Zip code 40823: Cumberland, Kentucky

Q: What city is zip code 40823?

40823 is assigned to Cumberland, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 40823 in?

40823 is in Harlan County, Kentucky.

Q: What is the population of 40823?

About 3,742 people live in 40823, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 40823?

The median household income in 40823 is $35,402.

Q: What zip codes are near 40823?

The closest zip codes to 40823 are 40807, 40927, 41833, 40843, 40855.

Residential delivery areaHarlan CountyEastern Time

Population

3,742

Median household income

$35K

U.S. $81K

Median home value

$71K

U.S. $333K

Median rent

$633/mo

U.S. $1,413

Median age

31.6

U.S. 38.9

Land area

48 sq mi

77 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 40823

40823 is a small-town zip code in Cumberland, Kentucky (Harlan County), covering 48 sq mi of land. About 3,742 people live here, or 77 per square mile. The median resident is 31.6 years old, compared with 38.9 nationally.

The median household earns $35,402 a year, about 44% of the national median of $80,734. 42% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $70,500, or 2.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 56% of occupied homes are lived in by their owners, and renters pay a median of $633 a month.

16% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.4 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in healthcare; education; and cleaning and personal care.

How 40823 compares

Sorted from highest to lowest national percentile

Poverty rate42%
99th
WeaknessU.S. 12.5% · KY 16.1%62nd of 722 in KY
Unemployment rate15.2%
99th
WeaknessU.S. 5.2% · KY 4.9%42nd of 719 in KY
Healthcare workers16.8%
98th
U.S. 9.7% · KY 10.5%115th of 719 in KY
Residents under 1831.6%
97th
U.S. 22% · KY 22.6%68th of 724 in KY
Government workers28%
97th
U.S. 14.5% · KY 14.6%89th of 719 in KY
Income inequality (Gini)0.515
92nd
WeaknessU.S. 0.483 · KY 0.47765th of 715 in KY
Housing vacancy16.6%
89th
U.S. 10.1% · KY 10.3%250th of 719 in KY
Residents 65 and older17.2%
55th
U.S. 17.2% · KY 17.3%412th of 724 in KY
Median earnings per worker$48,803
52nd
U.S. $49,666 · KY $43,552146th of 700 in KY
Broadband access91.7%
46th
U.S. 91% · KY 88.6%182nd of 719 in KY
Veterans5.4%
44th
U.S. 6.2% · KY 6.5%399th of 724 in KY
Rent-burdened renters48.7%
42nd
U.S. 51.1% · KY 45.4%240th of 634 in KY
Uninsured rate5.4%
37th
U.S. 8.4% · KY 6%313th of 723 in KY
Average commute23.4 min
32nd
U.S. 26.4 min · KY 24 min436th of 624 in KY
Homeownership rate55.9%
26th
U.S. 65.2% · KY 68.3%658th of 719 in KY
Work from home8.4%
25th
U.S. 15.1% · KY 10.2%258th of 719 in KY
Population density77/sq mi
11th
U.S. 95/sq mi · KY 115/sq mi282nd of 724 in KY
Bachelor's degree or higher15.7%
11th
WeaknessU.S. 35.7% · KY 27.6%333rd of 723 in KY
Median age31.6
7th
U.S. 38.9 · KY 39.1657th of 724 in KY
Population3,742
6th
U.S. 334,922,499 · KY 4,534,824243rd of 724 in KY
Diversity index13.2
6th
U.S. 61.4 · KY 32.5332nd of 724 in KY
Tech workers0.4%
5th
U.S. 3.8% · KY 2.2%329th of 719 in KY
Median household income$35,402
2nd
WeaknessU.S. $80,734 · KY $63,726567th of 641 in KY
Per capita income$19,260
2nd
WeaknessU.S. $44,673 · KY $35,821629th of 722 in KY
Median gross rent$633
2nd
U.S. $1,413 · KY $967401st of 467 in KY
Median home value$70,500
1st
U.S. $332,700 · KY $205,600571st of 642 in KY
Foreign-born residents0%
1st
U.S. 14.1% · KY 4.7%519th of 724 in KY
Self-employed workers3.4%
1st
U.S. 10% · KY 8.6%550th of 719 in KY

Measure	40823	Harlan	KY	U.S.	National percentile	Rank in KY
Poverty rateWeakness	42%	27.4%	16.1%	12.5%	99th	62nd of 722
Unemployment rateWeakness	15.2%	9.5%	4.9%	5.2%	99th	42nd of 719
Healthcare workers	16.8%	12.3%	10.5%	9.7%	98th	115th of 719
Residents under 18	31.6%	23.7%	22.6%	22%	97th	68th of 724
Government workers	28%	20.8%	14.6%	14.5%	97th	89th of 719
Income inequality (Gini)Weakness	0.515	0.463	0.477	0.483	92nd	65th of 715
Housing vacancy	16.6%	17.7%	10.3%	10.1%	89th	250th of 719
Residents 65 and older	17.2%	19.5%	17.3%	17.2%	55th	412th of 724
Median earnings per worker	$48,803	$36,803	$43,552	$49,666	52nd	146th of 700
Broadband access	91.7%	84.2%	88.6%	91%	46th	182nd of 719
Veterans	5.4%	5.7%	6.5%	6.2%	44th	399th of 724
Rent-burdened renters	48.7%	48.3%	45.4%	51.1%	42nd	240th of 634
Uninsured rate	5.4%	4.9%	6%	8.4%	37th	313th of 723
Average commute	23.4 min	23.8 min	24 min	26.4 min	32nd	436th of 624
Homeownership rate	55.9%	71.6%	68.3%	65.2%	26th	658th of 719
Work from home	8.4%	5.8%	10.2%	15.1%	25th	258th of 719
Population density	77/sq mi	55/sq mi	115/sq mi	95/sq mi	11th	282nd of 724
Bachelor's degree or higherWeakness	15.7%	13%	27.6%	35.7%	11th	333rd of 723
Median age	31.6	40.9	39.1	38.9	7th	657th of 724
Population	3,742	25,772	4,534,824	334,922,499	6th	243rd of 724
Diversity index	13.2	11.6	32.5	61.4	6th	332nd of 724
Tech workers	0.4%	0.9%	2.2%	3.8%	5th	329th of 719
Median household incomeWeakness	$35,402	$41,693	$63,726	$80,734	2nd	567th of 641
Per capita incomeWeakness	$19,260	$22,319	$35,821	$44,673	2nd	629th of 722
Median gross rent	$633	$678	$967	$1,413	2nd	401st of 467
Median home value	$70,500	$73,700	$205,600	$332,700	1st	571st of 642
Foreign-born residents	0%	0.4%	4.7%	14.1%	1st	519th of 724
Self-employed workers	3.4%	7.8%	8.6%	10%	1st	550th of 719

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

12%

Under 5

19%

5–17

18–24

15%

25–34

35–44

11%

45–54

12%

55–64

65–74

75+

Median age

31.6

Under 18

31.6%

65 and over

17.2%

Race and ethnicity

White93%
Black1%
Hispanic0%
Asian0%
Native American0.9%
Pacific Islander0%
Other0%
Multiracial5%

Diversity index

13.2

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

89.3%

Language spoken at home (households)

English only

100%

Spanish

Other Indo-European

Asian / Pacific

0.5%

Other

Households

Households: 1,516
Average household size: 2.4
Family households: 65.6%
Married couples: 39.4%
Living alone: 31.5%
Veterans (of adults): 5.4%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

45%

$25–50k

17%

$50–75k

11%

$75–100k

11%

$100–150k

$150–200k

$200k+

0.4%

Median household income

40823

$35,402

Harlan Co.

$41,693

Kentucky

$63,726

United States

$80,734

Per capita income

$19,260

U.S. $44,673

Poverty rate

42%

U.S. 12.5%

Households earning $150K+

7.7%

U.S. 23%

Income inequality (Gini)

0.515

U.S. 0.483

Housing

Median home value

40823

$70,500

Harlan Co.

$73,700

Kentucky

$205,600

United States

$332,700

Median gross rent

40823

$633

Harlan Co.

$678

Kentucky

$967

United States

$1,413

Types of housing

Single-family

60%

2–4 units

11%

5–19 units

11%

20+ units

0.9%

Mobile home

18%

Boat, RV, van

Housing units: 1,817
Owner-occupied: 55.9%
Vacant: 16.6%
Median year built: 1975
Median rooms: 5.7
Renters paying 30%+ of income: 48.7%
Renters paying 50%+ of income: 16.1%
Home value to income: 2.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

67%

Carpooled

20%

Transit

0.4%

Walked

Bicycle

Worked from home

Other

0.9%

Commute time (one way)

<10 min

21%

10–19

24%

20–29

20%

30–44

25%

45–59

60+

Average commute

23.4 min

U.S. 26.4 min

Unemployment

15.2%

U.S. 5.2%

In labor force

40.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

17%

Education

13%

Cleaning and personal care

11%

Transportation and moving

11%

Management

10%

Sales

Construction and repair

Food service

Production

Engineering and science

Office and admin

Business and finance

Legal and social services

0.7%

Computer and math

0.4%

Arts, media and sports

Police and fire

Farming, fishing and forestry

Industries

Health care and social assistance

21%

Education

20%

Finance, insurance and real estate

10%

Transportation, warehousing and utilities

10%

Manufacturing

Retail

Other services

Agriculture and mining

Restaurants and hotels

Construction

Public administration

Admin, support and management

0.7%

Wholesale

0.3%

Arts and recreation

0.3%

Professional and technical services

Information

Median earnings per worker

$48,803

U.S. $49,666

Self-employed

3.4%

U.S. 10%

Government workers

28%

U.S. 14.5%

Nonprofit workers

19.7%

U.S. 8.8%

Median earnings by type of work

Type of work	40823	U.S.
Management, business, science and arts	$63,936	$74,888
Service	$20,789	$26,804
Sales and office	$15,096	$40,476
Construction and maintenance	$75,771	$49,199
Production and transportation	$47,961	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

19%

High school

30%

Some college

21%

Associate's

14%

Bachelor's

Graduate

High school graduate or higher: 81.2%
Bachelor's degree or higher: 15.7%
Graduate or professional degree: 8.7%
Households with broadband: 91.7%
Cable, fiber or DSL: 83.7%
No internet access: 4.9%
Without health insurance: 5.4%
Limited-English households: 0%

Geography

City (USPS): Cumberland
State: Kentucky
County: Harlan County
Center point: 36.9586° N, 82.9910° W
Land area: 48 sq mi
Water area: 0.2 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Cumberland6% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 40823

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
40807	Benham, KY	2 mi	619	$49,118	$55,500
40927	Closplint, KY	4.2 mi	584	$52,381	$47,600
41833	Linefork, KY	4.7 mi	144	—	—
40843	Holmes Mill, KY	5.5 mi	48	—	—
40855	Lynch, KY	6.2 mi	744	$29,891	$57,500
41819	Gordon, KY	6.7 mi	289	—	$66,500
41821	Hallie, KY	7.1 mi	363	—	$112,500
41735	Delphia, KY	7.3 mi	333	$45,893	$63,500
40862	Partridge, KY	8.5 mi	525	$41,992	$87,500
40849	Lejunior, KY	9 mi	34	—	—
40870	Totz, KY	9 mi	564	$51,452	$132,000
24265	Keokee, VA	9 mi	1,140	$42,727	$65,400

Zip codes like 40823 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 40823

What city is zip code 40823?

40823 is assigned to Cumberland, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 40823 in?

40823 is in Harlan County, Kentucky.

What is the population of 40823?

About 3,742 people live in 40823, according to the Census Bureau's American Community Survey.

What time zone is 40823 in?

40823 is in Eastern Time.

What is the median household income in 40823?

The median household income in 40823 is $35,402.

What zip codes are near 40823?

The closest zip codes to 40823 are 40807, 40927, 41833, 40843, 40855.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 40823, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.