ZIP Code 40121 — Fort Knox CDP, KY Demographics & Data

ZIP code 40121 covers Fort Knox, KY in Hardin County with a population of about 8,715.

At a glance, the area shows median age of 24.3 versus a U.S. median of about 38.9.

It sits in telephone area code 502; U.S. House district KY-2; the LOUISVILLE media market.

Fort Knox, KY reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.9%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 40121 is about $74,224 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 10.4%; 42.1% of adults with a bachelor’s degree or higher (about 8.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Public administration, and Healthcare; about 3.4% of workers reporting work-from-home (about 11.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Housing tenure and rents show median gross rent around $1,218 (about 5% above the U.S. median rent ($1,163)), and owner-occupancy near 0.7% (about 64.7 points below the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Fort Knox CDP, KY as Relatively Low (composite score 75.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (73.7) and hurricane (40.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fort Knox CDP, KY show little to no average snow and around 53.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 325 for ZIP 40121 (Fort Knox CDP, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.