ZIP Code 41538 — undefined, KY Demographics & Data

ZIP code 41538 covers KY in Pike County with a population of about 350.

At a glance, the area shows median age of 62.3 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.

KY fits a retirement-oriented profile (high share of residents 65+ (40.6%)). 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 41538 is about $83,906 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 10.9%; 7.8% of adults with a bachelor’s degree or higher (about 25.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Healthcare, and Wholesale trade; a mean commute of about 90.0 minutes (U.S. average near 26.8).

Median home value is about $146,200 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.3% (about 16.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41538 in KY, a household would need roughly $40,000 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 $939. That sits below the local median household income ($83,906), 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 Moderate (composite score 87.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (94.0) and wildfire (90.1). 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 49.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 13 for ZIP 41538 (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.