40813 ZIP Code — Calvin, KY

Bell County, Kentucky

ZIP code 40813 is located in Calvin, Kentucky, within Bell County. It covers approximately 12.92 square miles and serves a population of 297 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40813

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $93,500. Owner-occupancy sits near the national average at 55%.

Median household income is $53,214. Poverty affects 23% of residents, above the national average. SNAP benefit usage at 21% of households reflects economic stress in the area. 77% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (45%), diabetes (17%), smoking (33%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 30%.

Overall, ZIP code 40813 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.

297

population

12.92

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40813 ZIP code map

Cities in ZIP code 40813

Below are the cities the US Postal Service accepts for ZIP code 40813. Using any city not on this list may result in mail delivery delays.

City	Status
Calvin	Preferred

Nearby ZIP codes

40977 Pineville (4.4 mi) 40965 Middlesboro (5.6 mi) 40995 Trosper (6 mi) 40939 Fourmile (7.2 mi) 40940 Frakes (9 mi) 40921 Bryants Store (9.6 mi) 40935 Flat Lick (10.3 mi) 40903 Artemus (10.5 mi) 40763 Siler (10.6 mi) 37724 Cumberland Gap (11 mi) 37715 Clairfield (12.3 mi) 40953 Hinkle (12.8 mi)

Demographics updated 05/2026

Population
Total population	297
Population density	23 / sq mi
State FIPS	21
County FIPS	013

Geography
Land area	12.92 sq mi
Water area	0.17 sq mi
Latitude	36.6958
Longitude	-83.7704
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	75.3%	72.9%	47.9%
$50k – $100k	19.5%	21.8%	30.3%
$100k – $200k	5.2%	4.5%	17.6%
Over $200k	0.0%	0.8%	4.2%

Demographics & statistics

297

Population

People per sq mi

58.1

Median age

$53,214

Median household income

$26,432

Per capita income

$93,500

Median home value

$493

Median monthly rent

54.9%

Home ownership

22.9%

Poverty rate

20.0%

Unemployment

Housing units

5.6%

Bachelor's or higher

Age distribution

Male Female

15–19

20–24

25–34

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	4	1.3%
18 and over	293	98.7%
65 and over	80	26.9%
Median age	58.1 years

Race & ethnicity

White 100%

Group	Count	%
White	297	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	75.3%	72.9%	47.9%
$50k – $100k	19.5%	21.8%	30.3%
$100k – $200k	5.2%	4.5%	17.6%
Over $200k	0.0%	0.8%	4.2%

Under $10k 10.7%

$15k–$25k 9.8%

$25k–$35k 8.2%

$35k–$50k 13.1%

$50k–$75k 16.4%

$75k–$100k 28.7%

$100k–$150k 13.1%

Range	% of households
Under $10k	10.7%
$15k–$25k	9.8%
$25k–$35k	8.2%
$35k–$50k	13.1%
$50k–$75k	16.4%
$75k–$100k	28.7%
$100k–$150k	13.1%
Median income	$53,214

Housing

Home values

Under $50k 35.8%

$50k–$100k 23.9%

$100k–$150k 9.0%

$150k–$200k 7.5%

$300k–$500k 23.9%

Housing overview

Metric	Value
Median home value	$93,500
Median rent / month	$493
Owner occupied	54.9%
Renter occupied	45.1%
Vacant	14.7%
Single-family detached	61.5%
Large apartment buildings	0.0%
Mobile homes	20.3%
Median rooms	5.7
Avg household size (owned)	2.16

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	20.3%
1990–1999	16.8%
1980–1989	3.5%
1970–1979	33.6%
1960–1969	16.8%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	9.1%

Bedrooms

Size	% of units
No bedroom (studio)	9.1%
1 bedroom	0.0%
2 bedrooms	21.0%
3 bedrooms	67.8%
4 bedrooms	2.1%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	10.7%
1 vehicle	42.6%
2 vehicles	24.6%
3 or more	22.1%

Heating fuel

Fuel type	%
Electricity	86.9%
Propane / LP gas	13.1%

Households & families

Household type	Count	%
Married-couple family	39	32.0%
Cohabiting couple	13	10.7%
Male householder, no spouse	40	32.8%
Female householder, no spouse	30	24.6%
Households with children under 18	6	4.9%
Households with seniors (65+)	48	39.3%
Average household size	2.43

Marital status

Status	Male	Female
Never married	32.9%	21.1%
Married	37.2%	43.6%
Separated	0.0%	0.0%
Widowed	13.4%	35.3%
Divorced	16.5%	0.0%

Education

Less than 9th grade 7.6%

Some HS, no diploma 18.4%

HS graduate 54.9%

Some college, no degree 9.4%

Associate's degree 4.2%

Bachelor's degree 5.6%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	74.0%
Bachelor's or higher	5.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	0	0.0%
High school	4	25.0%
College / grad school	12	75.0%

Employment

Industry of employment

Transportation & utilities 39.1%

Education & healthcare 22.8%

Professional & management 20.7%

Agriculture & mining 9.8%

Retail trade 7.6%

Occupation

Category	%
Management, business & arts	35.9%
Service	0.0%
Sales & office	14.1%
Natural resources & construction	0.0%
Production & transportation	50.0%

Employment type

Type	%
Private sector	82.6%
Government	17.4%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	45.7%
Carpool	40.2%
Public transit	0.0%
Walk	0.0%
Work from home	14.1%
Other means	0.0%
Avg commute (minutes)	25.3

Poverty

All people 22.9%

Under 18 years 0.0%

18 and over 23.2%

Married-couple families 0.0%

Female-led households 30.2%

Income support

Source	% of households
Social Security	77.0%
Retirement income	41.8%
Supplemental Security	9.8%
Cash public assistance	0.0%
Food stamps / SNAP	20.5%

Health indicators

Condition	%
Obesity	44.8%
High blood pressure	49.7%
High cholesterol	42.2%
Diabetes	17.0%
Heart disease	11.4%
Stroke	5.7%
Asthma	13.1%
Arthritis	39.5%
Kidney disease	4.7%
Pulmonary disease	17.7%
Cancer	7.5%

Behavior / access	%
Smoking	32.7%
Binge drinking	12.7%
No physical activity	42.8%
Less than 7 hrs sleep	40.9%
Depression	28.8%
Fair or poor health	32.1%
Poor mental health	21.2%
Poor physical health	21.1%
No health insurance	13.7%
Visited doctor (checkup)	78.1%
Visited dentist	41.8%
Cholesterol screening	87.6%
Teeth loss	31.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	30.3%
Under 18	0.0%
18–64 years	39.9%
65 and over	6.3%

Health insurance coverage

Type	%
Private insurance	36.0%
Public insurance	75.1%
No insurance	4.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	297	100.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	297	100.0%
Born in same state	297	100.0%
Born in different state	216	72.7%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	70	23.6%
Dutch	15	5.1%

Ancestry	Count	%
French	8	2.7%
Arab	5	1.7%

Technology access

Metric	% of households
Computer access	41.1%
Internet access	100.0%

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

Frequently asked questions about ZIP code 40813

What city is ZIP code 40813 in?

ZIP code 40813 is primarily assigned to Calvin, Kentucky.

What county is ZIP code 40813 in?

ZIP code 40813 falls within Bell County, Kentucky.

Does ZIP code 40813 have a large retiree population?

77% of households in ZIP code 40813 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 40813?

6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 40813 have an older population?

27% of residents in ZIP code 40813 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 40813?

23% of residents in ZIP code 40813 live below the poverty line, above the national average.

What timezone is ZIP code 40813 in?

ZIP code 40813 observes the EST timezone.