40815 ZIP Code — Cawood, KY

Harlan County, Kentucky

ZIP code 40815 is located in Cawood, Kentucky, within Harlan County. It covers approximately 23.47 square miles and serves a population of 699 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40815

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 $63,500. Owner-occupancy sits near the national average at 68%.

Median household income is $41,722. The poverty rate of 3% is below the national average. 41% 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 17 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of obesity (48%), diabetes (17%), smoking (37%), poor mental health (23%) compared to national benchmarks.

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

699

population

23.47

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40815 ZIP code map

Cities in ZIP code 40815

Below are the cities the US Postal Service accepts for ZIP code 40815. Using any city not on this list may result in mail delivery delays.

City	Status
Cawood	Acceptable
Cawood	Preferred

Nearby ZIP codes

40820 Cranks (3.7 mi) 40831 Harlan (6.3 mi) 40806 Baxter (7.5 mi) 24263 Jonesville (7.7 mi) 40828 Evarts (8.5 mi) 40873 Wallins Creek (9.4 mi) 40865 Putney (9.4 mi) 40810 Bledsoe (10.4 mi) 24281 Rose Hill (10.4 mi) 40863 Pathfork (11.1 mi) 24282 Saint Charles (11.1 mi) 24277 Pennington Gap (11.8 mi)

Demographics updated 05/2026

Population
Total population	699
Population density	30 / sq mi
State FIPS	21
County FIPS	095

Geography
Land area	23.47 sq mi
Water area	0.05 sq mi
Latitude	36.7759
Longitude	-83.2402
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	87.5%	70.4%	47.9%
$50k – $100k	12.5%	23.0%	30.3%
$100k – $200k	0.0%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Demographics & statistics

699

Population

People per sq mi

43.8

Median age

$41,722

Median household income

$21,241

Per capita income

$63,500

Median home value

Median monthly rent

68.4%

Home ownership

2.7%

Poverty rate

0.0%

Unemployment

397

Housing units

22.7%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

15–19

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	94	13.4%
18 and over	605	86.6%
65 and over	144	20.6%
Median age	43.8 years

Race & ethnicity

White 82.9%

Black or African American 8.8%

Hispanic or Latino 3.7%

Two or more races 3.7%

Asian 0.8%

Group	Count	%
White	602	82.9%
Black or African American	64	8.8%
Hispanic or Latino	27	3.7%
Two or more races	27	3.7%
Asian	6	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	87.5%	70.4%	47.9%
$50k – $100k	12.5%	23.0%	30.3%
$100k – $200k	0.0%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Under $10k 4.3%

$15k–$25k 17.8%

$25k–$35k 15.8%

$35k–$50k 32.9%

$50k–$75k 9.9%

$75k–$100k 8.2%

$100k–$150k 11.2%

Range	% of households
Under $10k	4.3%
$15k–$25k	17.8%
$25k–$35k	15.8%
$35k–$50k	32.9%
$50k–$75k	9.9%
$75k–$100k	8.2%
$100k–$150k	11.2%
Median income	$41,722

Housing

Home values

Under $50k 25.0%

$50k–$100k 57.2%

$150k–$200k 3.4%

$200k–$300k 12.0%

$300k–$500k 2.4%

Housing overview

Metric	Value
Median home value	$63,500
Median rent / month	$0
Owner occupied	68.4%
Renter occupied	31.6%
Vacant	38.3%
Single-family detached	30.2%
Large apartment buildings	3.7%
Mobile homes	51.9%
Median rooms	4.9
Avg household size (owned)	2.20

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	17.4%
1990–1999	18.3%
1980–1989	11.2%
1970–1979	13.8%
1960–1969	10.3%
1950–1959	9.3%
1940–1949	4.3%
1939 or earlier	15.4%

Bedrooms

Size	% of units
No bedroom (studio)	14.2%
1 bedroom	6.3%
2 bedrooms	29.4%
3 bedrooms	42.6%
4 bedrooms	2.4%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	59.5%
2 vehicles	27.0%
3 or more	13.5%

Heating fuel

Fuel type	%
Utility gas	5.9%
Electricity	85.9%
Propane / LP gas	2.3%
Wood	5.9%

Households & families

Household type	Count	%
Married-couple family	149	49.0%
Cohabiting couple	0	0.0%
Male householder, no spouse	59	19.4%
Female householder, no spouse	96	31.6%
Households with children under 18	77	25.3%
Households with seniors (65+)	138	45.4%
Average household size	2.30

Marital status

Status	Male	Female
Never married	55.7%	13.0%
Married	35.1%	66.0%
Separated	0.8%	0.0%
Widowed	0.0%	9.9%
Divorced	8.4%	11.1%

Education

Less than 9th grade 5.6%

Some HS, no diploma 27.5%

HS graduate 22.1%

Some college, no degree 13.8%

Associate's degree 8.3%

Bachelor's degree 22.7%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	66.9%
Bachelor's or higher	22.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	70	44.9%
High school	31	19.9%
College / grad school	55	35.3%

Employment

Industry of employment

Education & healthcare 25.2%

Retail trade 23.5%

Arts, food & hospitality 21.7%

Construction 13.5%

Transportation & utilities 10.0%

Agriculture & mining 3.0%

Finance & real estate 3.0%

Occupation

Category	%
Management, business & arts	47.8%
Service	14.8%
Sales & office	13.0%
Natural resources & construction	11.3%
Production & transportation	13.0%

Employment type

Type	%
Private sector	84.8%
Government	10.0%
Self-employed	5.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	44.8%
Carpool	52.2%
Public transit	3.0%
Walk	0.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	16.5

Poverty

All people 2.7%

Under 18 years 0.0%

18 and over 3.1%

Married-couple families 4.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	41.4%
Retirement income	32.6%
Supplemental Security	9.9%
Cash public assistance	16.4%
Food stamps / SNAP	16.8%

Health indicators

Condition	%
Obesity	47.7%
High blood pressure	48.5%
High cholesterol	39.4%
Diabetes	16.6%
Heart disease	10.5%
Stroke	5.5%
Asthma	13.7%
Arthritis	37.5%
Kidney disease	4.5%
Pulmonary disease	18.4%
Cancer	6.3%

Behavior / access	%
Smoking	37.4%
Binge drinking	14.3%
No physical activity	44.6%
Less than 7 hrs sleep	41.7%
Depression	31.2%
Fair or poor health	34.9%
Poor mental health	23.2%
Poor physical health	22.3%
No health insurance	15.9%
Visited doctor (checkup)	75.6%
Visited dentist	36.3%
Cholesterol screening	85.1%
Teeth loss	36.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	27	4.5%

Disability	%
Any disability	31.2%
Under 18	0.0%
18–64 years	27.1%
65 and over	64.6%

Health insurance coverage

Type	%
Private insurance	38.1%
Public insurance	69.8%
No insurance	0.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	699	100.0%
Spanish	7	1.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	7	1.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	699	100.0%
Born in same state	693	99.1%
Born in different state	637	91.1%
Foreign born	6	0.9%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	105	15%
Italian	27	3.9%

Ancestry	Count	%
Arab	22	3.1%

Technology access

Metric	% of households
Computer access	43.5%
Internet access	95.7%

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

Frequently asked questions about ZIP code 40815

What city is ZIP code 40815 in?

ZIP code 40815 is primarily assigned to Cawood, Kentucky.

What county is ZIP code 40815 in?

ZIP code 40815 falls within Harlan County, Kentucky.

Does ZIP code 40815 have a large retiree population?

41% of households in ZIP code 40815 receive Social Security income, suggesting a significant retiree or disability population.

What are the health statistics for ZIP code 40815?

Health data for ZIP code 40815 shows elevated rates of obesity (48%) and diabetes (17%) and smoking (37%) compared to national benchmarks.

What is the typical home value in ZIP code 40815?

The median home value in ZIP code 40815 is $63,500.

What is the median household income in ZIP code 40815?

The median household income in ZIP code 40815 is $41,722, below the national median of ~$75,000.

What timezone is ZIP code 40815 in?

ZIP code 40815 observes the EST timezone.