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Kentucky ZIP Codes
Powell County
Clay City, KY
40312
40312 ZIP Code — Clay City, KY
Powell County, Kentucky
ZIP code 40312 is located in
Clay City ,
Kentucky ,
within Powell County .
It covers approximately 56.87 square miles and serves a population of
6,267 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 606 .
About ZIP code 40312
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 $125,900. Owner-occupancy sits near the national average at 66%.
Median household income is $35,270. Poverty affects 25% of residents, above the national average. SNAP benefit usage at 22% of households reflects economic stress in the area. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 35 minutes is near the national average.
College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (28%) compared to national benchmarks.
Notable community characteristics include disability rates above the national average at 25%.
Overall, ZIP code 40312 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.
40312 ZIP code map
View map of 40312
Cities in ZIP code 40312
Below are the cities the US Postal Service accepts for ZIP code 40312. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
6,267
Population density
110 / sq mi
State FIPS
21
County FIPS
197
Geography
Land area
56.87 sq mi
Water area
0.61 sq mi
Latitude
37.8430
Longitude
-83.9266
Timezone
Eastern (ET)
Area code
606
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
60.4%
54.9%
47.9%
$50k – $100k
29.9%
32.3%
30.3%
$100k – $200k
9.6%
11.5%
17.6%
Over $200k
0.1%
1.3%
4.2%
Demographics & statistics
$35,270
Median household income
$125,900
Median home value
14.9%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 1,618 25.8% 18 and over 4,649 74.2% 65 and over 869 13.9% Median age 39.9 years
Race & ethnicity
Group Count % White 5,876 91.1% Two or more races 391 6.1% Hispanic or Latino 182 2.8%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
60.4%
54.9%
47.9%
$50k – $100k
29.9%
32.3%
30.3%
$100k – $200k
9.6%
11.5%
17.6%
Over $200k
0.1%
1.3%
4.2%
Range % of households Under $10k 11.4% $10k–$15k 13.7% $15k–$25k 14.3% $25k–$35k 10.6% $35k–$50k 6.9% $50k–$75k 5.2% $75k–$100k 20.5% $100k–$150k 16.1% $150k–$200k 1.1% $200k+ 0.4% Median income $35,270
Housing
Housing overview
Metric Value Median home value $125,900 Median rent / month $687 Owner occupied 66.0% Renter occupied 34.0% Vacant 14.3% Single-family detached 65.3% Large apartment buildings 0.3% Mobile homes 26.0% Median rooms 5.4 Avg household size (owned) 2.87
Year built
Era % 2020 or later 0.0% 2010–2019 9.6% 2000–2009 12.8% 1990–1999 10.7% 1980–1989 19.9% 1970–1979 20.2% 1960–1969 15.8% 1950–1959 5.5% 1940–1949 3.4% 1939 or earlier 2.0%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 6.2% 2 bedrooms 20.6% 3 bedrooms 59.6% 4 bedrooms 12.7% 5+ bedrooms 0.9%
Vehicles per household
Vehicles % of households No vehicle 10.3% 1 vehicle 32.6% 2 vehicles 23.4% 3 or more 33.7%
Heating fuel
Fuel type % Utility gas 16.7% Electricity 61.7% Propane / LP gas 11.7% Wood 9.0%
Households & families
Household type Count % Married-couple family 1,167 49.7% Cohabiting couple 138 5.9% Male householder, no spouse 466 19.8% Female householder, no spouse 579 24.6% Households with children under 18 794 33.8% Households with seniors (65+) 667 28.4% Average household size 2.67
Marital status
Status Male Female Never married 34.0% 20.2% Married 48.6% 49.7% Separated 1.6% 1.6% Widowed 4.0% 14.3% Divorced 11.8% 14.3%
Education
Some HS, no diploma
12.8%
Some college, no degree
16.6%
Graduate / professional
6.8%
Metric % HS diploma or higher 77.4% Bachelor's or higher 14.9%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 126 9.1% Kindergarten 133 9.6% Elementary school 567 40.8% High school 386 27.8% College / grad school 178 12.8%
Employment
Industry of employment
Education & healthcare
20.4%
Professional & management
9.2%
Transportation & utilities
7.8%
Public administration
6.1%
Finance & real estate
5.5%
Arts, food & hospitality
1.7%
Agriculture & mining
0.9%
Occupation
Category % Management, business & arts 31.0% Service 6.7% Sales & office 18.5% Natural resources & construction 12.6% Production & transportation 31.3%
Employment type
Type % Private sector 78.2% Government 18.1% Self-employed 2.8% Unpaid family workers 0.9%
Commute
Method % Drive alone 84.1% Carpool 9.2% Public transit 0.7% Walk 0.0% Work from home 5.2% Other means 0.8% Avg commute (minutes) 35.0
Poverty
Married-couple families
13.4%
Female-led households
34.2%
Income support
Source % of households Social Security 33.4% Retirement income 18.0% Supplemental Security 15.6% Cash public assistance 1.4% Food stamps / SNAP 21.6%
Health indicators
Condition % Obesity 38.5% High blood pressure 41.9% High cholesterol 37.3% Diabetes 12.8% Heart disease 8.0% Stroke 3.9% Asthma 12.1% Arthritis 32.9% Kidney disease 3.4% Pulmonary disease 12.4% Cancer 6.2%
Behavior / access % Smoking 28.3% Binge drinking 15.4% No physical activity 34.1% Less than 7 hrs sleep 40.9% Depression 28.2% Fair or poor health 23.9% Poor mental health 20.0% Poor physical health 16.3% No health insurance 12.1% Visited doctor (checkup) 76.4% Visited dentist 46.6% Cholesterol screening 87.9% Teeth loss 23.9%
Veterans & disability
Veterans Count % Civilian veterans 228 4.9%
Disability % Any disability 24.9% Under 18 6.6% 18–64 years 23.0% 65 and over 67.1%
Health insurance coverage
Type % Private insurance 57.8% Public insurance 52.4% No insurance 5.3% Uninsured under 19 5.4%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 5,837 93.1% 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) 6,267 100.0% Born in same state 6,267 100.0% Born in different state 4,876 77.8% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % French 1,094 17.5% Arab 692 11%
Ancestry Count % Italian 569 9.1%
Technology access
Metric % of households Computer access 37.5% Internet access 84.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 40312
What city is ZIP code 40312 in?
ZIP code 40312 is primarily assigned to Clay City, Kentucky.
What county is ZIP code 40312 in?
ZIP code 40312 falls within Powell County, Kentucky.
What is the poverty rate in ZIP code 40312?
25% of residents in ZIP code 40312 live below the poverty line, above the national average.
How educated is the population of ZIP code 40312?
15% 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 typical home value in ZIP code 40312?
The median home value in ZIP code 40312 is $125,900.
What is the median household income in ZIP code 40312?
The median household income in ZIP code 40312 is $35,270, below the national median of ~$75,000.
What timezone is ZIP code 40312 in?
ZIP code 40312 observes the EST timezone.
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