ZIP Code 41265 — Van Lear CDP, KY Demographics & Data

ZIP code 41265 covers Van Lear, KY in Johnson County with a population of about 1,114.

At a glance, the area shows median age of 43.8 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 41265 is about $34,342 — about 54% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.3%; unemployment rate near 0.0%; 32.5% of adults with a bachelor’s degree or higher (about 1.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Manufacturing; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $160,800 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $610 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 82.8% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41265 in Van Lear, KY, a household would need roughly $44,000 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 $1,033. That is about 28% above the local median household income ($34,342), 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 Van Lear CDP, KY as Relatively Low (composite score 71.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.2) and wildfire (76.3). 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 Van Lear CDP, KY show little to no average snow and around 46.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 42 for ZIP 41265 (Van Lear 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.