ZIP Code 42746 — Hardyville CDP, KY Demographics & Data

ZIP code 42746 covers Hardyville, KY in Hart County with a population of about 2,473.

At a glance, the area shows median age of 33.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 270, 364; U.S. House district KY-2; the BOWLING GREEN media market.

Median household income in ZIP 42746 is about $55,048 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.1%; unemployment rate near 3.6%; 7.6% of adults with a bachelor’s degree or higher (about 26.1 points below the national share (33.7%)).

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

Median home value is about $107,700 — about 69% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $405 (about 65% below the U.S. median rent ($1,163)), and owner-occupancy near 83.9% (about 18.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42746 in Hardyville, KY, a household would need roughly $30,000 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 $692. That sits below the local median household income ($55,048), 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 Hardyville CDP, KY as Very Low (composite score 41.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (49.7) and hurricane (38.5). 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 Hardyville CDP, KY show little to no average snow and around 51.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 92 for ZIP 42746 (Hardyville 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.