40313 ZIP Code — Clearfield, KY

Rowan County, Kentucky

ZIP code 40313 is located in Clearfield, Kentucky, within Rowan County. It covers approximately 27.70 square miles and serves a population of 2,593 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40313

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $98,600. Owner-occupancy sits near the national average at 66%.

The gap between median ($51,260) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 31% of residents, above the national average. SNAP benefit usage at 32% of households reflects economic stress in the area. 46% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (29%), poor mental health (22%) compared to national benchmarks.

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

Overall, ZIP code 40313 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

2,593

population

27.70

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40313 ZIP code map

Cities in ZIP code 40313

Below are the cities the US Postal Service accepts for ZIP code 40313. Using any city not on this list may result in mail delivery delays.

City	Status
Clearfield	Preferred

Nearby ZIP codes

40351 Morehead (6.6 mi) 40371 Salt Lick (9.3 mi) 40387 Wellington (13.7 mi) 41425 Ezel (13.8 mi) 40316 Denniston (14.1 mi) 40358 Olympia (14.9 mi) 41472 West Liberty (16.6 mi) 40322 Frenchburg (16.7 mi) 41352 Mize (17.5 mi) 41171 Sandy Hook (18 mi) 41049 Hillsboro (18.1 mi) 41093 Wallingford (19.8 mi)

Demographics updated 05/2026

Population
Total population	2,593
Population density	94 / sq mi
State FIPS	21
County FIPS	205

Geography
Land area	27.70 sq mi
Water area	0.12 sq mi
Latitude	38.1107
Longitude	-83.4071
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	64.2%	57.1%	47.9%
$50k – $100k	18.1%	25.7%	30.3%
$100k – $200k	10.7%	12.0%	17.6%
Over $200k	6.9%	5.2%	4.2%

Demographics & statistics

2,593

Population

People per sq mi

38.8

Median age

$51,260

Median household income

$31,217

Per capita income

$98,600

Median home value

$943

Median monthly rent

66.0%

Home ownership

30.9%

Poverty rate

2.8%

Unemployment

885

Housing units

25.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

107

5–9

10–14

15–19

161

20–24

208

129

25–34

165

127

35–44

164

186

45–54

240

55–59

60–64

125

65–74

162

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	529	20.4%
18 and over	2,064	79.6%
65 and over	454	17.5%
Median age	38.8 years

Race & ethnicity

White 98.1%

Black or African American 1%

Two or more races 0.9%

Group	Count	%
White	2,544	98.1%
Black or African American	26	1%
Two or more races	23	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	64.2%	57.1%	47.9%
$50k – $100k	18.1%	25.7%	30.3%
$100k – $200k	10.7%	12.0%	17.6%
Over $200k	6.9%	5.2%	4.2%

Under $10k 3.4%

$15k–$25k 7.8%

$25k–$35k 22.6%

$35k–$50k 10.2%

$50k–$75k 22.5%

$75k–$100k 5.0%

$100k–$150k 16.1%

$150k–$200k 2.6%

$200k+ 9.9%

Range	% of households
Under $10k	3.4%
$15k–$25k	7.8%
$25k–$35k	22.6%
$35k–$50k	10.2%
$50k–$75k	22.5%
$75k–$100k	5.0%
$100k–$150k	16.1%
$150k–$200k	2.6%
$200k+	9.9%
Median income	$51,260

Housing

Home values

Under $50k 28.2%

$50k–$100k 24.1%

$100k–$150k 16.0%

$150k–$200k 6.6%

$200k–$300k 19.4%

$300k–$500k 5.7%

Housing overview

Metric	Value
Median home value	$98,600
Median rent / month	$943
Owner occupied	66.0%
Renter occupied	34.0%
Vacant	18.0%
Single-family detached	55.0%
Large apartment buildings	0.7%
Mobile homes	31.1%
Median rooms	5.2
Avg household size (owned)	2.74

Year built

Era	%
2020 or later	0.0%
2010–2019	7.5%
2000–2009	19.0%
1990–1999	18.8%
1980–1989	21.5%
1970–1979	19.6%
1960–1969	6.4%
1950–1959	6.7%
1940–1949	0.5%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.0%
2 bedrooms	27.3%
3 bedrooms	57.2%
4 bedrooms	8.1%
5+ bedrooms	5.4%

Vehicles per household

Vehicles	% of households
No vehicle	23.1%
1 vehicle	25.1%
2 vehicles	29.0%
3 or more	22.8%

Heating fuel

Fuel type	%
Utility gas	30.0%
Electricity	64.4%
Propane / LP gas	5.6%

Households & families

Household type	Count	%
Married-couple family	430	42.7%
Cohabiting couple	177	17.6%
Male householder, no spouse	74	7.4%
Female householder, no spouse	325	32.3%
Households with children under 18	464	46.1%
Households with seniors (65+)	363	36.1%
Average household size	2.57

Marital status

Status	Male	Female
Never married	39.7%	29.2%
Married	45.6%	35.7%
Separated	10.6%	10.4%
Widowed	2.0%	20.1%
Divorced	2.2%	4.6%

Education

Less than 9th grade 11.8%

Some HS, no diploma 15.6%

HS graduate 36.9%

Some college, no degree 7.4%

Associate's degree 2.8%

Bachelor's degree 10.8%

Graduate / professional 14.6%

Metric	%
HS diploma or higher	72.6%
Bachelor's or higher	25.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	3.2%
Kindergarten	0	0.0%
Elementary school	170	45.3%
High school	68	18.1%
College / grad school	125	33.3%

Employment

Industry of employment

Education & healthcare 45.3%

Manufacturing 13.9%

Retail trade 10.0%

Transportation & utilities 9.8%

Arts, food & hospitality 8.3%

Public administration 5.4%

Construction 2.4%

Finance & real estate 1.5%

Agriculture & mining 1.3%

Other services 1.2%

Professional & management 0.9%

Occupation

Category	%
Management, business & arts	43.7%
Service	18.3%
Sales & office	7.3%
Natural resources & construction	7.0%
Production & transportation	23.8%

Employment type

Type	%
Private sector	68.3%
Government	28.0%
Self-employed	3.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	61.9%
Carpool	30.8%
Public transit	5.3%
Walk	0.0%
Work from home	1.5%
Other means	0.6%
Avg commute (minutes)	22.8

Poverty

All people 30.9%

Under 18 years 53.1%

18 and over 25.1%

Married-couple families 0.0%

Female-led households 67.7%

Income support

Source	% of households
Social Security	46.3%
Retirement income	35.6%
Supplemental Security	7.3%
Cash public assistance	0.0%
Food stamps / SNAP	31.6%

Health indicators

Condition	%
Obesity	42.0%
High blood pressure	42.1%
High cholesterol	36.8%
Diabetes	13.1%
Heart disease	8.3%
Stroke	4.2%
Asthma	13.0%
Arthritis	31.4%
Kidney disease	3.7%
Pulmonary disease	13.4%
Cancer	5.7%

Behavior / access	%
Smoking	28.9%
Binge drinking	15.2%
No physical activity	36.5%
Less than 7 hrs sleep	40.1%
Depression	29.2%
Fair or poor health	26.8%
Poor mental health	22.3%
Poor physical health	17.6%
No health insurance	12.6%
Visited doctor (checkup)	76.2%
Visited dentist	43.9%
Cholesterol screening	84.3%
Teeth loss	27.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	141	6.9%

Disability	%
Any disability	30.9%
Under 18	23.1%
18–64 years	20.7%
65 and over	76.0%

Health insurance coverage

Type	%
Private insurance	47.3%
Public insurance	62.0%
No insurance	2.0%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,402	92.6%
Spanish	13	0.5%
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)	2,521	97.2%
Born in same state	2,453	94.6%
Born in different state	1,872	72.2%
Foreign born	68	2.6%
Naturalized citizen	72	2.8%
Not a US citizen	13	18.1%

Ancestry

Ancestry	Count	%
Arab	1,298	50.1%
French	355	13.7%

Ancestry	Count	%
Italian	213	8.2%

Technology access

Metric	% of households
Computer access	38.8%
Internet access	89.2%

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

Frequently asked questions about ZIP code 40313

What city is ZIP code 40313 in?

ZIP code 40313 is primarily assigned to Clearfield, Kentucky.

What county is ZIP code 40313 in?

ZIP code 40313 falls within Rowan County, Kentucky.

What is the poverty rate in ZIP code 40313?

31% of residents in ZIP code 40313 live below the poverty line, above the national average.

Does ZIP code 40313 have a large retiree population?

46% of households in ZIP code 40313 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 40313?

The median home value in ZIP code 40313 is $98,600.

What is the population of ZIP code 40313?

ZIP code 40313 has an estimated population of 2,593 residents, with a density of 94 people per square mile.

What timezone is ZIP code 40313 in?

ZIP code 40313 observes the EST timezone.