42320 ZIP Code — Beaver Dam, KY

Ohio County, Kentucky

ZIP code 42320 is located in Beaver Dam, Kentucky, within Ohio County. It covers approximately 149.05 square miles and serves a population of 8,913 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 42320

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $120,100. Owner-occupancy sits near the national average at 72%.

Median household income is $50,422. 32% 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 27 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks.

Overall, ZIP code 42320 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

8,913

population

149.05

sq mi land

Standard

ZIP type

Central (CT)

timezone

42320 ZIP code map

Cities in ZIP code 42320

Below are the cities the US Postal Service accepts for ZIP code 42320. Using any city not on this list may result in mail delivery delays.

City	Status
Beaver Dam	Acceptable
Beaver Dam	Preferred

Nearby ZIP codes

42354 Mc Henry (3.8 mi) 42333 Cromwell (5.9 mi) 42369 Rockport (6.9 mi) 42328 Centertown (9.6 mi) 42273 Rochester (9.9 mi) 42347 Hartford (11.6 mi) 42337 Drakesboro (12 mi) 42330 Central City (13 mi) 42261 Morgantown (14.2 mi) 42323 Beechmont (15.5 mi) 42352 Livermore (16.6 mi) 42367 Powderly (18.1 mi)

Demographics updated 05/2026

Population
Total population	8,913
Population density	60 / sq mi
State FIPS	21
County FIPS	183

Geography
Land area	149.05 sq mi
Water area	4.72 sq mi
Latitude	37.3539
Longitude	-86.8640
Timezone	Central (CT)
Area code	270/364

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.4%	58.9%	47.9%
$50k – $100k	20.6%	27.4%	30.3%
$100k – $200k	12.1%	12.5%	17.6%
Over $200k	1.9%	1.2%	4.2%

Demographics & statistics

8,913

Population

People per sq mi

39.6

Median age

$50,422

Median household income

$27,859

Per capita income

$120,100

Median home value

$770

Median monthly rent

71.6%

Home ownership

16.3%

Poverty rate

5.6%

Unemployment

2,828

Housing units

13.4%

Bachelor's or higher

Age distribution

Male Female

272

Under 5

227

365

5–9

306

426

10–14

357

275

15–19

230

239

20–24

200

620

25–34

520

619

35–44

519

544

45–54

456

297

55–59

248

420

60–64

352

403

65–74

337

287

75–84

240

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,258	25.3%
18 and over	6,655	74.7%
65 and over	1,421	15.9%
Median age	39.6 years

Race & ethnicity

White 85.4%

Two or more races 5.5%

Hispanic or Latino 5.3%

Other race 2%

Black or African American 0.9%

American Indian / Alaska Native 0.8%

Asian 0.2%

Group	Count	%
White	8,031	85.4%
Two or more races	513	5.5%
Hispanic or Latino	496	5.3%
Other race	189	2%
Black or African American	84	0.9%
American Indian / Alaska Native	76	0.8%
Asian	20	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.4%	58.9%	47.9%
$50k – $100k	20.6%	27.4%	30.3%
$100k – $200k	12.1%	12.5%	17.6%
Over $200k	1.9%	1.2%	4.2%

Under $10k 10.1%

$10k–$15k 3.5%

$15k–$25k 6.1%

$25k–$35k 13.4%

$35k–$50k 16.2%

$50k–$75k 20.1%

$75k–$100k 12.4%

$100k–$150k 10.4%

$150k–$200k 5.1%

$200k+ 2.8%

Range	% of households
Under $10k	10.1%
$10k–$15k	3.5%
$15k–$25k	6.1%
$25k–$35k	13.4%
$35k–$50k	16.2%
$50k–$75k	20.1%
$75k–$100k	12.4%
$100k–$150k	10.4%
$150k–$200k	5.1%
$200k+	2.8%
Median income	$50,422

Housing

Home values

Under $50k 11.5%

$50k–$100k 27.2%

$100k–$150k 20.9%

$150k–$200k 18.5%

$200k–$300k 13.4%

$300k–$500k 7.4%

$500k–$1M 0.2%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$120,100
Median rent / month	$770
Owner occupied	71.6%
Renter occupied	28.4%
Vacant	10.6%
Single-family detached	69.0%
Large apartment buildings	0.0%
Mobile homes	12.6%
Median rooms	5.7
Avg household size (owned)	2.68

Year built

Era	%
2020 or later	0.2%
2010–2019	8.9%
2000–2009	15.6%
1990–1999	18.1%
1980–1989	11.2%
1970–1979	15.6%
1960–1969	13.7%
1950–1959	6.5%
1940–1949	6.7%
1939 or earlier	3.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	1.9%
2 bedrooms	37.3%
3 bedrooms	48.4%
4 bedrooms	11.5%
5+ bedrooms	0.5%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	29.5%
2 vehicles	42.2%
3 or more	25.3%

Heating fuel

Fuel type	%
Utility gas	36.0%
Electricity	50.6%
Propane / LP gas	8.8%
Fuel oil	1.0%
Wood	3.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	1,629	48.1%
Cohabiting couple	510	15.0%
Male householder, no spouse	690	20.4%
Female householder, no spouse	561	16.5%
Households with children under 18	1,262	37.2%
Households with seniors (65+)	881	26.0%
Average household size	2.60

Marital status

Status	Male	Female
Never married	24.7%	21.6%
Married	48.7%	51.5%
Separated	3.2%	2.5%
Widowed	3.3%	13.3%
Divorced	20.2%	11.2%

Education

Less than 9th grade 11.1%

Some HS, no diploma 12.1%

HS graduate 34.7%

Some college, no degree 20.4%

Associate's degree 8.4%

Bachelor's degree 6.3%

Graduate / professional 7.1%

Metric	%
HS diploma or higher	76.8%
Bachelor's or higher	13.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	112	5.0%
Kindergarten	54	2.4%
Elementary school	1,166	52.3%
High school	583	26.2%
College / grad school	314	14.1%

Employment

Industry of employment

Education & healthcare 26.0%

Manufacturing 18.3%

Construction 11.1%

Retail trade 6.1%

Transportation & utilities 6.1%

Arts, food & hospitality 5.9%

Professional & management 5.5%

Public administration 5.3%

Agriculture & mining 4.9%

Other services 4.8%

Finance & real estate 3.3%

Wholesale trade 1.7%

Information 1.2%

Occupation

Category	%
Management, business & arts	27.8%
Service	15.7%
Sales & office	15.9%
Natural resources & construction	15.3%
Production & transportation	25.3%

Employment type

Type	%
Private sector	75.6%
Government	20.1%
Self-employed	4.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	87.6%
Carpool	7.9%
Public transit	0.0%
Walk	1.4%
Work from home	3.1%
Other means	0.0%
Avg commute (minutes)	26.5

Poverty

All people 16.3%

Under 18 years 18.0%

18 and over 15.8%

Married-couple families 4.8%

Female-led households 34.0%

Income support

Source	% of households
Social Security	32.3%
Retirement income	23.4%
Supplemental Security	6.9%
Cash public assistance	1.9%
Food stamps / SNAP	9.4%

Health indicators

Condition	%
Obesity	38.3%
High blood pressure	42.8%
High cholesterol	38.8%
Diabetes	13.4%
Heart disease	8.8%
Stroke	4.2%
Asthma	11.5%
Arthritis	34.1%
Kidney disease	3.6%
Pulmonary disease	12.5%
Cancer	7.1%

Behavior / access	%
Smoking	26.2%
Binge drinking	14.5%
No physical activity	34.5%
Less than 7 hrs sleep	37.2%
Depression	25.9%
Fair or poor health	24.1%
Poor mental health	18.8%
Poor physical health	16.0%
No health insurance	13.0%
Visited doctor (checkup)	76.8%
Visited dentist	47.9%
Cholesterol screening	88.8%
Teeth loss	22.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	327	4.9%

Disability	%
Any disability	17.2%
Under 18	10.2%
18–64 years	11.8%
65 and over	49.9%

Health insurance coverage

Type	%
Private insurance	58.5%
Public insurance	46.5%
No insurance	9.1%
Uninsured under 19	0.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,414	94.4%
Spanish	476	5.7%
Other Indo-European	464	5.5%
Asian & Pacific Islander	0	0.0%
Other languages	12	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,416	94.4%
Born in same state	8,358	93.8%
Born in different state	6,871	77.1%
Foreign born	58	0.7%
Naturalized citizen	497	5.6%
Not a US citizen	39	7.8%

Ancestry

Ancestry	Count	%
Arab	1,850	20.8%
French	988	11.1%
Italian	545	6.1%

Ancestry	Count	%
English	112	1.3%
Polish	3	0%

Technology access

Metric	% of households
Computer access	38.0%
Internet access	83.8%

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

Frequently asked questions about ZIP code 42320

What city is ZIP code 42320 in?

ZIP code 42320 is primarily assigned to Beaver Dam, Kentucky.

What county is ZIP code 42320 in?

ZIP code 42320 falls within Ohio County, Kentucky.

How educated is the population of ZIP code 42320?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 42320?

16% of residents in ZIP code 42320 live below the poverty line, above the national average.

What is the typical home value in ZIP code 42320?

The median home value in ZIP code 42320 is $120,100.

What is the population of ZIP code 42320?

ZIP code 42320 has an estimated population of 8,913 residents, with a density of 60 people per square mile.

What timezone is ZIP code 42320 in?

ZIP code 42320 observes the CST timezone.