40965 ZIP Code
Middlesboro, Kentucky
December 30, 2025
| ZIP Code: | 40965 |
| City/Town: | Middlesboro |
| County: | Bell |
| State: | Kentucky |
| ZIP Type: | Standard |
| Population: | 11,635 |
| Median Household Income: | $30,000 |
| Per Capita Income: | $24,944 |
| Total Housing Units: | 5,964 |
| Median Home Value: | $82,700 |
| Land Area: | 86.3 sq miles
223.5 sq km |
| Water Area: | 0.5 sq miles
1.3 sq km |
| Coordinates: | 36.6200, -83.7318 |
Population Information (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 11,635 | -- | -- |
| Male: | 5,724 | 49.2% | 49.6% |
| Female: | 5,911 | 50.8% | 50.4% |
| Median Age: | 41.5 yrs | -- | 38.5 yrs |
| Under 5 years: | 623 | 5.4% | 5.7% |
| 5 to 9 years: | 838 | 7.2% | 6.0% |
| 10 to 14 years: | 743 | 6.4% | 6.5% |
| 15 to 19 years: | 594 | 5.1% | 6.6% |
| 20 to 24 years: | 716 | 6.2% | 6.7% |
| 25 to 34 years: | 1,518 | 13.0% | 13.7% |
| 35 to 44 years: | 1,309 | 11.3% | 12.9% |
| 45 to 54 years: | 1,266 | 10.9% | 12.4% |
| 55 to 59 years: | 1,044 | 9.0% | 6.5% |
| 60 to 64 years: | 662 | 5.7% | 6.4% |
| 65 to 74 years: | 1,192 | 10.2% | 9.7% |
| 75 to 84 years: | 710 | 6.1% | 4.8% |
| 85 years and over: | 420 | 3.6% | 2.0% |
Housing Information (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $82,700 | -- | $281,900 |
| Median rooms: | 5.2 | -- | 5.5 |
| Median rent: | $611 / mo. | -- | $1,268 / mo. |
| Total housing units: | 5,964 | -- | -- |
| Occupied housing units: | 4,906 | 82.3% | 38.0% |
| Vacant housing units: | 1,058 | 17.7% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 2,829 | 57.7% | 64.8% |
| Renter-occupied: | 2,077 | 42.3% | 35.2% |
Educational Attainment (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 8,121 | -- | -- |
| Less than 9th grade: | 622 | 7.7% | 4.7% |
| 9th to 12th grade, no diploma: | 1,065 | 13.1% | 6.1% |
| High school graduate: | 2,902 | 35.7% | 26.4% |
| Some college, no degree: | 1,777 | 21.9% | 19.7% |
| Associate degree: | 749 | 9.2% | 8.7% |
| Bachelor's degree: | 643 | 7.9% | 20.9% |
| Graduate or professional degree: | 363 | 4.5% | 13.7% |
| Percent high school graduate or higher: | -- | 79.2% | 89.1% |
| Percent bachelor's degree or higher: | -- | 12.4% | 34.3% |
Income Information (40965 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $30,000 / yr. | $75,149 / yr. |
| Mean household income: | $45,078 / yr. | $105,833 / yr. |
| Median family income: | $44,605 / yr. | $92,646 / yr. |
| Per capita income: | $24,944 / yr. | $41,261 / yr. |
Employment (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 3,915 | -- | 63.5% |
| Employed: | 3,501 | 89.4% | 96.4% |
| Unemployed: | 414 | 10.6% | 5.3% |
| Not in labor force: | 5,454 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 2,566 | 73.3% | 79.7% |
| Government workers: | 713 | 20.4% | 14.2% |
| Self-employed: | 222 | 6.3% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 10,848 | 93.2% | 61.6% |
| Black or African American: | 325 | 2.8% | 12.4% |
| American Indian/Alaska Native: | 15 | 0.1% | 1.1% |
| Asian: | 28 | 0.2% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 20 | 0.2% | 8.4% |
| Two or more races: | 399 | 3.4% | 10.2% |
| Hispanic or Latino (any race): | 87 | 0.7% | 18.7% |
| Mexican: | 250 | 2.1% | 11.2% |
| Puerto Rican: | 50 | 0.4% | 1.8% |
| Cuban: | 93 | 0.8% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 107 | 0.9% | 81.1% |
Income Distribution (40965 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 670 | 13.7% | 4.9% |
| $10,000 to $14,999: | 555 | 11.3% | 3.8% |
| $15,000 to $24,999: | 822 | 16.8% | 7.0% |
| $25,000 to $34,999: | 615 | 12.5% | 7.4% |
| $35,000 to $49,999: | 624 | 12.7% | 10.7% |
| $50,000 to $74,999: | 842 | 17.2% | 16.1% |
| $75,000 to $99,999: | 328 | 6.7% | 12.8% |
| $100,000 to $149,999: | 339 | 6.9% | 17.1% |
| $150,000 to $199,999: | 64 | 1.3% | 8.8% |
| $200,000 or more: | 47 | 1.0% | 11.4% |
Commute to Work (40965 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 2,134 | 61.0% | 67.8% |
| Carpooled: | 795 | 22.7% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 100 | 2.9% | 2.5% |
| Other means: | 9 | 0.3% | 0.9% |
| Worked from home: | 179 | 5.1% | 13.8% |
| Mean travel time to work: | 18.5 min | -- | 26.7 min |
Industry (40965 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 120 | 3.4% | 1.6% |
| Construction: | 97 | 2.8% | 6.9% |
| Manufacturing: | 375 | 10.7% | 10.0% |
| Wholesale trade: | 48 | 1.4% | 2.4% |
| Retail trade: | 491 | 14.0% | 11.0% |
| Transportation, warehousing, utilities: | 128 | 3.7% | 5.8% |
| Information: | 34 | 1.0% | 1.9% |
| Finance, insurance, real estate: | 129 | 3.7% | 6.7% |
| Professional, scientific, management: | 267 | 7.6% | 12.1% |
| Education, health care, social services: | 1,118 | 31.9% | 23.3% |
| Arts, entertainment, food services: | 342 | 9.8% | 9.0% |
| Other services: | 135 | 3.9% | 4.7% |
| Public administration: | 217 | 6.2% | 4.7% |
Poverty Status (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 29.9% | 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 (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 10,934 | 94.0% | 91.3% |
| Private health insurance: | 4,525 | 38.9% | 67.6% |
| Public health coverage: | 8,116 | 69.8% | 35.9% |
| Without health insurance: | 596 | 5.1% | 8.7% |
Benefits & Assistance (40965 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 2,713 | 55.3% | 77.4% |
| Social Security income: | 2,528 | 51.5% | 31.0% |
| Retirement income: | 1,239 | 25.3% | 21.8% |
| Supplemental Security Income (SSI): | 685 | 14.0% | 4.5% |
| Cash public assistance income: | 526 | 10.7% | 1.8% |
| SNAP (food stamps) benefits: | 1,243 | 25.3% | 11.4% |
Housing Types (40965 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,696 | 62.0% | 61.4% |
| 1-unit, attached: | 25 | 0.4% | 6.1% |
| 2 units: | 221 | 3.7% | 3.4% |
| 3 or 4 units: | 419 | 7.0% | 4.3% |
| 5 to 9 units: | 363 | 6.1% | 4.6% |
| 10 to 19 units: | 50 | 0.8% | 4.3% |
| 20 or more units: | 135 | 2.3% | 9.9% |
| Mobile home: | 1,055 | 17.7% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (40965 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 22 | 0.4% | 0.6% |
| Built 2010 to 2019: | 192 | 3.2% | 8.2% |
| Built 2000 to 2009: | 807 | 13.5% | 13.5% |
| Built 1990 to 1999: | 547 | 9.2% | 13.2% |
| Built 1980 to 1989: | 883 | 14.8% | 13.2% |
| Built 1970 to 1979: | 987 | 16.5% | 14.6% |
| Built 1960 to 1969: | 884 | 14.8% | 10.2% |
| Built 1950 to 1959: | 900 | 15.1% | 9.9% |
| Built 1940 to 1949: | 252 | 4.2% | 4.6% |
| Built 1939 or earlier: | 490 | 8.2% | 12.0% |
Bedrooms (40965 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 267 | 4.5% | 2.4% |
| 1 bedroom: | 369 | 6.2% | 3.0% |
| 2 bedrooms: | 2,330 | 39.1% | 9.1% |
| 3 bedrooms: | 2,356 | 39.5% | 15.9% |
| 4 bedrooms: | 454 | 7.6% | 18.8% |
| 5 or more bedrooms: | 188 | 3.2% | 17.6% |
Heating Fuel (40965 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 792 | 16.1% | 47.1% |
| Bottled, tank, or LP gas: | 55 | 1.1% | 4.9% |
| Electricity: | 3,843 | 78.3% | 40.2% |
| Fuel oil, kerosene, etc.: | 40 | 0.8% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 155 | 3.2% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 21 | 0.4% | 0.2% |
Vehicles Available (40965 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 431 | 8.8% | 8.3% |
| 1 vehicle available: | 2,352 | 47.9% | 32.6% |
| 2 vehicles available: | 1,332 | 27.2% | 37.0% |
| 3 or more vehicles available: | 791 | 16.1% | 22.1% |
Home Value Distribution (40965 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 531 | 18.8% | 5.7% |
| $50,000 to $99,999: | 1,102 | 39.0% | 7.8% |
| $100,000 to $149,999: | 324 | 11.5% | 9.2% |
| $150,000 to $199,999: | 515 | 18.2% | 10.8% |
| $200,000 to $299,999: | 218 | 7.7% | 19.9% |
| $300,000 to $499,999: | 76 | 2.7% | 24.1% |
| $500,000 to $999,999: | 35 | 1.2% | 17.0% |
| $1,000,000 or more: | 28 | 1.0% | 5.6% |
Housing Costs (40965 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,076 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $320 / mo. | $584 / mo. |
| Median gross rent: | $611 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.36 | 2.53 |
| Average household size (renter-occupied): | 2.30 | 2.38 |
Households (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 4,906 | -- | -- |
| Married-couple households: | 1,674 | 34.1% | 47.5% |
| Cohabiting couple households: | 645 | 13.1% | 7.0% |
| Male householder, no spouse: | 1,234 | 25.2% | 5.4% |
| Female householder, no spouse: | 1,788 | 36.4% | 12.7% |
| Householder living alone: | 1,244 | 25.4% | 28.6% |
| 65 years and over living alone: | 1,838 | 37.5% | 11.8% |
| Average household size: | 2.34 | -- | 2.53 |
| Average family size: | 3.03 | -- | -- |
Marital Status (40965 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,338 | -- | -- |
| Never married: | 1,447 | 33.4% | 37.0% |
| Now married: | 1,780 | 41.0% | 49.5% |
| Separated: | 394 | 9.1% | 1.5% |
| Widowed: | 693 | 16.0% | 2.6% |
| Divorced: | 1,394 | 32.1% | 9.3% |
School Enrollment (40965 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,609 | -- | -- |
| Nursery school, preschool: | 177 | 6.8% | 5.8% |
| Kindergarten: | 267 | 10.2% | 5.0% |
| Elementary school (grades 1-8): | 1,129 | 43.3% | 40.5% |
| High school (grades 9-12): | 594 | 22.8% | 21.4% |
| College or graduate school: | 442 | 16.9% | 27.3% |
Veterans & Disability (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 9,064 | -- | -- |
| Veterans: | 399 | 4.4% | 6.3% |
| Civilian noninstitutionalized population: | 11,530 | -- | -- |
| With a disability: | 3,129 | 27.1% | 13.4% |
| Under 18 with disability: | 262 | 8.4% | 5.8% |
| 18 to 64 with disability: | 1,754 | 56.1% | 10.4% |
| 65 and over with disability: | 1,113 | 35.6% | 33.4% |
Mobility (Residence 1 Year Ago) (40965 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 10,463 | 89.9% | 86.9% |
| Different house: | 1,061 | 9.1% | 13.1% |
| Same county: | 584 | 55.0% | 7.0% |
| Different county: | 453 | 42.7% | 3.2% |
| Different state: | 123 | 11.6% | 2.5% |
| Abroad: | 24 | 2.3% | 0.4% |
Place of Birth (40965 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 11,611 | 99.8% | 86.2% |
| Foreign born: | 10 | 0.1% | 13.9% |
| Naturalized citizen: | 24 | 240.0% | 52.7% |
| Not a citizen: | 24 | 240.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 24 | 240.0% | 10.5% |
| Asia: | 0 | 0.0% | 31.3% |
| Africa: | 1 | 10.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 0 | 0.0% | 50.0% |
| Northern America: | 0 | 0.0% | 2.2% |
Language Spoken at Home (40965 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 11,012 | -- | -- |
| English only: | 10,957 | 99.5% | 78.3% |
| Language other than English: | 55 | 0.5% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 0 | 0.0% | 13.3% |
| Other Indo-European languages: | 32 | 0.3% | 3.5% |
| Asian/Pacific Island languages: | 23 | 0.2% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (40965 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 4,906 | 100.0% | 93.1% |
| Households with broadband internet: | 3,983 | 81.2% | 89.4% |
Middlesboro, KY40965