ZIP Code 41264 — undefined, KY Demographics & Data

ZIP code 41264 covers KY in Lawrence County with a population of about 722.

At a glance, the area shows median age of 44.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 41264 is about $63,981 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 9.0%; 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 Construction, Transportation, and Administrative support; about 36.1% of workers reporting work-from-home (about 20.9 points above the U.S. share (15.2%)); a mean commute of about 78.0 minutes (U.S. average near 26.8).

Median home value is about $115,000 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.0% (about 26.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41264 in KY, a household would need roughly $32,000 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 $739. That sits below the local median household income ($63,981), 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 KY as Relatively Low (composite score 53.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (73.0) and wildfire (67.0). 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 46.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 41264 (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.