ZIP Code 40965 Demographics

Bell County, Kentucky  ·  ACS 2022 5-Year Estimates

ACS 2022 Data

Population & Income Overview

Key statistics for ZIP code 40965 compared to county averages.

Total Population

11,635

↓ 52.0% vs county

Median HH Income

$30,000

↓ 10.9% vs county

Median Home Value

$82,700

↑ +7.8% vs county

Median Age

41.5 yrs

↓ 0.0% vs county

Unemployment Rate

10.6%

↓ +6.2% vs county

Income & Housing Comparison

How ZIP 40965 compares to Bell County and Kentucky overall. Data from ACS 2022 5-year estimates.

Median Household Income ZIP 40965 $30k Bell $34k Kentucky $60k

Source: ACS 2022 5-Year Estimates, Table B19013

Median Home Value ZIP 40965 $83k Bell $77k Kentucky $177k

Source: ACS 2022 5-Year Estimates, Table B25077

Education & Employment

Bachelor's Rate

7.9%

of adults 25+ hold a bachelor's degree or higher

Owner Occupancy

57.7%

of occupied housing units are owner-occupied

Median Gross Rent

$611

per month including utilities

Rent vs. Buy Affordability

Compare estimated monthly costs of home ownership vs renting in ZIP Code 40965 using local Census metrics.

Median Home Value$82,700
Down Payment (20%)$16,540
Interest Rate6.5%
Loan Term

Estimated Monthly Costs

Buy (Mortgage, Tax, Ins.)
$525P&I: $418 | Tax: $83 | Ins: $24
Rent (Local Median)
$611
Buying is CheaperBuying a home is estimated to save you $86/month compared to local rents.

How Does 40965 Compare?

Enter another ZIP code to see a side-by-side comparison.

Location & Neighboring Areas

Interactive map showing ZIP code 40965 (blue pin) and surrounding areas (purple pins). Click pins to view details.

Nearby ZIP Codes

ZIP codes geographically closest to 40965, sorted by distance.

40977 5.7 mi away bell county 40995 10.3 mi away knox county 37851 11.1 mi away claiborne county 40763 12.1 mi away whitley county 40939 12.2 mi away bell county 40940 13.0 mi away whitley county 40903 13.3 mi away knox county 40921 13.9 mi away knox county

About Bell County

Bell County is located in Kentucky and has a total population of 24,248. The county's median household income is $33,658 and median home value is $76,700. ZIP code 40965 is one of many ZCTAs within this county.

View all ZIP codes in Bell County

Data source: American Community Survey (ACS) 2022 5-Year Estimates, U.S. Census Bureau. ZCTAs (ZIP Code Tabulation Areas) are used as proxies for USPS ZIP codes. Some USPS ZIP codes may not have a corresponding ZCTA.