40769 ZIP Code — Williamsburg, KY

Whitley County, Kentucky

ZIP code 40769 is located in Williamsburg, Kentucky, within Whitley County. It covers approximately 280.78 square miles and serves a population of 18,167 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40769

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $81,800. Owner-occupancy sits near the national average at 64%.

Median household income is $44,553. Poverty affects 28% of residents, above the national average. SNAP benefit usage at 25% of households reflects economic stress in the area. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (27%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 23%.

Overall, ZIP code 40769 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

18,167

population

280.78

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40769 ZIP code map

Cities in ZIP code 40769

Below are the cities the US Postal Service accepts for ZIP code 40769. Using any city not on this list may result in mail delivery delays.

City	Status
Williamsburg	Acceptable
Williamsburg	Preferred

Nearby ZIP codes

40759 Rockholds (8 mi) 37762 Jellico (10.7 mi) 40763 Siler (10.8 mi) 42635 Pine Knot (11.8 mi) 40771 Woodbine (12.6 mi) 40921 Bryants Store (13 mi) 40701 Corbin (14.1 mi) 40701 Corbin (14.1 mi) 40701 Corbin (14.1 mi) 40940 Frakes (14.3 mi) 40906 Barbourville (14.5 mi) 37729 Duff (16.4 mi)

Demographics updated 06/2026

Population
Total population	18,167
Population density	65 / sq mi
State FIPS	21
County FIPS	235

Geography
Land area	280.78 sq mi
Water area	3.12 sq mi
Latitude	36.7214
Longitude	-84.1533
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.6%	57.0%	47.9%
$50k – $100k	29.2%	29.5%	30.3%
$100k – $200k	9.0%	11.5%	17.6%
Over $200k	1.2%	2.0%	4.2%

Demographics & statistics

18,167

Population

People per sq mi

34.4

Median age

$44,553

Median household income

$21,139

Per capita income

$81,800

Median home value

$690

Median monthly rent

63.7%

Home ownership

27.6%

Poverty rate

7.6%

Unemployment

5,363

Housing units

16.4%

Bachelor's or higher

Age distribution

Male Female

651

Under 5

692

474

5–9

503

707

10–14

751

897

15–19

953

797

20–24

848

972

25–34

1,033

1,019

35–44

1,083

1,128

45–54

1,198

620

55–59

658

512

60–64

544

550

65–74

585

322

75–84

342

159

85+

169

← Male

Female →

Age summary

Group	Count	%
Under 18	4,544	25.0%
18 and over	13,623	75.0%
65 and over	2,127	11.7%
Median age	34.4 years

Race & ethnicity

White 94.3%

Two or more races 1.8%

Black or African American 1.3%

Hispanic or Latino 1.1%

Other race 0.9%

Asian 0.4%

American Indian / Alaska Native 0.1%

Group	Count	%
White	17,333	94.3%
Two or more races	339	1.8%
Black or African American	233	1.3%
Hispanic or Latino	209	1.1%
Other race	174	0.9%
Asian	67	0.4%
American Indian / Alaska Native	21	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	60.6%	57.0%	47.9%
$50k – $100k	29.2%	29.5%	30.3%
$100k – $200k	9.0%	11.5%	17.6%
Over $200k	1.2%	2.0%	4.2%

Under $10k 10.0%

$10k–$15k 9.5%

$15k–$25k 12.3%

$25k–$35k 9.9%

$35k–$50k 14.9%

$50k–$75k 19.7%

$75k–$100k 12.7%

$100k–$150k 6.7%

$150k–$200k 1.8%

$200k+ 2.5%

Range	% of households
Under $10k	10.0%
$10k–$15k	9.5%
$15k–$25k	12.3%
$25k–$35k	9.9%
$35k–$50k	14.9%
$50k–$75k	19.7%
$75k–$100k	12.7%
$100k–$150k	6.7%
$150k–$200k	1.8%
$200k+	2.5%
Median income	$44,553

Housing

Home values

Under $50k 28.0%

$50k–$100k 29.5%

$100k–$150k 14.3%

$150k–$200k 10.4%

$200k–$300k 11.6%

$300k–$500k 4.8%

$500k–$1M 0.3%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$81,800
Median rent / month	$690
Owner occupied	63.7%
Renter occupied	36.3%
Vacant	19.0%
Single-family detached	58.2%
Large apartment buildings	0.7%
Mobile homes	30.6%
Median rooms	5.4
Avg household size (owned)	2.70

Year built

Era	%
2020 or later	0.1%
2010–2019	9.4%
2000–2009	15.7%
1990–1999	18.0%
1980–1989	17.0%
1970–1979	13.6%
1960–1969	9.2%
1950–1959	8.2%
1940–1949	4.2%
1939 or earlier	4.6%

Bedrooms

Size	% of units
No bedroom (studio)	6.5%
1 bedroom	3.0%
2 bedrooms	27.2%
3 bedrooms	44.7%
4 bedrooms	13.3%
5+ bedrooms	5.3%

Vehicles per household

Vehicles	% of households
No vehicle	9.5%
1 vehicle	30.6%
2 vehicles	35.1%
3 or more	24.8%

Heating fuel

Fuel type	%
Utility gas	31.0%
Electricity	57.1%
Propane / LP gas	7.1%
Fuel oil	0.5%
Wood	2.9%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	3,084	50.1%
Cohabiting couple	513	8.3%
Male householder, no spouse	967	15.7%
Female householder, no spouse	1,594	25.9%
Households with children under 18	2,255	36.6%
Households with seniors (65+)	1,501	24.4%
Average household size	2.70

Marital status

Status	Male	Female
Never married	36.5%	27.5%
Married	44.0%	44.4%
Separated	3.2%	1.2%
Widowed	3.7%	7.7%
Divorced	12.6%	19.2%

Education

Less than 9th grade 6.5%

Some HS, no diploma 14.3%

HS graduate 39.8%

Some college, no degree 18.2%

Associate's degree 4.7%

Bachelor's degree 7.0%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	79.1%
Bachelor's or higher	16.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	352	6.8%
Kindergarten	112	2.1%
Elementary school	2,313	44.4%
High school	718	13.8%
College / grad school	1,716	32.9%

Employment

Industry of employment

Education & healthcare 26.9%

Retail trade 16.2%

Manufacturing 12.6%

Arts, food & hospitality 9.2%

Construction 7.6%

Professional & management 7.1%

Other services 5.7%

Public administration 4.3%

Transportation & utilities 3.6%

Finance & real estate 2.5%

Agriculture & mining 1.5%

Wholesale trade 1.5%

Information 1.3%

Occupation

Category	%
Management, business & arts	30.4%
Service	18.5%
Sales & office	22.9%
Natural resources & construction	8.4%
Production & transportation	19.8%

Employment type

Type	%
Private sector	73.5%
Government	18.2%
Self-employed	7.9%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	75.0%
Carpool	13.5%
Public transit	0.0%
Walk	2.0%
Work from home	9.4%
Other means	0.0%
Avg commute (minutes)	21.1

Poverty

All people 27.6%

Under 18 years 34.1%

18 and over 25.2%

Married-couple families 11.1%

Female-led households 48.2%

Income support

Source	% of households
Social Security	36.9%
Retirement income	20.6%
Supplemental Security	13.1%
Cash public assistance	5.1%
Food stamps / SNAP	24.8%

Health indicators

Condition	%
Obesity	36.8%
High blood pressure	42.2%
High cholesterol	36.4%
Diabetes	12.6%
Heart disease	8.2%
Stroke	4.0%
Asthma	12.6%
Arthritis	32.4%
Kidney disease	3.4%
Pulmonary disease	12.6%
Cancer	6.2%

Behavior / access	%
Smoking	27.3%
Binge drinking	15.6%
No physical activity	34.1%
Less than 7 hrs sleep	39.0%
Depression	28.3%
Fair or poor health	24.4%
Poor mental health	20.6%
Poor physical health	16.3%
No health insurance	12.2%
Visited doctor (checkup)	75.9%
Visited dentist	49.8%
Cholesterol screening	86.4%
Teeth loss	24.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	568	4.2%

Disability	%
Any disability	22.6%
Under 18	7.0%
18–64 years	23.7%
65 and over	51.7%

Health insurance coverage

Type	%
Private insurance	44.9%
Public insurance	57.2%
No insurance	8.4%
Uninsured under 19	5.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,824	92.6%
Spanish	45	0.3%
Other Indo-European	7	0.0%
Asian & Pacific Islander	11	0.1%
Other languages	20	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,989	99.0%
Born in same state	17,875	98.4%
Born in different state	10,489	57.7%
Foreign born	114	0.6%
Naturalized citizen	178	1.0%
Not a US citizen	61	34.3%

Ancestry

Ancestry	Count	%
Arab	2,163	11.9%
Italian	1,613	8.9%
French	1,592	8.8%
Polish	117	0.6%

Ancestry	Count	%
English	59	0.3%
Norwegian	25	0.1%
Irish	23	0.1%

Technology access

Metric	% of households
Computer access	33.9%
Internet access	90.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 40769

What city is ZIP code 40769 in?

ZIP code 40769 is primarily assigned to Williamsburg, Kentucky.

What county is ZIP code 40769 in?

ZIP code 40769 falls within Whitley County, Kentucky.

What is the poverty rate in ZIP code 40769?

28% of residents in ZIP code 40769 live below the poverty line, above the national average.

Does ZIP code 40769 have a large retiree population?

37% of households in ZIP code 40769 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 40769?

The median home value in ZIP code 40769 is $81,800.

What is the median household income in ZIP code 40769?

The median household income in ZIP code 40769 is $44,553, below the national median of ~$75,000.

What timezone is ZIP code 40769 in?

ZIP code 40769 observes the EST timezone.