ZIP Code 41647 — McDowell CDP, KY Demographics & Data

ZIP code 41647 covers McDowell, KY in Floyd County with a population of about 1,105.

At a glance, the area shows median age of 52.5 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 41647 is about $36,433 — about 52% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.1%; unemployment rate near 19.1%; 14.0% of adults with a bachelor’s degree or higher (about 19.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Healthcare; about 0.5% of workers reporting work-from-home (about 14.8 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 $74,300 — about 79% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.3% (about 21.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41647 in McDowell, 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 $477. That sits below the local median household income ($36,433), 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 McDowell CDP, KY as Relatively Moderate (composite score 94.2), which is among the highest nationally. The strongest component scores on US5 are flood (97.8) and wildfire (86.3). 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 McDowell CDP, KY show little to no average snow.

IRS migration statistics show a net inflow of about 41 for ZIP 41647 (McDowell 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.