ZIP Code 41098 — Worthville city, KY Demographics & Data

ZIP code 41098 covers Worthville, KY in Owen County with a population of about 1,138.

At a glance, the area shows median age of 55.9 versus a U.S. median of about 38.9.

It sits in telephone area code 502; U.S. House district KY-4; the LOUISVILLE media market.

Worthville, KY fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 41098 is about $33,380 — about 56% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.0%; unemployment rate near 7.9%; 11.8% of adults with a bachelor’s degree or higher (about 21.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Transportation; about 0.9% of workers reporting work-from-home (about 14.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $73,100 — about 79% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $613 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 80.8% (about 15.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41098 in Worthville, KY, a household would need roughly $20,000 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 $470. That sits below the local median household income ($33,380), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Worthville city, KY as Very Low (composite score 15.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (30.9) and hurricane (13.2). 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 Worthville city, KY show little to no average snow and around 48.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 42 for ZIP 41098 (Worthville city, 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.