Population & age
- Total population
- 231
- Median age
- 79.6
St. Joseph, KY (42356)
Daviess County · Owensboro, KY · Population 231
Fresh.Data current as of Apr 24, 2026
St. Joseph, KY (ZIP 42356) sits in Daviess County within the Owensboro metro area. 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. 4 colleges and universities serve the area, with median in-state tuition of $31,550. The CDC SVI flags household composition (72th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 29th-percentile score. 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). 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 $1,170 for a two-bedroom and a 75.8% poverty rate (well above the ~12% US average). 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
- 92.6%
- Black
- 0.0%
- Asian
- 7.4%
- Hispanic / Latino
- 0.0%
Education
- Bachelor's degree or higher (age 25+)
- 92.6%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 0
- Renter-occupied
- 0
- Vacant units
- 0
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
Economic wellbeing
- Below poverty line
- 175(75.8%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 0
Language & nativity
- Foreign-born
- 17(7.4%)
- Non-English at home
- 29(12.6%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$890
/month
1 Bed
$890
/month
2 Bed
$1,170
/month
3 Bed
$1,550
/month
4 Bed
$1,550
/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
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.
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.
Public transit
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
Owensboro, KY
Reporting agencies
1
Largest: City of Owensboro
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.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.
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
57.2°F
47.4° – 67°
Annual precipitation
45.6"
Annual snowfall
4.3"
Heating · cooling days
4,230.7 · 1,416.4
Annual base 65°F
Nearest station: CALHOUN LOCK 2, KY US, 11.6 miles from the centroid of St. Joseph, KY (ZIP 42356)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). 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).
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 · 276 reports
Homicide
0
Robbery
1
Burglary
51
Vehicle theft
32
County-level data for Daviess (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)
▲+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.
Taxes & benefits in Kentucky
State-level rules that apply to every resident of ZIP 42356. 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
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 42356
Nearby ZIPs by distance
42301 (Owensboro, 5 mi) · 42322 (Beech Grove, 6.1 mi) · 42327 (Beech Grove, 7.9 mi) · 42452 (Robards, 11.9 mi) · 42458 (Spottsville, 12.5 mi) · 42371 (12.8 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
22.1%
No national benchmark available.
Short Sleep Duration
29.7%
No national benchmark available.
Colorectal Cancer Screening
75.0%
No national benchmark available.
Dental Visit
69.0%
No national benchmark available.
Mammography
79.9%
No national benchmark available.
Colleges & 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
- 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
- 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
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
St. Joseph, KY (ZIP 42356) sits in Daviess County within the Owensboro metro area. 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. 4 colleges and universities serve the area, with median in-state tuition of $31,550. The CDC SVI flags household composition (72th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 29th-percentile score. 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). 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 $1,170 for a two-bedroom and a 75.8% poverty rate (well above the ~12% US average). 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 42356
What is the population of ZIP 42356?
231 people live in ZIP 42356, with a median age of 79.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 42356?
In ZIP 42356, 0.0% 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 42356?
75.8% of the population in ZIP 42356 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How vulnerable is ZIP 42356 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 42356 ranks in the 29th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 42356?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 42356, ranking in the 72th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 42356 experienced?
FEMA has recorded 19 federal disaster declarations affecting ZIP 42356 between 1996–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 42356?
Severe Storm is the most common federally declared disaster type affecting ZIP 42356, accounting for 10 of 19 declarations (53%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 42356?
The most recent FEMA disaster declaration affecting ZIP 42356 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 42356?
4 colleges and universities are listed near ZIP 42356 by the U.S. Department of Education College Scorecard, including Owensboro Community And Technical College, Kentucky Wesleyan College, and Brescia University (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 42356?
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 42356?
Graduates of nearby colleges earn a median of $40,649 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 42356?
ZIP 42356 has an average annual temperature of 57.2°F and 45.6" of annual precipitation based on the CALHOUN LOCK 2, KY US weather station 11.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 42356 have public transit?
Yes — ZIP 42356 is part of the Owensboro, KY urbanized area, primarily served by City of Owensboro (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 42356?
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 42356?
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 (4 institutions), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (19 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.
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. 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). 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.
Other ZIPs near 42356
Nearby ZIPs by distance
42301 (Owensboro, 5 mi) · 42322 (Beech Grove, 6.1 mi) · 42327 (Beech Grove, 7.9 mi) · 42452 (Robards, 11.9 mi) · 42458 (Spottsville, 12.5 mi) · 42371 (12.8 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 42356?
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
29th percentile
Moderate Vulnerability
Based on 1 census tract, population 4
Vulnerability Themes
Persons with Disability
1
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.