of the population in ZIP 42303 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 42303 have broadband internet?
90.0% of households in ZIP 42303 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 42303?
The typical home value in ZIP 42303 is $215,583, up 3.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 42303?
Home values are up 3.2% over the past year and up 35.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 42303?
The average Adjusted Gross Income reported on tax returns from ZIP 42303 (Owensboro, KY) is $71,161 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 42303?
Tax returns from ZIP 42303 report an average of $186 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 42303 earn over $200,000?
5.1% of tax returns from ZIP 42303 (Owensboro, 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 42303?
As of 2022, 1,128 business establishments operated in ZIP 42303 employing 19,644 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 42303?
The average annual pay across all local establishments in ZIP 42303 is $48,735, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 42303 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 42303 ranks in the 48th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 42303?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 42303, ranking in the 58th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 42303 experienced?
FEMA has recorded 19 federal disaster declarations affecting ZIP 42303 between 1996–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 42303?
Severe Storm is the most common federally declared disaster type affecting ZIP 42303, accounting for 10 of 19 declarations (53%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 42303?
The most recent FEMA disaster declaration affecting ZIP 42303 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 42303?
4 colleges and universities are listed near ZIP 42303 by the U.S. Department of Education College Scorecard, including Owensboro Community And Technical College, Ross Medical Education Center-Owensboro, and Kentucky Wesleyan College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 42303?
Median in-state tuition across 4 nearby institutions is $31,550 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 42303?
Graduates of nearby colleges earn a median of $40,649 ten years after entry (College Scorecard, retrieved May 2, 2026).
What data is available for ZIP 42303?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (12 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 (4 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), and federal disaster declarations from FEMA OpenFEMA (19 on record). 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. 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 (19 on record).
More Info topics
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Have a specific question about ZIP 42303?
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.