42404 ZIP Code — Clay, KY

Webster County, Kentucky

ZIP code 42404 is located in Clay, Kentucky, within Webster County. It covers approximately 87.74 square miles and serves a population of 2,342 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 42404

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 $86,500. Owner-occupancy is high at 82%, well above the national average.

Median household income is $53,000. Poverty affects 18% of residents, above 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 25 minutes is near the national average.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (29%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 32%.

Overall, ZIP code 42404 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

2,342

population

87.74

sq mi land

Standard

ZIP type

Central (CT)

timezone

42404 ZIP code map

Cities in ZIP code 42404

Below are the cities the US Postal Service accepts for ZIP code 42404. Using any city not on this list may result in mail delivery delays.

City	Status
Clay	Acceptable
Clay	Preferred

Nearby ZIP codes

42450 Providence (8.3 mi) 42409 Dixon (9.3 mi) 42459 Sturgis (10.2 mi) 42437 Morganfield (12.6 mi) 42436 Manitou (17.2 mi) 42064 Marion (17.6 mi) 42462 Waverly (17.9 mi) 42455 Sebree (19 mi) 42456 Slaughters (19.8 mi)

Demographics updated 05/2026

Population
Total population	2,342
Population density	27 / sq mi
State FIPS	21
County FIPS	233

Geography
Land area	87.74 sq mi
Water area	0.98 sq mi
Latitude	37.4854
Longitude	-87.8571
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	56.3%	54.3%	47.9%
$50k – $100k	26.2%	27.8%	30.3%
$100k – $200k	16.9%	15.2%	17.6%
Over $200k	0.6%	2.7%	4.2%

Demographics & statistics

2,342

Population

People per sq mi

35.6

Median age

$53,000

Median household income

$23,008

Per capita income

$86,500

Median home value

Median monthly rent

81.5%

Home ownership

18.1%

Poverty rate

6.1%

Unemployment

856

Housing units

11.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

114

15–19

101

20–24

122

25–34

141

35–44

115

138

45–54

159

55–59

60–64

110

65–74

128

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	611	26.1%
18 and over	1,731	73.9%
65 and over	410	17.5%
Median age	35.6 years

Race & ethnicity

White 93.9%

Hispanic or Latino 2%

Other race 2%

Native Hawaiian / Pacific Islander 1.1%

American Indian / Alaska Native 0.5%

Black or African American 0.3%

Two or more races 0.2%

Group	Count	%
White	2,245	93.9%
Hispanic or Latino	48	2%
Other race	48	2%
Native Hawaiian / Pacific Islander	27	1.1%
American Indian / Alaska Native	11	0.5%
Black or African American	7	0.3%
Two or more races	4	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.3%	54.3%	47.9%
$50k – $100k	26.2%	27.8%	30.3%
$100k – $200k	16.9%	15.2%	17.6%
Over $200k	0.6%	2.7%	4.2%

Under $10k 7.3%

$10k–$15k 7.0%

$15k–$25k 16.6%

$25k–$35k 7.0%

$35k–$50k 10.9%

$50k–$75k 17.1%

$75k–$100k 13.6%

$100k–$150k 16.9%

$150k–$200k 3.4%

$200k+ 0.2%

Range	% of households
Under $10k	7.3%
$10k–$15k	7.0%
$15k–$25k	16.6%
$25k–$35k	7.0%
$35k–$50k	10.9%
$50k–$75k	17.1%
$75k–$100k	13.6%
$100k–$150k	16.9%
$150k–$200k	3.4%
$200k+	0.2%
Median income	$53,000

Housing

Home values

Under $50k 32.7%

$50k–$100k 24.0%

$100k–$150k 17.7%

$150k–$200k 6.3%

$200k–$300k 8.0%

$300k–$500k 10.0%

$500k–$1M 1.4%

Housing overview

Metric	Value
Median home value	$86,500
Median rent / month	$0
Owner occupied	81.5%
Renter occupied	18.5%
Vacant	15.3%
Single-family detached	74.6%
Large apartment buildings	0.0%
Mobile homes	20.3%
Median rooms	5.9
Avg household size (owned)	2.80

Year built

Era	%
2020 or later	0.0%
2010–2019	10.3%
2000–2009	5.8%
1990–1999	7.2%
1980–1989	12.5%
1970–1979	14.4%
1960–1969	9.8%
1950–1959	15.8%
1940–1949	7.5%
1939 or earlier	16.7%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	5.1%
2 bedrooms	36.7%
3 bedrooms	40.0%
4 bedrooms	12.2%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	8.7%
1 vehicle	24.8%
2 vehicles	33.3%
3 or more	33.3%

Heating fuel

Fuel type	%
Utility gas	36.5%
Electricity	47.0%
Propane / LP gas	14.1%
Wood	1.6%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	430	50.0%
Cohabiting couple	70	8.1%
Male householder, no spouse	119	13.8%
Female householder, no spouse	241	28.0%
Households with children under 18	268	31.2%
Households with seniors (65+)	326	37.9%
Average household size	2.72

Marital status

Status	Male	Female
Never married	33.7%	20.5%
Married	49.8%	51.8%
Separated	1.7%	4.8%
Widowed	2.7%	14.1%
Divorced	12.1%	8.7%

Education

Less than 9th grade 4.1%

Some HS, no diploma 8.9%

HS graduate 49.3%

Some college, no degree 16.2%

Associate's degree 9.8%

Bachelor's degree 4.1%

Graduate / professional 7.5%

Metric	%
HS diploma or higher	86.9%
Bachelor's or higher	11.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	17	3.2%
Kindergarten	47	8.9%
Elementary school	267	50.6%
High school	154	29.2%
College / grad school	43	8.1%

Employment

Industry of employment

Education & healthcare 20.9%

Manufacturing 14.2%

Agriculture & mining 12.6%

Retail trade 10.6%

Arts, food & hospitality 9.6%

Construction 9.1%

Transportation & utilities 7.1%

Other services 4.8%

Wholesale trade 4.7%

Public administration 4.4%

Professional & management 1.1%

Finance & real estate 0.9%

Occupation

Category	%
Management, business & arts	31.5%
Service	13.7%
Sales & office	13.0%
Natural resources & construction	17.8%
Production & transportation	24.0%

Employment type

Type	%
Private sector	78.1%
Government	16.6%
Self-employed	5.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	94.2%
Carpool	3.8%
Public transit	0.0%
Walk	0.0%
Work from home	1.0%
Other means	0.9%
Avg commute (minutes)	24.9

Poverty

All people 18.1%

Under 18 years 13.8%

18 and over 19.6%

Married-couple families 14.9%

Female-led households 51.8%

Income support

Source	% of households
Social Security	40.5%
Retirement income	27.2%
Supplemental Security	10.7%
Cash public assistance	3.3%
Food stamps / SNAP	14.1%

Health indicators

Condition	%
Obesity	41.1%
High blood pressure	43.8%
High cholesterol	38.5%
Diabetes	14.0%
Heart disease	9.2%
Stroke	4.4%
Asthma	12.0%
Arthritis	35.5%
Kidney disease	3.7%
Pulmonary disease	13.7%
Cancer	6.9%

Behavior / access	%
Smoking	29.0%
Binge drinking	14.5%
No physical activity	36.9%
Less than 7 hrs sleep	40.1%
Depression	27.0%
Fair or poor health	25.9%
Poor mental health	19.7%
Poor physical health	17.4%
No health insurance	12.4%
Visited doctor (checkup)	76.1%
Visited dentist	48.1%
Cholesterol screening	88.5%
Teeth loss	25.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	105	6.1%

Disability	%
Any disability	32.2%
Under 18	25.5%
18–64 years	27.2%
65 and over	58.0%

Health insurance coverage

Type	%
Private insurance	65.0%
Public insurance	45.6%
No insurance	4.3%
Uninsured under 19	2.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,195	93.7%
Spanish	13	0.6%
Other Indo-European	13	0.6%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,326	99.3%
Born in same state	2,312	98.7%
Born in different state	1,847	78.9%
Foreign born	14	0.6%
Naturalized citizen	16	0.7%
Not a US citizen	16	100.0%

Ancestry

Ancestry	Count	%
French	296	12.6%
Arab	282	12%

Ancestry	Count	%
Italian	233	9.9%

Technology access

Metric	% of households
Computer access	36.7%
Internet access	85.7%

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

Frequently asked questions about ZIP code 42404

What city is ZIP code 42404 in?

ZIP code 42404 is primarily assigned to Clay, Kentucky.

What county is ZIP code 42404 in?

ZIP code 42404 falls within Webster County, Kentucky.

How educated is the population of ZIP code 42404?

12% 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 42404?

18% of residents in ZIP code 42404 live below the poverty line, above the national average.

Is ZIP code 42404 mostly owner-occupied?

82% of occupied units in ZIP code 42404 are owner-occupied, well above the national average.

Does ZIP code 42404 have a large retiree population?

41% of households in ZIP code 42404 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 42404 in?

ZIP code 42404 observes the CST timezone.