ZIP Code 40845 — undefined, KY Demographics & Data

ZIP code 40845 covers KY in Bell County with a population of about 639.

At a glance, the area shows median age of 51.0 versus a U.S. median of about 38.9.

It sits in telephone area code 606; U.S. House district KY-5; the KNOXVILLE media market.

Median household income in ZIP 40845 is about $23,003 — about 69% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 46.2%; unemployment rate near 5.5%; 1.2% of adults with a bachelor’s degree or higher (about 32.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Manufacturing, and Mining; a mean commute of about 103.0 minutes (U.S. average near 26.8).

Median home value is about $98,600 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $415 (about 64% below the U.S. median rent ($1,163)), and owner-occupancy near 48.1% (about 17.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40845 in KY, a household would need roughly $27,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $633. That is about 17% above the local median household income ($23,003), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for KY as Relatively Low (composite score 68.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (82.0) and wildfire (73.3). 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 KY show little to no average snow and around 52.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 24 for ZIP 40845 (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.