Zip code 40972: Oneida, Kentucky

Q: What city is zip code 40972?

40972 is assigned to Oneida, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 40972 in?

40972 is mostly in Clay County, but it extends into 1 other county.

Q: What is the population of 40972?

About 1,255 people live in 40972, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 40972?

The median household income in 40972 is $41,250.

Q: What zip codes are near 40972?

The closest zip codes to 40972 are 41762, 40981, 41351, 41714, 41721.

Residential delivery areaClay CountyEastern Time

Population

1,255

Median household income

$41K

U.S. $81K

Median home value

$51K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

43.7

U.S. 38.9

Land area

74 sq mi

17 people/sq mi

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

About 40972

40972 is a rural zip code in Oneida, Kentucky (Clay County), covering 74 sq mi of land. About 1,255 people live here, or 17 per square mile. The median resident is 43.7 years old, compared with 38.9 nationally.

The median household earns $41,250 a year, about 51% of the national median of $80,734. 29% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $50,500, or 1.2 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 89% of occupied homes are lived in by their owners.

15% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 25.9 minutes each way, and 0% of workers work from home. The most common jobs among working residents are in management; transportation and moving goods; and education.

How 40972 compares

Sorted from highest to lowest national percentile

Rent-burdened renters100%
99th
WeaknessU.S. 51.1% · KY 45.4%13th of 634 in KY
Housing vacancy23.8%
96th
U.S. 10.1% · KY 10.3%118th of 719 in KY
Poverty rate29%
95th
WeaknessU.S. 12.5% · KY 16.1%154th of 722 in KY
Homeownership rate88.5%
94th
StrengthU.S. 65.2% · KY 68.3%159th of 719 in KY
Unemployment rate7.2%
81st
WeaknessU.S. 5.2% · KY 4.9%163rd of 719 in KY
Median age43.7
80th
U.S. 38.9 · KY 39.1262nd of 724 in KY
Residents 65 and older20.7%
77th
U.S. 17.2% · KY 17.3%228th of 724 in KY
Government workers15.8%
65th
U.S. 14.5% · KY 14.6%318th of 719 in KY
Average commute25.9 min
49th
U.S. 26.4 min · KY 24 min329th of 624 in KY
Uninsured rate5.7%
40th
U.S. 8.4% · KY 6%288th of 723 in KY
Broadband access88.7%
27th
U.S. 91% · KY 88.6%287th of 719 in KY
Income inequality (Gini)0.403
23rd
U.S. 0.483 · KY 0.477457th of 715 in KY
Veterans3.6%
21st
U.S. 6.2% · KY 6.5%543rd of 724 in KY
Median earnings per worker$37,692
16th
WeaknessU.S. $49,666 · KY $43,552450th of 700 in KY
Bachelor's degree or higher14.7%
9th
WeaknessU.S. 35.7% · KY 27.6%377th of 723 in KY
Residents under 1815.6%
9th
U.S. 22% · KY 22.6%593rd of 724 in KY
Median household income$41,250
4th
WeaknessU.S. $80,734 · KY $63,726521st of 641 in KY
Population1,255
2nd
U.S. 334,922,499 · KY 4,534,824409th of 724 in KY
Population density17/sq mi
2nd
U.S. 95/sq mi · KY 115/sq mi679th of 724 in KY
Per capita income$19,531
2nd
WeaknessU.S. $44,673 · KY $35,821625th of 722 in KY
Median home value$50,500
1st
U.S. $332,700 · KY $205,600611th of 642 in KY
Work from home0%
1st
U.S. 15.1% · KY 10.2%573rd of 719 in KY
Diversity index1.7
1st
U.S. 61.4 · KY 32.5599th of 724 in KY
Foreign-born residents0%
1st
U.S. 14.1% · KY 4.7%470th of 724 in KY
Tech workers0%
1st
U.S. 3.8% · KY 2.2%405th of 719 in KY
Healthcare workers0%
1st
U.S. 9.7% · KY 10.5%636th of 719 in KY
Self-employed workers3.2%
1st
U.S. 10% · KY 8.6%557th of 719 in KY

Measure	40972	Clay	KY	U.S.	National percentile	Rank in KY
Rent-burdened rentersWeakness	100%	65.2%	45.4%	51.1%	99th	13th of 634
Housing vacancy	23.8%	15.9%	10.3%	10.1%	96th	118th of 719
Poverty rateWeakness	29%	32.4%	16.1%	12.5%	95th	154th of 722
Homeownership rateStrength	88.5%	76.4%	68.3%	65.2%	94th	159th of 719
Unemployment rateWeakness	7.2%	9.3%	4.9%	5.2%	81st	163rd of 719
Median age	43.7	40.2	39.1	38.9	80th	262nd of 724
Residents 65 and older	20.7%	16%	17.3%	17.2%	77th	228th of 724
Government workers	15.8%	25.3%	14.6%	14.5%	65th	318th of 719
Average commute	25.9 min	29.1 min	24 min	26.4 min	49th	329th of 624
Uninsured rate	5.7%	5.2%	6%	8.4%	40th	288th of 723
Broadband access	88.7%	83.9%	88.6%	91%	27th	287th of 719
Income inequality (Gini)	0.403	0.471	0.477	0.483	23rd	457th of 715
Veterans	3.6%	3.9%	6.5%	6.2%	21st	543rd of 724
Median earnings per workerWeakness	$37,692	$35,862	$43,552	$49,666	16th	450th of 700
Bachelor's degree or higherWeakness	14.7%	15.5%	27.6%	35.7%	9th	377th of 723
Residents under 18	15.6%	20.6%	22.6%	22%	9th	593rd of 724
Median household incomeWeakness	$41,250	$40,900	$63,726	$80,734	4th	521st of 641
Population	1,255	19,921	4,534,824	334,922,499	2nd	409th of 724
Population density	17/sq mi	42/sq mi	115/sq mi	95/sq mi	2nd	679th of 724
Per capita incomeWeakness	$19,531	$21,846	$35,821	$44,673	2nd	625th of 722
Median home value	$50,500	$90,700	$205,600	$332,700	1st	611th of 642
Work from home	0%	9.4%	10.2%	15.1%	1st	573rd of 719
Diversity index	1.7	16.5	32.5	61.4	1st	599th of 724
Foreign-born residents	0%	0.9%	4.7%	14.1%	1st	470th of 724
Tech workers	0%	0.6%	2.2%	3.8%	1st	405th of 719
Healthcare workers	0%	10.5%	10.5%	9.7%	1st	636th of 719
Self-employed workers	3.2%	8.5%	8.6%	10%	1st	557th 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

Under 5

13%

5–17

10%

18–24

17%

25–34

10%

35–44

13%

45–54

14%

55–64

17%

65–74

75+

Median age

43.7

Under 18

15.6%

65 and over

20.7%

Race and ethnicity

White99%
Black0%
Hispanic0.2%
Asian0.7%
Native American0%
Pacific Islander0%
Other0%
Multiracial0%

Diversity index

1.7

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

77.1%

Language spoken at home (households)

English only

99%

Spanish

Other Indo-European

0.8%

Asian / Pacific

Other

Households

Households: 488
Average household size: 2.5
Family households: 79.3%
Married couples: 62.3%
Living alone: 19.1%
Veterans (of adults): 3.6%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

35%

$25–50k

25%

$50–75k

22%

$75–100k

17%

$100–150k

$150–200k

$200k+

Median household income

40972

$41,250

Clay Co.

$40,900

Kentucky

$63,726

United States

$80,734

Per capita income

$19,531

U.S. $44,673

Poverty rate

29%

U.S. 12.5%

Households earning $150K+

U.S. 23%

Income inequality (Gini)

0.403

U.S. 0.483

Housing

Median home value

40972

$50,500

Clay Co.

$90,700

Kentucky

$205,600

United States

$332,700

Median gross rent

40972

—

Clay Co.

$724

Kentucky

$967

United States

$1,413

Types of housing

Single-family

44%

2–4 units

5–19 units

20+ units

Mobile home

50%

Boat, RV, van

Housing units: 640
Owner-occupied: 88.5%
Vacant: 23.8%
Median year built: 1983
Median rooms: 5.9
Renters paying 30%+ of income: 100%
Renters paying 50%+ of income: 100%
Home value to income: 1.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

68%

Carpooled

30%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

12%

10–19

28%

20–29

19%

30–44

26%

45–59

60+

10%

Average commute

25.9 min

U.S. 26.4 min

Unemployment

7.2%

U.S. 5.2%

In labor force

30.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

31%

Transportation and moving

31%

Education

13%

Sales

Food service

Construction and repair

Legal and social services

Police and fire

Business and finance

Computer and math

Engineering and science

Arts, media and sports

Healthcare

Cleaning and personal care

Office and admin

Farming, fishing and forestry

Production

Industries

Wholesale

24%

Restaurants and hotels

23%

Manufacturing

18%

Education

15%

Retail

Construction

Public administration

Agriculture and mining

Health care and social assistance

Professional and technical services

Finance, insurance and real estate

Transportation, warehousing and utilities

Admin, support and management

Other services

Information

Arts and recreation

Median earnings per worker

$37,692

U.S. $49,666

Self-employed

3.2%

U.S. 10%

Government workers

15.8%

U.S. 14.5%

Nonprofit workers

1.3%

U.S. 8.8%

Median earnings by type of work

Type of work	40972	U.S.
Management, business, science and arts	$39,038	$74,888
Service	$10,357	$26,804
Sales and office	—	$40,476
Construction and maintenance	—	$49,199
Production and transportation	—	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

21%

High school

26%

Some college

24%

Associate's

15%

Bachelor's

10%

Graduate

High school graduate or higher: 79.1%
Bachelor's degree or higher: 14.7%
Graduate or professional degree: 4.4%
Households with broadband: 88.7%
Cable, fiber or DSL: 68.4%
No internet access: 11.1%
Without health insurance: 5.7%
Limited-English households: 0%

Geography

City (USPS): Oneida
State: Kentucky
County: Clay County
Center point: 37.2405° N, 83.5879° W
Land area: 74 sq mi
Water area: 0.6 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

40972 spans 2 counties

Clay County99% of land
Leslie County1% of land

Cities and towns within this zip

Oneida (unincorporated)3% of zip

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

Zip codes near 40972

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
41762	Sizerock, KY	5.3 mi	101	—	—
40981	Saul, KY	6.2 mi	0	—	—
41351	Mistletoe, KY	6.6 mi	29	—	—
41714	Bear Branch, KY	7 mi	454	—	$131,800
41721	Buckhorn, KY	7.9 mi	390	—	—
40962	Manchester, KY	8.8 mi	17,310	$42,852	$103,000
41749	Hyden, KY	8.9 mi	2,411	$34,934	$80,300
41766	Thousandsticks, KY	8.9 mi	555	$20,522	$87,800
41364	Ricetown, KY	9.7 mi	160	$13,284	$12,500
40914	Big Creek, KY	10 mi	820	$26,502	$47,200
40983	Sextons Creek, KY	11 mi	241	$16,801	—
41745	Gays Creek, KY	11 mi	767	$30,667	$188,300

Questions about 40972

What city is zip code 40972?

40972 is assigned to Oneida, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 40972 in?

40972 is mostly in Clay County, but it extends into 1 other county.

What is the population of 40972?

About 1,255 people live in 40972, according to the Census Bureau's American Community Survey.

What time zone is 40972 in?

40972 is in Eastern Time.

What is the median household income in 40972?

The median household income in 40972 is $41,250.

What zip codes are near 40972?

The closest zip codes to 40972 are 41762, 40981, 41351, 41714, 41721.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 40972, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.