40807 ZIP Code — Benham, KY

Harlan County, Kentucky

ZIP code 40807 is located in Benham, Kentucky, within Harlan County. It covers approximately 0.17 square miles and serves a population of 523 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40807

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $55,600. Owner-occupancy is high at 87%, well above the national average.

Median household income is $51,726. The poverty rate of 6% is below the national average. 64% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 11 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (16%), smoking (25%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 31%.

Overall, ZIP code 40807 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

523

population

0.17

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40807 ZIP code map

Cities in ZIP code 40807

Below are the cities the US Postal Service accepts for ZIP code 40807. Using any city not on this list may result in mail delivery delays.

City	Status
Benham	Acceptable

Demographics updated 05/2026

Population
Total population	523
Population density	3,076 / sq mi
State FIPS	21
County FIPS	095

Geography
Land area	0.17 sq mi
Water area	0.00 sq mi
Latitude	36.9372
Longitude	-82.8940
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.8%	70.4%	47.9%
$50k – $100k	42.4%	23.0%	30.3%
$100k – $200k	8.8%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Demographics & statistics

523

Population

3,076

People per sq mi

44.7

Median age

$51,726

Median household income

$24,946

Per capita income

$55,600

Median home value

$644

Median monthly rent

86.6%

Home ownership

5.5%

Poverty rate

10.9%

Unemployment

225

Housing units

18.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	86	16.4%
18 and over	437	83.6%
65 and over	175	33.5%
Median age	44.7 years

Race & ethnicity

White 93.9%

Two or more races 6.1%

Group	Count	%
White	491	93.9%
Two or more races	32	6.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.8%	70.4%	47.9%
$50k – $100k	42.4%	23.0%	30.3%
$100k – $200k	8.8%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Under $10k 8.2%

$15k–$25k 9.1%

$25k–$35k 0.4%

$35k–$50k 19.8%

$50k–$75k 42.2%

$75k–$100k 9.1%

$100k–$150k 4.7%

$150k–$200k 6.5%

Range	% of households
Under $10k	8.2%
$15k–$25k	9.1%
$25k–$35k	0.4%
$35k–$50k	19.8%
$50k–$75k	42.2%
$75k–$100k	9.1%
$100k–$150k	4.7%
$150k–$200k	6.5%
Median income	$51,726

Housing

Home values

Under $50k 30.3%

$50k–$100k 48.8%

$100k–$150k 13.4%

$150k–$200k 2.5%

$200k–$300k 5.0%

Housing overview

Metric	Value
Median home value	$55,600
Median rent / month	$644
Owner occupied	86.6%
Renter occupied	13.4%
Vacant	9.4%
Single-family detached	100.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	5.5
Avg household size (owned)	2.22

Year built

Era	%
2020 or later	0.0%
2010–2019	2.7%
2000–2009	0.0%
1990–1999	3.1%
1980–1989	5.1%
1970–1979	0.8%
1960–1969	7.0%
1950–1959	7.4%
1940–1949	5.1%
1939 or earlier	68.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	36.7%
3 bedrooms	33.6%
4 bedrooms	27.0%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	13.8%
1 vehicle	19.0%
2 vehicles	32.8%
3 or more	34.5%

Heating fuel

Fuel type	%
Electricity	93.1%
Propane / LP gas	6.5%
Fuel oil	0.4%

Households & families

Household type	Count	%
Married-couple family	129	55.6%
Cohabiting couple	0	0.0%
Male householder, no spouse	46	19.8%
Female householder, no spouse	57	24.6%
Households with children under 18	46	19.8%
Households with seniors (65+)	128	55.2%
Average household size	2.24

Marital status

Status	Male	Female
Never married	20.7%	10.4%
Married	58.7%	62.6%
Separated	0.8%	0.0%
Widowed	12.8%	21.3%
Divorced	7.0%	5.7%

Education

Less than 9th grade 8.9%

Some HS, no diploma 16.0%

HS graduate 22.8%

Some college, no degree 19.9%

Associate's degree 13.9%

Bachelor's degree 9.2%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	75.1%
Bachelor's or higher	18.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	8	6.6%
Elementary school	49	40.5%
High school	33	27.3%
College / grad school	31	25.6%

Employment

Industry of employment

Retail trade 22.7%

Manufacturing 15.7%

Education & healthcare 15.1%

Arts, food & hospitality 12.8%

Other services 10.5%

Professional & management 9.9%

Agriculture & mining 5.8%

Information 4.1%

Finance & real estate 3.5%

Occupation

Category	%
Management, business & arts	25.6%
Service	14.0%
Sales & office	34.9%
Natural resources & construction	9.9%
Production & transportation	15.7%

Employment type

Type	%
Private sector	78.5%
Government	4.1%
Self-employed	17.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	61.0%
Carpool	26.2%
Public transit	0.0%
Walk	0.0%
Work from home	11.6%
Other means	1.2%
Avg commute (minutes)	10.5

Poverty

All people 5.5%

Under 18 years 7.0%

18 and over 5.3%

Married-couple families 0.0%

Female-led households 9.1%

Income support

Source	% of households
Social Security	63.8%
Retirement income	52.6%
Supplemental Security	6.0%
Cash public assistance	4.7%
Food stamps / SNAP	11.6%

Health indicators

Condition	%
Obesity	43.2%
High blood pressure	50.4%
High cholesterol	42.5%
Diabetes	16.4%
Heart disease	10.5%
Stroke	5.1%
Asthma	12.0%
Arthritis	40.0%
Kidney disease	4.4%
Pulmonary disease	14.5%
Cancer	8.7%

Behavior / access	%
Smoking	24.7%
Binge drinking	12.7%
No physical activity	36.3%
Less than 7 hrs sleep	38.1%
Depression	26.6%
Fair or poor health	26.0%
Poor mental health	18.3%
Poor physical health	17.8%
No health insurance	10.3%
Visited doctor (checkup)	79.7%
Visited dentist	51.2%
Cholesterol screening	91.6%
Teeth loss	23.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	27	6.2%

Disability	%
Any disability	30.8%
Under 18	9.3%
18–64 years	23.3%
65 and over	52.6%

Health insurance coverage

Type	%
Private insurance	58.9%
Public insurance	69.0%
No insurance	5.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	520	99.4%
Spanish	7	1.3%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.6%
Other languages	4	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	519	99.2%
Born in same state	519	99.2%
Born in different state	418	79.9%
Foreign born	0	0.0%
Naturalized citizen	4	0.8%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	61	11.7%
Italian	59	11.3%

Ancestry	Count	%
Arab	38	7.3%
English	7	1.3%

Technology access

Metric	% of households
Computer access	44.4%
Internet access	94.4%

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

Frequently asked questions about ZIP code 40807

What city is ZIP code 40807 in?

ZIP code 40807 is primarily assigned to Benham, Kentucky.

What county is ZIP code 40807 in?

ZIP code 40807 falls within Harlan County, Kentucky.

Does ZIP code 40807 have a large retiree population?

64% of households in ZIP code 40807 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 40807 have an older population?

34% of residents in ZIP code 40807 are 65 or older, above the national average of ~17%.

Is ZIP code 40807 mostly owner-occupied?

87% of occupied units in ZIP code 40807 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 40807?

The median home value in ZIP code 40807 is $55,600.

What timezone is ZIP code 40807 in?

ZIP code 40807 observes the EST timezone.