Zip code 40965: Middlesboro, Kentucky

Q: What city is zip code 40965?

40965 is assigned to Middlesboro, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 40965 in?

40965 is mostly in Bell County, but it extends into 1 other county.

Q: What is the population of 40965?

About 11,561 people live in 40965, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 40965?

The median household income in 40965 is $28,685.

Q: What zip codes are near 40965?

The closest zip codes to 40965 are 37851, 37724, 37867, 37707, 40977.

Residential delivery areaBell CountyEastern Time

Population

11,561

Median household income

$29K

U.S. $81K

Median home value

$95K

U.S. $333K

Median rent

$595/mo

U.S. $1,413

Median age

40.4

U.S. 38.9

Land area

86 sq mi

134 people/sq mi

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

About 40965

40965 is a small-town zip code in Middlesboro, Kentucky (Bell County), covering 86 sq mi of land. About 11,561 people live here, or 134 per square mile. The median resident is 40.4 years old, compared with 38.9 nationally.

The median household earns $28,685 a year, about 36% of the national median of $80,734. 31.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $95,200, or 3.3 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 54% of occupied homes are lived in by their owners, and renters pay a median of $595 a month.

18% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 17.3 minutes each way, and 4% of workers work from home. The most common jobs among working residents are in healthcare; sales; and transportation and moving goods.

How 40965 compares

Sorted from highest to lowest national percentile

Poverty rate31.8%
97th
WeaknessU.S. 12.5% · KY 16.1%120th of 722 in KY
Healthcare workers16.5%
97th
U.S. 9.7% · KY 10.5%121st of 719 in KY
Unemployment rate10.8%
95th
WeaknessU.S. 5.2% · KY 4.9%78th of 719 in KY
Income inequality (Gini)0.531
95th
WeaknessU.S. 0.483 · KY 0.47749th of 715 in KY
Rent-burdened renters62.9%
90th
WeaknessU.S. 51.1% · KY 45.4%125th of 634 in KY
Housing vacancy13.5%
83rd
U.S. 10.1% · KY 10.3%322nd of 719 in KY
Government workers17.1%
72nd
U.S. 14.5% · KY 14.6%267th of 719 in KY
Residents 65 and older19.5%
71st
U.S. 17.2% · KY 17.3%285th of 724 in KY
Median age40.4
60th
U.S. 38.9 · KY 39.1431st of 724 in KY
Residents under 1822%
49th
U.S. 22% · KY 22.6%366th of 724 in KY
Uninsured rate5.5%
38th
U.S. 8.4% · KY 6%300th of 723 in KY
Veterans5%
38th
U.S. 6.2% · KY 6.5%434th of 724 in KY
Self-employed workers7.9%
31st
U.S. 10% · KY 8.6%360th of 719 in KY
Homeownership rate54.1%
23rd
U.S. 65.2% · KY 68.3%664th of 719 in KY
Population11,561
18th
U.S. 334,922,499 · KY 4,534,824122nd of 724 in KY
Tech workers1.3%
18th
U.S. 3.8% · KY 2.2%222nd of 719 in KY
Population density134/sq mi
16th
U.S. 95/sq mi · KY 115/sq mi183rd of 724 in KY
Bachelor's degree or higher18%
16th
WeaknessU.S. 35.7% · KY 27.6%273rd of 723 in KY
Diversity index19.7
12th
U.S. 61.4 · KY 32.5222nd of 724 in KY
Work from home4.1%
5th
U.S. 15.1% · KY 10.2%432nd of 719 in KY
Per capita income$21,508
4th
WeaknessU.S. $44,673 · KY $35,821580th of 722 in KY
Average commute17.3 min
4th
StrengthU.S. 26.4 min · KY 24 min603rd of 624 in KY
Broadband access77.9%
3rd
WeaknessU.S. 91% · KY 88.6%589th of 719 in KY
Foreign-born residents0.6%
3rd
U.S. 14.1% · KY 4.7%335th of 724 in KY
Median home value$95,200
2nd
U.S. $332,700 · KY $205,600494th of 642 in KY
Median earnings per worker$27,480
2nd
WeaknessU.S. $49,666 · KY $43,552634th of 700 in KY
Median household income$28,685
1st
WeaknessU.S. $80,734 · KY $63,726606th of 641 in KY
Median gross rent$595
1st
U.S. $1,413 · KY $967418th of 467 in KY

Measure	40965	Bell	KY	U.S.	National percentile	Rank in KY
Poverty rateWeakness	31.8%	28.8%	16.1%	12.5%	97th	120th of 722
Healthcare workers	16.5%	13.8%	10.5%	9.7%	97th	121st of 719
Unemployment rateWeakness	10.8%	10.1%	4.9%	5.2%	95th	78th of 719
Income inequality (Gini)Weakness	0.531	0.510	0.477	0.483	95th	49th of 715
Rent-burdened rentersWeakness	62.9%	54.9%	45.4%	51.1%	90th	125th of 634
Housing vacancy	13.5%	14.5%	10.3%	10.1%	83rd	322nd of 719
Government workers	17.1%	16.2%	14.6%	14.5%	72nd	267th of 719
Residents 65 and older	19.5%	18.9%	17.3%	17.2%	71st	285th of 724
Median age	40.4	41.7	39.1	38.9	60th	431st of 724
Residents under 18	22%	21.9%	22.6%	22%	49th	366th of 724
Uninsured rate	5.5%	5.3%	6%	8.4%	38th	300th of 723
Veterans	5%	3.9%	6.5%	6.2%	38th	434th of 724
Self-employed workers	7.9%	8.7%	8.6%	10%	31st	360th of 719
Homeownership rate	54.1%	58.8%	68.3%	65.2%	23rd	664th of 719
Population	11,561	23,509	4,534,824	334,922,499	18th	122nd of 724
Tech workers	1.3%	0.7%	2.2%	3.8%	18th	222nd of 719
Population density	134/sq mi	66/sq mi	115/sq mi	95/sq mi	16th	183rd of 724
Bachelor's degree or higherWeakness	18%	15.8%	27.6%	35.7%	16th	273rd of 723
Diversity index	19.7	14.1	32.5	61.4	12th	222nd of 724
Work from home	4.1%	4.4%	10.2%	15.1%	5th	432nd of 719
Per capita incomeWeakness	$21,508	$21,704	$35,821	$44,673	4th	580th of 722
Average commuteStrength	17.3 min	22.7 min	24 min	26.4 min	4th	603rd of 624
Broadband accessWeakness	77.9%	79.3%	88.6%	91%	3rd	589th of 719
Foreign-born residents	0.6%	0.4%	4.7%	14.1%	3rd	335th of 724
Median home value	$95,200	$89,000	$205,600	$332,700	2nd	494th of 642
Median earnings per workerWeakness	$27,480	$33,151	$43,552	$49,666	2nd	634th of 700
Median household incomeWeakness	$28,685	$31,354	$63,726	$80,734	1st	606th of 641
Median gross rent	$595	$592	$967	$1,413	1st	418th of 467

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

Under 5

17%

5–17

18–24

14%

25–34

13%

35–44

10%

45–54

14%

55–64

11%

65–74

75+

Median age

40.4

Under 18

22%

65 and over

19.5%

Race and ethnicity

White89%
Black5%
Hispanic1.0%
Asian0.5%
Native American0.2%
Pacific Islander0%
Other0.2%
Multiracial4%

Diversity index

19.7

U.S. 61.4

Foreign-born

0.6%

U.S. 14.1%

Born in state

72.6%

Language spoken at home (households)

English only

99%

Spanish

0.2%

Other Indo-European

0.6%

Asian / Pacific

0.7%

Other

Households

Households: 5,238
Average household size: 2.2
Family households: 53.8%
Married couples: 28.6%
Living alone: 41.5%
Veterans (of adults): 5%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

45%

$25–50k

22%

$50–75k

17%

$75–100k

$100–150k

$150–200k

$200k+

Median household income

40965

$28,685

Bell Co.

$31,354

Kentucky

$63,726

United States

$80,734

Per capita income

$21,508

U.S. $44,673

Poverty rate

31.8%

U.S. 12.5%

Households earning $150K+

4.3%

U.S. 23%

Income inequality (Gini)

0.531

U.S. 0.483

Housing

Median home value

40965

$95,200

Bell Co.

$89,000

Kentucky

$205,600

United States

$332,700

Median gross rent

40965

$595

Bell Co.

$592

Kentucky

$967

United States

$1,413

Types of housing

Single-family

59%

2–4 units

10%

5–19 units

20+ units

Mobile home

21%

Boat, RV, van

Housing units: 6,052
Owner-occupied: 54.1%
Vacant: 13.5%
Median year built: 1976
Median rooms: 5.3
Renters paying 30%+ of income: 62.9%
Renters paying 50%+ of income: 28%
Home value to income: 3.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

66%

Carpooled

24%

Transit

Walked

Bicycle

0.5%

Worked from home

Other

0.6%

Commute time (one way)

<10 min

46%

10–19

25%

20–29

12%

30–44

45–59

60+

Average commute

17.3 min

U.S. 26.4 min

Unemployment

10.8%

U.S. 5.2%

In labor force

43.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

17%

Sales

13%

Transportation and moving

11%

Production

11%

Education

Cleaning and personal care

Food service

Construction and repair

Office and admin

Management

Legal and social services

Business and finance

Police and fire

Computer and math

Engineering and science

Arts, media and sports

Farming, fishing and forestry

0.1%

Industries

Health care and social assistance

19%

Education

15%

Manufacturing

13%

Retail

12%

Restaurants and hotels

Other services

Admin, support and management

Public administration

Professional and technical services

Agriculture and mining

Finance, insurance and real estate

Transportation, warehousing and utilities

Construction

Information

Wholesale

Arts and recreation

Median earnings per worker

$27,480

U.S. $49,666

Self-employed

7.9%

U.S. 10%

Government workers

17.1%

U.S. 14.5%

Nonprofit workers

12.6%

U.S. 8.8%

Median earnings by type of work

Type of work	40965	U.S.
Management, business, science and arts	$29,865	$74,888
Service	$19,896	$26,804
Sales and office	$28,707	$40,476
Construction and maintenance	$38,268	$49,199
Production and transportation	$34,432	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

19%

High school

31%

Some college

22%

Associate's

Bachelor's

12%

Graduate

High school graduate or higher: 80.7%
Bachelor's degree or higher: 18%
Graduate or professional degree: 6.2%
Households with broadband: 77.9%
Cable, fiber or DSL: 67.4%
No internet access: 19%
Without health insurance: 5.5%
Limited-English households: 0%

Geography

City (USPS): Middlesboro
State: Kentucky
County: Bell County
Center point: 36.6200° N, 83.7318° W
Land area: 86 sq mi
Water area: 0.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

40965 spans 2 counties

Bell County85% of land
Claiborne County15% of land

Cities and towns within this zip

Middlesborough9% of zip

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

Zip codes near 40965

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
37851	Pruden, TN	5 mi	0	—	—
37724	Cumberland Gap, TN	5.1 mi	2,214	$31,941	$149,400
37867	Shawanee, TN · PO box	5.4 mi	—	—	—
37707	Arthur, TN · PO box	6 mi	—	—	—
40977	Pineville, KY	7.2 mi	8,367	$37,917	$85,600
40813	Calvin, KY	9.9 mi	354	$81,204	$159,800
40955	Ingram, KY · PO box	10 mi	—	—	—
40995	Trosper, KY	11 mi	120	$36,188	—
37752	Harrogate, TN	11 mi	6,185	$60,028	$193,600
40940	Frakes, KY	12 mi	367	—	—
40763	Siler, KY	12 mi	411	—	$80,700
37870	Speedwell, TN	12 mi	4,385	$55,516	$126,400

Zip codes like 40965 elsewhere

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

Questions about 40965

What city is zip code 40965?

40965 is assigned to Middlesboro, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 40965 in?

40965 is mostly in Bell County, but it extends into 1 other county.

What is the population of 40965?

About 11,561 people live in 40965, according to the Census Bureau's American Community Survey.

What time zone is 40965 in?

40965 is in Eastern Time.

What is the median household income in 40965?

The median household income in 40965 is $28,685.

What zip codes are near 40965?

The closest zip codes to 40965 are 37851, 37724, 37867, 37707, 40977.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 40965, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.