40823 Zip Code (Cumberland, KY) Detailed Profile

Estimated zip code population in 2022: 3,854
Zip code population in 2010: 4,231
Zip code population in 2000: 4,483

Houses and condos: 1,711
Renter-occupied apartments: 604
March 2022 cost of living index in zip code 40823: 76.3 (low, U.S. average is 100)

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

Population density: 66 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $808 (0.9%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $705 (1.0%)

For population 25 years and over in 40823:

• High school or higher: 75.2%
• Bachelor's degree or higher: 12.1%
• Graduate or professional degree: 5.5%
• Unemployed: 19.8%
• Mean travel time to work (commute): 18.3 minutes

For population 15 years and over in 40823:

• Never married: 25.8%
• Now married: 46.1%
• Separated: 2.4%
• Widowed: 9.3%
• Divorced: 16.4%

• 
• • 3,54492.0%White
  • 2295.9%Two or more races
  • 621.6%Black
  • 140.4%Hispanic or Latino
  • 40.1%Asian

Urban population: 2,399
Rural population: 1,454

Averages for the 2020 tax year for zip code 40823, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $35,406 (Individual Income Tax Returns)

Here:	$35,406
State:	$61,342

Salary/wage: $31,046 (reported on 75.5% of returns)

Here:	$31,046
State:	$50,827

(% of AGI for various income ranges: 929.2% for AGIs below $25k, 3008.5% for AGIs $25k-50k, 5611.1% for AGIs $50k-75k, 8847.5% for AGIs $75k-100k, 14427.5% for AGIs $100k-200k)

Taxable interest for individuals: $944 (reported on 17.0% of returns)

This zip code:	$944
Kentucky:	$1,441

(% of AGI for various income ranges: 8.1% for AGIs below $25k, 27.0% for AGIs $25k-50k, 23.3% for AGIs $50k-75k, 140.0% for AGIs $75k-100k)

Ordinary dividends: $1,100 (reported on 3.8% of returns)

Here:	$1,100
State:	$7,388

(% of AGI for various income ranges: 4.4% for AGIs below $25k, 57.5% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$2,167 (reported on 2.8% of returns)

Here:	+$2,167
State:	+$19,475

(% of AGI for various income ranges: 32.5% for AGIs $25k-50k)

Profit/loss from business: +$6,929 (reported on 13.2% of returns)

Here:	+$6,929
State:	+$11,386

(% of AGI for various income ranges: 172.7% for AGIs below $25k, 70.5% for AGIs $25k-50k)

Taxable individual retirement arrangement distribution: $12,150 (reported on 3.8% of returns)

40823:	$12,150
Kentucky:	$18,941

(% of AGI for various income ranges: 243.0% for AGIs $25k-50k)

Earned income credit: $2,681 (reported on 34.9% of returns)

Here:	$2,681
State:	$2,336

(% of AGI for various income ranges: 161.7% for AGIs below $25k, 108.0% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 98.1%

Here:	98%
State:	94%

(% for various income ranges: 96.5% for AGIs below $25k, 100.0% for AGIs $25k-50k, 100.0% for AGIs $50k-75k, 100.0% for AGIs $75k-100k, 100.0% for AGIs $100k-200k)

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

No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 492
Household did not receive Food Stamps/SNAP in the past 12 months: 979

Women who had a birth in the past 12 months: 16 (10 now married, 6 unmarried)
Women who did not have a birth in the past 12 months: 752 (297 now married, 454 unmarried)

Housing units in zip code 40823 with a mortgage: 227 (27 second mortgage, 24 both second mortgage and home equity loan)
Houses without a mortgage: 3

Median monthly owner costs for units with a mortgage: $883
Median monthly owner costs for units without a mortgage: $366

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 40823 household income distribution in 2022

• 145Less than $10,000
• 152$10,000 to $14,999
• 201$15,000 to $19,999
• 110$20,000 to $24,999
• 38$25,000 to $29,999
• 120$30,000 to $34,999
• 100$35,000 to $39,999
• 89$40,000 to $44,999
• 33$45,000 to $49,999
• 129$50,000 to $59,999
• 128$60,000 to $74,999
• 114$75,000 to $99,999
• 16$100,000 to $124,999
• 40$125,000 to $149,999
• 52$150,000 to $199,999
• 6$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 40823

• 25Less than $10,000
• 24$10,000 to $14,999
• 41$15,000 to $19,999
• 15$20,000 to $24,999
• 4$25,000 to $29,999
• 17$30,000 to $34,999
• 10$35,000 to $39,999
• 88$40,000 to $49,999
• 103$50,000 to $59,999
• 70$60,000 to $69,999
• 43$70,000 to $79,999
• 45$80,000 to $89,999
• 6$90,000 to $99,999
• 48$100,000 to $124,999
• 68$125,000 to $149,999
• 25$150,000 to $174,999
• 18$175,000 to $199,999
• 19$200,000 to $249,999
• 75$250,000 to $299,999
• 42$300,000 to $399,999
• 5$400,000 to $499,999

• Rent paid by renters in 2022 in zip code 40823

• 5Less than $100
• 8$150 to $199
• 78$200 to $249
• 68$250 to $299
• 36$300 to $349
• 30$350 to $399
• 25$400 to $449
• 26$450 to $499
• 100$500 to $549
• 30$550 to $599
• 15$650 to $699
• 3$1,000 to $1,249
• 164No cash rent

Median gross rent in 2022: $526.

Median price asked for vacant for-sale houses and condos in 2022: $1,748,487.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $83,932
• Black or African American householders: $48,570
• Two or more races householders: $146,322
• Hispanic or Latino householders: $138,803

Estimated median house or condo value in 2022: $76,413 Lower value quartile - upper value quartile: $51,319 - $153,191

Mean price in 2022:

Detached houses: $123,141

Here:	$123,141
State:	$256,452

Mobile homes: $43,636

Here:	$43,636
State:	$84,635

Housing units in structures:

• One, detached: 1,120
• One, attached: 33
• Two: 35
• 3 or 4: 95
• 5 to 9: 64
• 10 to 19: 17
• 20 to 49: 31
• Mobile homes: 305

Unemployment: 19.8%

• Means of transportation to work in zip code 40823

• 62.3%535Drove a car alone
• 22.8%196Carpooled
• 4.5%39Walked
• 0.7%6Other means
• 11.2%96Worked at home

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

• 118Less than 5 minutes
• 1125 to 9 minutes
• 14010 to 14 minutes
• 12015 to 19 minutes
• 1820 to 24 minutes
• 10125 to 29 minutes
• 4730 to 34 minutes
• 335 to 39 minutes
• 1940 to 44 minutes
• 3045 to 59 minutes
• 5060 to 89 minutes

Percentage of zip code residents living and working in this county: 90.1%

Household type by relationship:

Households: 3,854

• Male householders: 442 (189 living alone), Female householders: 1,040 (331 living alone)

• 545 spouses (525 opposite-sex spouses), 76 unmarried partners, (76 opposite-sex unmarried partners), 1,152 children (1,110 natural, 38 adopted, 6 stepchildren), 198 grandchildren, 6 brothers or sisters, 72 parents, 0 foster children, 145 other relatives, 94 non-relatives

• In group quarters: 77 (-1 institutionalized population)

Size of family households: 355 2-persons, 200 3-persons, 181 4-persons, 61 5-persons, 108 6-persons, 5 7-or-more-persons

Size of nonfamily households: 519 1-person, 36 2-persons

594 married couples with children.
362 single-parent households (10 men, 352 women).

99.0% of residents of 40823 zip code speak English at home.
0.7% of residents speak Spanish at home (100% very well).
0.5% of residents speak Asian or Pacific Island language at home (82% very well, 18% not 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: 5.7%
Housing units lacking complete kitchen facilities: 3.1%

Population in 1990: 6,601.

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

• This state: 3,111
• Northeast: 10
• Midwest: 176
• South: 507
• West: 20

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.

85% of the 40823 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 77% moved from this county.
   Out of people who lived in different houses, 11% moved from different county within same state.
   Out of people who lived in different houses, 6% moved from different state.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 17
Students in private schools in grades 9 to 12 (high school): 45 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)

2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents

According to the data from the years 2002 - 2018 the average number of fire incidents per year is 12. The highest number of reported fires - 45 took place in 2016, and the least - 0 in 2005. The data has a rising trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (40.4%), and Outside Fires (35.4%).


• Fire incident types reported to NFIRS in Zip Code 40823
• 8040.4%Structure Fires
• 7035.4%Outside Fires
• 2512.6%Mobile Property/Vehicle Fires
• 2311.6%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 40823, Kentucky

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