ZIP Code 42458 — Spottsville CDP, KY Demographics & Data

ZIP code 42458 covers Spottsville, KY in Henderson County with a population of about 906.

At a glance, the area shows median age of 52.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 270, 364; U.S. House district KY-1; the EVANSVILLE media market.

Spottsville, KY fits a retirement-oriented profile (high share of residents 65+ (40.0%)). 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 42458 is about $57,567 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.6%; unemployment rate near 4.2%; 20.3% of adults with a bachelor’s degree or higher (about 13.4 points below the national share (33.7%)).

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

Median home value is about $193,500 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.1% (about 31.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42458 in Spottsville, KY, a household would need roughly $53,000 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 $1,243. That is roughly in line with the local median household income ($57,567). 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 Spottsville CDP, KY as Relatively Low (composite score 73.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (74.9) and hurricane (29.2). 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 Spottsville CDP, KY show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 42458 (Spottsville 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.