40823 Zip Code (Cumberland, KY) Detailed Profile

Estimated zip code population in 2015: 4,208
Zip code population in 2010: 4,231
Zip code population in 2000: 4,483

Houses and condos: 2,138
Renter-occupied apartments: 591
Mar. 2016 cost of living index in zip code 40823: 77.9 (low, U.S. average is 100)

Land area: 58.0 sq. mi.
Water area: 0.2 sq. mi.

Population density: 73 people per square mile

(very low).

Recent home sales, real estate maps, and home value estimator for zip code 40823

Real estate property taxes paid for housing units in 2015:
Median real estate property taxes paid for housing units with mortgages in 2015: $555 (0.9%)
Median real estate property taxes paid for housing units with no mortgage in 2015: $471 (1.0%)

For population 25 years and over in 40823:

• High school or higher: 74.0%
• Bachelor's degree or higher: 11.9%
• Graduate or professional degree: 6.0%
• Unemployed: 10.1%
• Mean travel time to work (commute): 16.4 minutes

For population 15 years and over in 40823:

• Never married: 18.8%
• Now married: 57.0%
• Separated: 2.6%
• Widowed: 10.6%
• Divorced: 11.0%

Urban population: 2,619
Rural population: 1,588

Averages for the 2012 tax year for zip code 40823, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $37,623 (Individual Income Tax Returns)

Here:	$37,623
State:	$50,814

Salary/wage: $34,095 (reported on 83.2% of returns)

Here:	$34,095
State:	$42,723

(% of AGI for various income ranges: 71.8% for AGIs below $25k, 76.4% for AGIs $25k-50k, 78.5% for AGIs $50k-75k, 80.7% for AGIs $75k-100k, 70.0% for AGIs $100k-200k)

Taxable interest for individuals: $1,127 (reported on 18.5% of returns)

This zip code:	$1,127
Kentucky:	$1,381

(% of AGI for various income ranges: 1.3% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.5% for AGIs $100k-200k)

Ordinary dividends: $1,517 (reported on 5.0% of returns)

Here:	$1,517
State:	$6,239

Profit/loss from business: +$7,494 (reported on 15.1% of returns)

Here:	+$7,494
State:	+$10,862

(% of AGI for various income ranges: 12.1% for AGIs below $25k, 1.9% for AGIs $25k-50k, 2.6% for AGIs $50k-75k)

Taxable individual retirement arrangement distribution: $8,080 (reported on 4.2% of returns)

40823:	$8,080
Kentucky:	$14,296

Total itemized deductions: $19,417 (22% of AGI, reported on 10.1% of returns)

Here:	$19,417
State:	$21,160

Here:	21.7% of AGI
State:	20.0% of AGI

(% of AGI for various income ranges: 10.8% for AGIs $25k-50k, 6.8% for AGIs $75k-100k, 8.4% for AGIs $100k-200k)

Charity contributions: $4,150 (reported on 6.7% of returns)

Here:	$4,150
State:	$4,303

Taxes paid: $6,175 (reported on 10.1% of returns)

40823:	$6,175
State:	$8,496

(% of AGI for various income ranges: 1.8% for AGIs $25k-50k, 1.7% for AGIs $75k-100k, 4.3% for AGIs $100k-200k)

Earned income credit: $2,417 (reported on 34.5% of returns)

Here:	$2,417
State:	$2,273

(% of AGI for various income ranges: 11.3% for AGIs below $25k, 1.6% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 74.8%

Here:	75%
State:	60%

(% for various income ranges: 75.0% for AGIs below $25k, 72.7% for AGIs $25k-50k, 75.0% for AGIs $50k-75k, 70.0% for AGIs $75k-100k, 85.7% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 40823, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $28,889 (Individual Income Tax Returns)

Here:	$28,889
State:	$41,540

Salary/wage: $26,852 (reported on 85.4% of returns)

Here:	$26,852
State:	$36,432

(% of AGI for various income ranges: 87.6% for AGIs below $10k, 77.9% for AGIs $10k-25k, 84.7% for AGIs $25k-50k, 81.7% for AGIs $50k-75k, 84.2% for AGIs $75k-100k, 61.1% for AGIs over 100k)

Taxable interest for individuals: $3,006 (reported on 26.5% of returns)

This zip code:	$3,006
Kentucky:	$1,571

(% of AGI for various income ranges: 1.8% for AGIs below $10k, 3.3% for AGIs $10k-25k, 2.3% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 7.4% for AGIs over 100k)

Taxable dividends: $902 (reported on 7.0% of returns)

Here:	$902
State:	$3,453

(% of AGI for various income ranges: 0.2% for AGIs $10k-25k, 0.1% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.0% for AGIs $75k-100k, 0.9% for AGIs over 100k)

Net capital gain/loss: +$3,617 (reported on 5.1% of returns)

Here:	+$3,617
State:	+$9,663

(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, -0.0% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 2.4% for AGIs over 100k)

Profit/loss from business: +$3,261 (reported on 9.8% of returns)

Here:	+$3,261
State:	+$9,233

(% of AGI for various income ranges: 6.5% for AGIs below $10k, 4.0% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, -0.6% for AGIs $75k-100k)

IRA payment deduction: $2,091 (reported on 0.9% of returns)

40823:	$2,091
Kentucky:	$2,955

Total itemized deductions: $13,484 (18% of AGI, reported on 10.6% of returns)

Here:	$13,484
State:	$17,474

Here:	18.4% of AGI
State:	21.0% of AGI

(% of AGI for various income ranges: 2.2% for AGIs $10k-25k, 3.9% for AGIs $25k-50k, 4.1% for AGIs $50k-75k, 8.2% for AGIs $75k-100k, 10.4% for AGIs over 100k)

Charity contributions deductions: $3,467 (4% of AGI, reported on 7.7% of returns)

Here:	$3,467
State:	$3,494

Here:	4.2% of AGI
State:	4.0% of AGI

(% of AGI for various income ranges: 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 2.0% for AGIs over 100k)

Total tax: $3,870 (reported on 61.1% of returns)

40823:	$3,870
State:	$6,162

(% of AGI for various income ranges: 1.8% for AGIs below $10k, 2.8% for AGIs $10k-25k, 6.0% for AGIs $25k-50k, 9.1% for AGIs $50k-75k, 10.9% for AGIs $75k-100k, 16.3% for AGIs over 100k)

Earned income credit: $1,701 (reported on 32.8% of returns)

Here:	$1,701
State:	$1,723

Percentage of individuals using paid preparers for their 2004 taxes: 75.4%

Here:	75%
State:	66%

(% for various income ranges: 73.0% for AGIs below $10k, 75.9% for AGIs $10k-25k, 78.9% for AGIs $25k-50k, 76.2% for AGIs $50k-75k, 72.5% for AGIs $75k-100k, 70.6% for AGIs over 100k)

Nearest zip codes: 40807, 40843, 41833, 40855, 41821, 40927.
Benham Zip Code Map

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

• Lesbian couples: 0.6% of all households
• Gay men: 0.0% of all households

Household received Food Stamps/SNAP in the past 12 months: 715
Household did not receive Food Stamps/SNAP in the past 12 months: 1,078

Women who had a birth in the past 12 months: 37 (29 now married, 8 unmarried)
Women who did not have a birth in the past 12 months: 789 (470 now married, 319 unmarried)

Housing units in zip code 40823 with a mortgage: 357 (21 home equity loan)
Houses without a mortgage: 845

Median monthly owner costs for units with a mortgage: $714
Median monthly owner costs for units without a mortgage: $258

Residents with income below the poverty level in 2015:
Residents with income below 50% of the poverty level in 2015:

• Zip code 40823 household income distribution in 2015

• 
• 393Less than $10,000
• 229$10,000 to $14,999
• 140$15,000 to $19,999
• 159$20,000 to $24,999
• 160$25,000 to $29,999
• 58$30,000 to $34,999
• 100$35,000 to $39,999
• 84$40,000 to $44,999
• 37$45,000 to $49,999
• 150$50,000 to $59,999
• 102$60,000 to $74,999
• 61$75,000 to $99,999
• 70$100,000 to $124,999
• 50$125,000 to $149,999

• Estimate of home value of owner-occupied houses/condos in 2015 in zip code 40823

• 
• 82Less than $10,000
• 60$10,000 to $14,999
• 60$15,000 to $19,999
• 35$20,000 to $24,999
• 58$25,000 to $29,999
• 53$30,000 to $34,999
• 78$35,000 to $39,999
• 211$40,000 to $49,999
• 61$50,000 to $59,999
• 154$60,000 to $69,999
• 65$70,000 to $79,999
• 55$80,000 to $89,999
• 22$90,000 to $99,999
• 99$100,000 to $124,999
• 49$125,000 to $149,999
• 40$150,000 to $174,999
• 20$300,000 to $399,999

• Rent paid by renters in 2015 in zip code 40823

• 
• 39Less than $100
• 6$100 to $149
• 70$150 to $199
• 51$200 to $249
• 53$250 to $299
• 111$300 to $349
• 46$350 to $399
• 21$450 to $499
• 5$500 to $549
• 20$550 to $599
• 169No cash rent

Median gross rent in 2015: $408.

Estimated median house (or condo) value in 2015 for:

• White Non-Hispanic householders: $53,052
• Black or African American householders: $30,701
• Two or more races householders: $92,489
• Hispanic or Latino householders: $87,736

Estimated median house or condo value in 2015: $48,300 Lower value quartile - upper value quartile: $30,500 - $77,600

Mean price in 2015:

Detached houses: $84,263

Here:	$84,263
State:	$177,404

Townhouses or other attached units: $20,918

Here:	$20,918
State:	$187,637

In 3-to-4-unit structures: $105,557

Here:	$105,557
State:	$126,491

Mobile homes: $39,609

Here:	$39,609
State:	$58,224

Housing units in structures:

• One, detached: 1,525
• One, attached: 18
• Two: 36
• 3 or 4: 141
• 5 to 9: 106
• 10 to 19: 28
• 20 to 49: 43
• Mobile homes: 241

Unemployment: 10.1%

• Means of transportation to work in zip code 40823

• 
• 74.3%798Drove a car alone
• 20.5%220Carpooled
• 5.2%56Walked

• Travel time to work (commute) in zip code 40823

• 
• 216Less than 5 minutes
• 3015 to 9 minutes
• 10610 to 14 minutes
• 8815 to 19 minutes
• 7920 to 24 minutes
• 3625 to 29 minutes
• 12530 to 34 minutes
• 2635 to 39 minutes
• 340 to 44 minutes
• 6145 to 59 minutes
• 1960 to 89 minutes
• 1490 or more minutes

Percentage of zip code residents living and working in this county: 86.9%

Household type by relationship:

Households: 4,120

• In family households: 3,484 (628 male householders, 554 female householders)

  879 spouses, 1,108 children (1,058 natural, 18 adopted, 34 stepchildren), 142 grandchildren, 30 brothers or sisters, 15 parents, 34 other relatives, 72 non-relatives

• In nonfamily households: 636 (233 male householders (233 living alone)), 378 female householders (351 living alone)), 25 nonrelatives
• In group quarters: 88 (84 institutionalized population)

Size of family households: 583 2-persons, 287 3-persons, 165 4-persons, 114 5-persons, 24 6-persons, 9 7-or-more-persons

Size of nonfamily households: 584 1-person, 27 2-persons

630 married couples with children.
231 single-parent households (44 men, 187 women).

98.5% of residents of 40823 zip code speak English at home.
0.3% of residents speak Spanish at home (31% very well, 69% well).
1.2% of residents speak other Indo-European language at home (64% very well, 36% well).

Facilities with environmental interests located in this zip code:

• MOUNTAIN ENTERPRISES (1709 HIGHWAY 160 in CUMBERLAND, KY)

  AIR MINOR (AIRS/AFS)
  (Integrated Compliance Information System) - ICIS-04-1999-0408, FORMAL ENFORCEMENT ACTION
  CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: ASPHALT PAVING MIXTURES AND BLOCKS
  Organizations: MOUNTAIN ENTERPRISES INC (CONTACT/OWNER)
  

• BLUE DIAMOND COAL CO/SCOTIA MI (US HWY 119 S in CUMBERLAND, KY)

  (Integrated Compliance Information System) - ICIS-04-1978-0006, FORMAL ENFORCEMENT ACTION
  

• PINE MOUNTAIN TRAILER PARK #2 (HWY 119 in CUMBERLAND, KY)

  (Integrated Compliance Information System) - ICIS-04-2000-0476, FORMAL ENFORCEMENT ACTION
  Business SIC classification: WATER SUPPLY
  

• BLAIRS CITGO SERVICE STATION (201 MAIN ST in CUMBERLAND, KY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: F N HAZEN (CONTACT/OWNER)
  

• CONTEL OF KENTUCKY, INC. (309 E. MAIN STREET in CUMBERLAND, KY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: CONTEL OF KY, INC. (CONTACT/OWNER)
  

• MOSLEY'S SERVICE CENTER (HWY 1254 in CUMBERLAND, KY)

  (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: ED LEISGE (CONTACT/OWNER)
  

• NALLY & HAMILTON ENT INC (INTERS US 119 & JOE DAY BRANCH in OVEN FORK, KY)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: BITUMINOUS COAL AND LIGNITE SURFACE MINING
  

• NALLY & HAMILTON ENT TIMBERTRE (TIMBERTREE #1 US 119 & KY 160 in CUMBERLAND, KY)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: BITUMINOUS COAL AND LIGNITE SURFACE MINING
  

• PLAZA MOTEL (18855 N US HWY 119 in CUMBERLAND, KY)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: HOTELS AND MOTELS
  

• KY DOP KINGDOM COME ST PK (HWY 160 in CUMBERLAND, KY)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: AMUSEMENT AND RECREATION SERVICES
  

• ARH TRI CITY MEDICAL CENTER (18880 N US HWY 119 in CUMBERLAND, KY)

  Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste))
  Organizations: APPALACHIAN REGIONAL HEALTHCARE (CONTACT/OWNER)
  

• ARCH OF KENTUCKY #37 MINE (STATE RT. 2006, CLOVERLICK RD. in CUMBERLAND, KY)

  Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
  Organizations: APOGEE COAL COMPANY (CONTACT/OWNER)
  

• BOGGS DRY CLEANERS (905 MAIN ST in CUMBERLAND, KY)

  Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
  Organizations: CHARLES BRUCE BOGGS II / RICHARD SLONE (CONTACT/OWNER)
  Alternative names: SHEPHERD'S DRY CLEANING

Housing units lacking complete plumbing facilities: 4.5%
Housing units lacking complete kitchen facilities: 4.0%

Population in 1990: 6,601. Population change in the 1990s: -2,118 (-32.1%).

Place of birth for U.S.-born residents:

• This state: 3,319
• Northeast: 10
• Midwest: 300
• South: 547
• West: 17

71% of the 40823 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 80% lived in this county.
   Out of people who lived in different counties, 50% lived in Kentucky.

91% of the 40823 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 69% moved from this county.
   Out of people who lived in different houses, 21% moved from different county within same state.
   Out of people who lived in different houses, 9% moved from different state.
   Out of people who lived in different houses, 2% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 28
Students in private schools in grades 9 to 12 (high school): 10 Students in private undergraduate colleges:

Companies with federal contracts located in this zip code:

• SOUTHEASTERN KENTUCKY REHABILI (1302 E MAIN ST in CUMBERLAND, KY) : $57,967 in 6 contracts from 2001 to 2006

  Contracts for Textiles, Clothing and Equipage -- Operational Systems Development (R&D), Clothing, Special Purpose by Army, Navy
  Signed by year: 2000: $0; 2001: $28,354; 2002: $0; 2003: $0; 2004: $0; 2005: $22,892; 2006: $6,721.
  
  Biggest contracts:
  $28,354 with Army for Textiles, Clothing and Equipage -- Operational Systems Development (R&D). Signed on 2001-09-21. Completion date: 2001-11-19.
  $10,879 with Navy for Clothing, Special Purpose. Signed on 2005-07-21. Completion date: 2005-09-18.
  $8,967, same as above. Signed on 2005-07-21. Completion date: 2005-09-18.
  $6,721, same as above. Signed on 2006-01-19. Completion date: 2006-04-28.
  

Top industries in this zip code by the number of employees in 2005:

• Health Care and Social Assistance: Vocational Rehabilitation Services (250-499 employees: 1 establishment, 5-9 employees: 1 establishment)
• Mining: Bituminous Coal Underground Mining (50-99: 3, 20-49: 1)
• Health Care and Social Assistance: Nursing Care Facilities (50-99: 1)
• Other Services (except Public Administration): Grantmaking Foundations (20-49: 1)
• Accommodation and Food Services: Limited-Service Restaurants (20-49: 1)
• Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (20-49: 1)
• Accommodation and Food Services: Full-Service Restaurants (10-19: 1, 5-9: 1, 1-4: 1)
• Health Care and Social Assistance: Child Day Care Services (10-19: 1, 5-9: 1)

Most common first names in zip code 40823 among deceased individuals
Name	Count	Lived (average)
John	55	73.3 years
James	50	69.8 years
William	38	75.1 years
Charles	31	68.9 years
Mary	25	78.2 years
George	24	67.8 years
Robert	22	69.2 years
Henry	19	74.5 years
Martha	18	77.3 years
Joe	15	75.1 years

Most common last names in zip code 40823 among deceased individuals
Last name	Count	Lived (average)
Creech	43	73.4 years
Hall	43	74.2 years
Cornett	38	73.2 years
Lewis	35	69.1 years
Fields	33	69.4 years
Smith	29	73.1 years
Gilliam	28	78.0 years
Shepherd	26	71.6 years
Boggs	26	70.5 years
Halcomb	25	69.2 years

Businesses in zip code 40823
Name	Count		Name	Count
Advance Auto Parts	1		Pizza Hut	1
GNC	1		Rite Aid	1
H&R Block	1		Subway	1
Hardee's	1