40823 ZIP Code
Cumberland, Kentucky
December 30, 2025
| ZIP Code: | 40823 |
| City/Town: | Cumberland |
| County: | Harlan |
| State: | Kentucky |
| ZIP Type: | Standard |
| Population: | 3,846 |
| Median Household Income: | $34,491 |
| Per Capita Income: | $23,773 |
| Total Housing Units: | 1,691 |
| Median Home Value: | $68,900 |
| Land Area: | 48.4 sq miles
125.5 sq km |
| Water Area: | 0.2 sq miles
0.5 sq km |
| Coordinates: | 36.9587, -82.9910 |
Population Information (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 3,846 | -- | -- |
| Male: | 1,784 | 46.4% | 49.6% |
| Female: | 2,062 | 53.6% | 50.4% |
| Median Age: | 35.2 yrs | -- | 38.5 yrs |
| Under 5 years: | 421 | 10.9% | 5.7% |
| 5 to 9 years: | 336 | 8.7% | 6.0% |
| 10 to 14 years: | 341 | 8.9% | 6.5% |
| 15 to 19 years: | 173 | 4.5% | 6.6% |
| 20 to 24 years: | 102 | 2.7% | 6.7% |
| 25 to 34 years: | 544 | 14.1% | 13.7% |
| 35 to 44 years: | 359 | 9.3% | 12.9% |
| 45 to 54 years: | 379 | 9.9% | 12.4% |
| 55 to 59 years: | 224 | 5.8% | 6.5% |
| 60 to 64 years: | 217 | 5.6% | 6.4% |
| 65 to 74 years: | 384 | 10.0% | 9.7% |
| 75 to 84 years: | 302 | 7.9% | 4.8% |
| 85 years and over: | 64 | 1.7% | 2.0% |
Housing Information (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $68,900 | -- | $281,900 |
| Median rooms: | 5.4 | -- | 5.5 |
| Median rent: | $532 / mo. | -- | $1,268 / mo. |
| Total housing units: | 1,691 | -- | -- |
| Occupied housing units: | 1,418 | 83.9% | 38.0% |
| Vacant housing units: | 273 | 16.1% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 821 | 57.9% | 64.8% |
| Renter-occupied: | 597 | 42.1% | 35.2% |
Educational Attainment (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 2,473 | -- | -- |
| Less than 9th grade: | 240 | 9.7% | 4.7% |
| 9th to 12th grade, no diploma: | 370 | 15.0% | 6.1% |
| High school graduate: | 802 | 32.4% | 26.4% |
| Some college, no degree: | 434 | 17.5% | 19.7% |
| Associate degree: | 343 | 13.9% | 8.7% |
| Bachelor's degree: | 156 | 6.3% | 20.9% |
| Graduate or professional degree: | 128 | 5.2% | 13.7% |
| Percent high school graduate or higher: | -- | 75.3% | 89.1% |
| Percent bachelor's degree or higher: | -- | 11.5% | 34.3% |
Income Information (40823 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $34,491 / yr. | $75,149 / yr. |
| Mean household income: | $46,251 / yr. | $105,833 / yr. |
| Median family income: | $39,914 / yr. | $92,646 / yr. |
| Per capita income: | $23,773 / yr. | $41,261 / yr. |
Employment (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 1,125 | -- | 63.5% |
| Employed: | 857 | 76.2% | 96.4% |
| Unemployed: | 268 | 23.8% | 5.3% |
| Not in labor force: | 1,593 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 677 | 79.0% | 79.7% |
| Government workers: | 164 | 19.1% | 14.2% |
| Self-employed: | 16 | 1.9% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 3,551 | 92.3% | 61.6% |
| Black or African American: | 62 | 1.6% | 12.4% |
| American Indian/Alaska Native: | 0 | 0.0% | 1.1% |
| Asian: | 4 | 0.1% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 0 | 0.0% | 8.4% |
| Two or more races: | 229 | 6.0% | 10.2% |
| Hispanic or Latino (any race): | 84 | 2.2% | 18.7% |
| Mexican: | 14 | 0.4% | 11.2% |
| Puerto Rican: | 0 | 0.0% | 1.8% |
| Cuban: | 14 | 0.4% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 0 | 0.0% | 81.1% |
Income Distribution (40823 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 127 | 9.0% | 4.9% |
| $10,000 to $14,999: | 141 | 9.9% | 3.8% |
| $15,000 to $24,999: | 310 | 21.9% | 7.0% |
| $25,000 to $34,999: | 153 | 10.8% | 7.4% |
| $35,000 to $49,999: | 212 | 15.0% | 10.7% |
| $50,000 to $74,999: | 248 | 17.5% | 16.1% |
| $75,000 to $99,999: | 113 | 8.0% | 12.8% |
| $100,000 to $149,999: | 56 | 3.9% | 17.1% |
| $150,000 to $199,999: | 52 | 3.7% | 8.8% |
| $200,000 or more: | 6 | 0.4% | 11.4% |
Commute to Work (40823 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 545 | 63.6% | 67.8% |
| Carpooled: | 178 | 20.8% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 41 | 4.8% | 2.5% |
| Other means: | 6 | 0.7% | 0.9% |
| Worked from home: | 72 | 8.4% | 13.8% |
| Mean travel time to work: | 18.2 min | -- | 26.7 min |
Industry (40823 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 60 | 7.0% | 1.6% |
| Construction: | 15 | 1.8% | 6.9% |
| Manufacturing: | 103 | 12.0% | 10.0% |
| Wholesale trade: | 3 | 0.4% | 2.4% |
| Retail trade: | 74 | 8.6% | 11.0% |
| Transportation, warehousing, utilities: | 27 | 3.2% | 5.8% |
| Information: | 0 | 0.0% | 1.9% |
| Finance, insurance, real estate: | 80 | 9.3% | 6.7% |
| Professional, scientific, management: | 8 | 0.9% | 12.1% |
| Education, health care, social services: | 278 | 32.4% | 23.3% |
| Arts, entertainment, food services: | 95 | 11.1% | 9.0% |
| Other services: | 80 | 9.3% | 4.7% |
| Public administration: | 34 | 4.0% | 4.7% |
Poverty Status (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 44.8% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 3,573 | 92.9% | 91.3% |
| Private health insurance: | 1,232 | 32.0% | 67.6% |
| Public health coverage: | 2,842 | 73.9% | 35.9% |
| Without health insurance: | 194 | 5.0% | 8.7% |
Benefits & Assistance (40823 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 765 | 53.9% | 77.4% |
| Social Security income: | 652 | 46.0% | 31.0% |
| Retirement income: | 421 | 29.7% | 21.8% |
| Supplemental Security Income (SSI): | 259 | 18.3% | 4.5% |
| Cash public assistance income: | 150 | 10.6% | 1.8% |
| SNAP (food stamps) benefits: | 468 | 33.0% | 11.4% |
Housing Types (40823 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 1,117 | 66.1% | 61.4% |
| 1-unit, attached: | 31 | 1.8% | 6.1% |
| 2 units: | 36 | 2.1% | 3.4% |
| 3 or 4 units: | 94 | 5.6% | 4.3% |
| 5 to 9 units: | 62 | 3.7% | 4.6% |
| 10 to 19 units: | 17 | 1.0% | 4.3% |
| 20 or more units: | 31 | 1.8% | 9.9% |
| Mobile home: | 303 | 17.9% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (40823 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 44 | 2.6% | 8.2% |
| Built 2000 to 2009: | 104 | 6.2% | 13.5% |
| Built 1990 to 1999: | 153 | 9.0% | 13.2% |
| Built 1980 to 1989: | 272 | 16.1% | 13.2% |
| Built 1970 to 1979: | 332 | 19.6% | 14.6% |
| Built 1960 to 1969: | 185 | 10.9% | 10.2% |
| Built 1950 to 1959: | 273 | 16.1% | 9.9% |
| Built 1940 to 1949: | 205 | 12.1% | 4.6% |
| Built 1939 or earlier: | 123 | 7.3% | 12.0% |
Bedrooms (40823 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 141 | 8.3% | 2.4% |
| 1 bedroom: | 85 | 5.0% | 3.0% |
| 2 bedrooms: | 413 | 24.4% | 9.1% |
| 3 bedrooms: | 773 | 45.7% | 15.9% |
| 4 bedrooms: | 234 | 13.8% | 18.8% |
| 5 or more bedrooms: | 45 | 2.7% | 17.6% |
Heating Fuel (40823 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 43 | 3.0% | 47.1% |
| Bottled, tank, or LP gas: | 102 | 7.2% | 4.9% |
| Electricity: | 1,175 | 82.9% | 40.2% |
| Fuel oil, kerosene, etc.: | 12 | 0.8% | 4.2% |
| Coal or coke: | 82 | 5.8% | 0.1% |
| Wood: | 0 | 0.0% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 4 | 0.3% | 0.2% |
Vehicles Available (40823 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 186 | 13.1% | 8.3% |
| 1 vehicle available: | 553 | 39.0% | 32.6% |
| 2 vehicles available: | 404 | 28.5% | 37.0% |
| 3 or more vehicles available: | 275 | 19.4% | 22.1% |
Home Value Distribution (40823 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 227 | 27.6% | 5.7% |
| $50,000 to $99,999: | 289 | 35.2% | 7.8% |
| $100,000 to $149,999: | 141 | 17.2% | 9.2% |
| $150,000 to $199,999: | 43 | 5.2% | 10.8% |
| $200,000 to $299,999: | 84 | 10.2% | 19.9% |
| $300,000 to $499,999: | 37 | 4.5% | 24.1% |
| $500,000 to $999,999: | 0 | 0.0% | 17.0% |
| $1,000,000 or more: | 0 | 0.0% | 5.6% |
Housing Costs (40823 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $902 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $362 / mo. | $584 / mo. |
| Median gross rent: | $532 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.38 | 2.53 |
| Average household size (renter-occupied): | 3.03 | 2.38 |
Households (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 1,418 | -- | -- |
| Married-couple households: | 566 | 39.9% | 47.5% |
| Cohabiting couple households: | 190 | 13.4% | 7.0% |
| Male householder, no spouse: | 244 | 17.2% | 5.4% |
| Female householder, no spouse: | 539 | 38.0% | 12.7% |
| Householder living alone: | 460 | 32.4% | 28.6% |
| 65 years and over living alone: | 492 | 34.7% | 11.8% |
| Average household size: | 2.66 | -- | 2.53 |
| Average family size: | 3.44 | -- | -- |
Marital Status (40823 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 1,177 | -- | -- |
| Never married: | 295 | 25.1% | 37.0% |
| Now married: | 603 | 51.2% | 49.5% |
| Separated: | 39 | 3.3% | 1.5% |
| Widowed: | 232 | 19.7% | 2.6% |
| Divorced: | 429 | 36.4% | 9.3% |
School Enrollment (40823 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 941 | -- | -- |
| Nursery school, preschool: | 94 | 10.0% | 5.8% |
| Kindergarten: | 47 | 5.0% | 5.0% |
| Elementary school (grades 1-8): | 598 | 63.5% | 40.5% |
| High school (grades 9-12): | 115 | 12.2% | 21.4% |
| College or graduate school: | 87 | 9.2% | 27.3% |
Veterans & Disability (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 2,644 | -- | -- |
| Veterans: | 215 | 8.1% | 6.3% |
| Civilian noninstitutionalized population: | 3,767 | -- | -- |
| With a disability: | 1,117 | 29.7% | 13.4% |
| Under 18 with disability: | 154 | 13.8% | 5.8% |
| 18 to 64 with disability: | 639 | 57.2% | 10.4% |
| 65 and over with disability: | 324 | 29.0% | 33.4% |
Mobility (Residence 1 Year Ago) (40823 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 3,165 | 82.3% | 86.9% |
| Different house: | 638 | 16.6% | 13.1% |
| Same county: | 539 | 84.5% | 7.0% |
| Different county: | 99 | 15.5% | 3.2% |
| Different state: | 34 | 5.3% | 2.5% |
| Abroad: | 0 | 0.0% | 0.4% |
Place of Birth (40823 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 3,842 | 99.9% | 86.2% |
| Foreign born: | 0 | 0.0% | 13.9% |
| Naturalized citizen: | 4 | -- | 52.7% |
| Not a citizen: | 4 | -- | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 4 | -- | 10.5% |
| Asia: | 0 | -- | 31.3% |
| Africa: | 0 | -- | 5.5% |
| Oceania: | 0 | -- | 0.5% |
| Latin America: | 0 | -- | 50.0% |
| Northern America: | 0 | -- | 2.2% |
Language Spoken at Home (40823 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 3,425 | -- | -- |
| English only: | 3,382 | 98.7% | 78.3% |
| Language other than English: | 43 | 1.3% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 25 | 0.7% | 13.3% |
| Other Indo-European languages: | 0 | 0.0% | 3.5% |
| Asian/Pacific Island languages: | 18 | 0.5% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (40823 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 1,418 | 100.0% | 93.1% |
| Households with broadband internet: | 1,328 | 93.7% | 89.4% |
Cumberland, KY40823