Population & age
- Total population
- 527
- Median age
- 42.4
St. Charles, KY (42453)
Hopkins County · Population 527
Fresh.Data current as of Apr 24, 2026
St. Charles, KY (ZIP 42453) sits in Hopkins 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 $4,728. 29% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. Annual precipitation averages 50.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,560 years of potential life lost per 100,000 (2025) — well above the national county median. 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 Webster 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: median household income $51,392, fair market rent of $1,110 for a two-bedroom, and a typical home value of $108,061, down 5.5% 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
- 99.1%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.6%
- Other / multi-racial
- 0.4%
Income & housing
- Median household income
- $51,392
- Median home value
- $80,800
Education
- Bachelor's degree or higher (age 25+)
- 9.9%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 160(78.0%)
- Renter-occupied
- 45(22.0%)
- Vacant units
- 6
- Built (median)
- 1971
Commute
- Public transit
- 0(0.0%)
- Work from home
- 4(2.6%)
- Avg commute
- 28.3 min
Economic wellbeing
- Below poverty line
- 131(24.9%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 169(82.4%)
- No broadband
- 36(17.6%)
Language & nativity
- Foreign-born
- 1(0.2%)
- Non-English at home
- 2(0.4%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$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.
Home values
Typical home value
$108,061
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-5.5%
vs. March 2025
5-year change
+27.3%
vs. March 2021
Metro area
Madisonville, 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
308
Across 240 permitted buildings. Total construction value: $36.6M.
Single-family
220
71% of total units
Multifamily (2+ unit)
88
29% of total units
Single-family value
$32.4M
construction value
Multifamily value
$4.2M
construction value
Aggregated from 2 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.
Income & tax statistics
Tax returns filed
210
Average AGI
$45,024
Avg property tax
—
EITC participation
28.6%
Income distribution
- $1 – $25,00038.1% · 80
- $25,000 – $50,00028.6% · 60
- $50,000 – $75,00014.3% · 30
- $75,000 – $100,00019.0% · 40
- $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 $9.5M across all reported brackets.
Business & employment
Business establishments
7
Total employment
23
Annual payroll
$948K
Average annual pay
$41,217
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
$54,831
Average weekly wage
$1,054
Total employment
17,505
Total establishments
1,209
That is roughly 16% 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
5.6%
That is 1.6 percentage points above the US national unemployment rate of about 4.0%.
Labor force
19,507
Employed
18,408
Unemployed
1,099
Based on Hopkins 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
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.
Federal Disaster Declarations
Federally Declared Disasters
35
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
- Severe Storm19 (54%)
- Tornado4 (11%)
- Snowstorm3 (9%)
- Flood3 (9%)
- Biological2 (6%)
- Other4 (11%)
Individual Assistance
11
Direct help to disaster survivors
Households Program
9
Housing & temporary lodging support
Public Assistance
29
Repair of public facilities & roads
Hazard Mitigation
18
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
58.6°F
47.4° – 69.8°
Annual precipitation
50.9"
Annual snowfall
8.5"
Heating · cooling days
3,853.4 · 1,550.6
Annual base 65°F
Nearest station: PRINCETON 1 SE, KY US, 15.4 miles from the centroid of St. Charles, KY (ZIP 42453)
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)
11,560
That is roughly 3,360 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
24%
of adults self-report
Poor physical health days
4.8
avg per adult per month
Poor mental health days
5.0
avg per adult per month
Uninsured
6.8%
of residents under 65
Primary care MDs
100
per 100,000 residents
Preventable hospital stays
3,379
per 100K Medicare enrollees
Food environment (0-10)
6.7
10 = best access & security
Exercise access
62%
residents near a facility
Flu vaccinated
45%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Hopkins 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
19.4% of Hopkins County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.13
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.24
accepting food benefits
Fast-food restaurants
0.65
per 1,000 residents
Among low-income residents, 7.3% 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 Hopkins 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 · 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.
Who’s moving in and out
Net migration (2022-2023)
▲+5 people
−10 households • −$8.4M net AGI flow
Moved in
1,175households
2,206 people • $54.1M AGI
Moved out
1,185households
2,201 people • $62.4M AGI
Where new residents came from
- Webster County, KY — 110 households
- Christian County, KY — 55 households
- Muhlenberg County, KY — 44 households
- Caldwell County, KY — 35 households
- Henderson County, KY — 34 households
Where departing residents went
- Webster County, KY — 86 households
- Henderson County, KY — 46 households
- Christian County, KY — 44 households
- Muhlenberg County, KY — 43 households
- Vanderburgh County, IN — 38 households
Incoming households reported an average AGI of $46,014 versus departing households' $52,685.
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 42453. 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 42453: Applied to this ZIP's typical home value of $108,061, that works out to roughly $801/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 42453
Nearby ZIPs by distance
42408 (Dawson Springs, 5.8 mi) · 42442 (Nortonville, 6 mi) · 42440 (Mortons Gap, 8.7 mi) · 42410 (Earlington, 9.3 mi) · 42217 (Crofton, 10.1 mi) · 42215 (Cerulean, 12.3 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
17.8%
No national benchmark available.
Short Sleep Duration
42.4%
No national benchmark available.
Colorectal Cancer Screening
68.6%
No national benchmark available.
Dental Visit
55.1%
No national benchmark available.
Mammography
71.9%
No national benchmark available.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$4,728
Median earnings (10 yr)
$35,724
- 2-Year
Madisonville Community College
Madisonville, KY · 42431
- In-state tuition
- $4,728
- Out-of-state tuition
- $6,432
- Acceptance rate
- —
- Graduation rate
- 51.7%
- Median earnings (10 yr)
- $35,733
- Median student debt
- $8,450
- 2-Year
Henderson Community College
Henderson, KY · 42420
- In-state tuition
- $4,728
- Out-of-state tuition
- $6,432
- Acceptance rate
- —
- Graduation rate
- 40.5%
- Median earnings (10 yr)
- $35,714
- Median student debt
- $10,483
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. Charles, KY (ZIP 42453) sits in Hopkins 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 $4,728. 29% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. Annual precipitation averages 50.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,560 years of potential life lost per 100,000 (2025) — well above the national county median. 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 Webster 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: median household income $51,392, fair market rent of $1,110 for a two-bedroom, and a typical home value of $108,061, down 5.5% 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 42453
What is the population of ZIP 42453?
527 people live in ZIP 42453, with a median age of 42.4 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 42453?
$51,392 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 42453 mostly renters or homeowners?
In ZIP 42453, 78.0% of occupied housing units are owner-occupied and 22.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 42453?
In ZIP 42453, 2.6% 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 42453?
24.9% of the population in ZIP 42453 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 42453 have broadband internet?
82.4% of households in ZIP 42453 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 42453?
The typical home value in ZIP 42453 is $108,061, down 5.5% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 42453?
Home values are down 5.5% over the past year and up 27.3% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 42453?
The average Adjusted Gross Income reported on tax returns from ZIP 42453 (St. Charles, KY) is $45,024 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 42453?
Tax returns from ZIP 42453 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 42453 earn over $200,000?
0.0% of tax returns from ZIP 42453 (St. Charles, 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 42453?
As of 2022, 7 business establishments operated in ZIP 42453 employing 23 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 42453?
The average annual pay across all local establishments in ZIP 42453 is $41,217, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 42453 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 42453 ranks in the 52th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 42453?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 42453, ranking in the 62th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 42453 experienced?
FEMA has recorded 35 federal disaster declarations affecting ZIP 42453 between 1969–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 42453?
Severe Storm is the most common federally declared disaster type affecting ZIP 42453, accounting for 19 of 35 declarations (54%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 42453?
The most recent FEMA disaster declaration affecting ZIP 42453 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 42453?
2 colleges and universities are listed near ZIP 42453 by the U.S. Department of Education College Scorecard, including Madisonville Community College and Henderson Community College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 42453?
Median in-state tuition across 2 nearby institutions is $4,728 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 42453?
Graduates of nearby colleges earn a median of $35,724 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 42453?
ZIP 42453 has an average annual temperature of 58.6°F and 50.9" of annual precipitation based on the PRINCETON 1 SE, KY US weather station 15.4 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 42453 have public transit?
Yes — ZIP 42453 is part of the Clarksville, TN--KY urbanized area, primarily served by City of Clarksville (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 42453?
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 42453?
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 (35 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). 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 (35 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 42453
Nearby ZIPs by distance
42408 (Dawson Springs, 5.8 mi) · 42442 (Nortonville, 6 mi) · 42440 (Mortons Gap, 8.7 mi) · 42410 (Earlington, 9.3 mi) · 42217 (Crofton, 10.1 mi) · 42215 (Cerulean, 12.3 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 42453?
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
52nd percentile
High Vulnerability
Based on 3 census tracts, population 1,579
Vulnerability Themes
Households Without Vehicle
50
Limited English Speakers
1
Persons with Disability
508
Without HS Diploma
191
Without Health Insurance
52
Adults Age 65+
303
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.