40823 ZIP Code — Cumberland, KY

Harlan County, Kentucky

ZIP code 40823 is located in Cumberland, Kentucky, within Harlan County. It covers approximately 48.45 square miles and serves a population of 3,846 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40823

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 $68,900. Owner-occupancy sits near the national average at 58%.

Median household income is $34,491. Poverty affects 45% of residents, above the national average. SNAP benefit usage at 33% 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 18 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 diabetes (16%), smoking (29%) compared to national benchmarks.

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

Overall, ZIP code 40823 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.

3,846

population

48.45

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40823 ZIP code map

Cities in ZIP code 40823

Below are the cities the US Postal Service accepts for ZIP code 40823. Using any city not on this list may result in mail delivery delays.

City	Status
Cumberland	Acceptable
Cumberland	Preferred

Nearby ZIP codes

40927 Closplint (5.6 mi) 41735 Delphia (6.9 mi) 41821 Hallie (7.2 mi) 40862 Partridge (7.7 mi) 41848 Roxana (9 mi) 40870 Totz (9.3 mi) 41731 Cornettsville (9.5 mi) 24265 Keokee (9.6 mi) 24282 Saint Charles (10.5 mi) 40828 Evarts (11.1 mi) 41763 Slemp (11.2 mi) 24216 Appalachia (12 mi)

Demographics updated 05/2026

Population
Total population	3,846
Population density	79 / sq mi
State FIPS	21
County FIPS	095

Geography
Land area	48.45 sq mi
Water area	0.19 sq mi
Latitude	36.9696
Longitude	-82.9815
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	76.5%	70.4%	47.9%
$50k – $100k	17.2%	23.0%	30.3%
$100k – $200k	5.9%	5.5%	17.6%
Over $200k	0.3%	1.1%	4.2%

Demographics & statistics

3,846

Population

People per sq mi

35.2

Median age

$34,491

Median household income

$17,326

Per capita income

$68,900

Median home value

$532

Median monthly rent

57.9%

Home ownership

44.8%

Poverty rate

23.8%

Unemployment

1,094

Housing units

11.5%

Bachelor's or higher

Age distribution

Male Female

195

Under 5

226

156

5–9

180

158

10–14

183

15–19

20–24

252

25–34

292

167

35–44

192

176

45–54

203

104

55–59

120

101

60–64

116

178

65–74

206

140

75–84

162

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,202	31.3%
18 and over	2,644	68.7%
65 and over	750	19.5%
Median age	35.2 years

Race & ethnicity

White 90.4%

Two or more races 5.8%

Hispanic or Latino 2.1%

Black or African American 1.6%

Asian 0.1%

Group	Count	%
White	3,551	90.4%
Two or more races	229	5.8%
Hispanic or Latino	84	2.1%
Black or African American	62	1.6%
Asian	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	76.5%	70.4%	47.9%
$50k – $100k	17.2%	23.0%	30.3%
$100k – $200k	5.9%	5.5%	17.6%
Over $200k	0.3%	1.1%	4.2%

Under $10k 9.0%

$10k–$15k 9.9%

$15k–$25k 21.9%

$25k–$35k 10.8%

$35k–$50k 15.0%

$50k–$75k 17.5%

$75k–$100k 8.0%

$100k–$150k 3.9%

$150k–$200k 3.7%

$200k+ 0.4%

Range	% of households
Under $10k	9.0%
$10k–$15k	9.9%
$15k–$25k	21.9%
$25k–$35k	10.8%
$35k–$50k	15.0%
$50k–$75k	17.5%
$75k–$100k	8.0%
$100k–$150k	3.9%
$150k–$200k	3.7%
$200k+	0.4%
Median income	$34,491

Housing

Home values

Under $50k 27.6%

$50k–$100k 35.2%

$100k–$150k 17.2%

$150k–$200k 5.2%

$200k–$300k 10.2%

$300k–$500k 4.5%

Housing overview

Metric	Value
Median home value	$68,900
Median rent / month	$532
Owner occupied	57.9%
Renter occupied	42.1%
Vacant	16.1%
Single-family detached	66.1%
Large apartment buildings	1.8%
Mobile homes	17.9%
Median rooms	5.4
Avg household size (owned)	2.38

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	6.2%
1990–1999	9.0%
1980–1989	16.1%
1970–1979	19.6%
1960–1969	10.9%
1950–1959	16.1%
1940–1949	12.1%
1939 or earlier	7.3%

Bedrooms

Size	% of units
No bedroom (studio)	8.3%
1 bedroom	5.0%
2 bedrooms	24.4%
3 bedrooms	45.7%
4 bedrooms	13.8%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	13.1%
1 vehicle	39.0%
2 vehicles	28.5%
3 or more	19.4%

Heating fuel

Fuel type	%
Utility gas	3.0%
Electricity	82.9%
Propane / LP gas	7.2%
Fuel oil	0.8%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	566	39.9%
Cohabiting couple	69	4.9%
Male householder, no spouse	244	17.2%
Female householder, no spouse	539	38.0%
Households with children under 18	460	32.4%
Households with seniors (65+)	492	34.7%
Average household size	2.66

Marital status

Status	Male	Female
Never married	25.1%	27.3%
Married	51.2%	38.8%
Separated	0.7%	3.9%
Widowed	3.3%	14.3%
Divorced	19.7%	15.7%

Education

Less than 9th grade 9.7%

Some HS, no diploma 15.0%

HS graduate 32.4%

Some college, no degree 17.5%

Associate's degree 13.9%

Bachelor's degree 6.3%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	75.3%
Bachelor's or higher	11.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	94	10.0%
Kindergarten	47	5.0%
Elementary school	598	63.5%
High school	115	12.2%
College / grad school	87	9.2%

Employment

Industry of employment

Education & healthcare 32.4%

Manufacturing 12.0%

Arts, food & hospitality 11.1%

Finance & real estate 9.3%

Other services 9.3%

Retail trade 8.6%

Agriculture & mining 7.0%

Public administration 4.0%

Transportation & utilities 3.2%

Construction 1.8%

Professional & management 0.9%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	37.7%
Service	32.4%
Sales & office	12.7%
Natural resources & construction	5.4%
Production & transportation	11.8%

Employment type

Type	%
Private sector	79.0%
Government	19.1%
Self-employed	1.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.7%
Carpool	21.1%
Public transit	0.0%
Walk	4.9%
Work from home	8.6%
Other means	0.7%
Avg commute (minutes)	18.2

Poverty

All people 44.8%

Under 18 years 69.6%

18 and over 33.2%

Married-couple families 29.3%

Female-led households 59.3%

Income support

Source	% of households
Social Security	46.0%
Retirement income	29.7%
Supplemental Security	18.3%
Cash public assistance	10.6%
Food stamps / SNAP	33.0%

Health indicators

Condition	%
Obesity	43.8%
High blood pressure	47.5%
High cholesterol	40.0%
Diabetes	15.5%
Heart disease	10.1%
Stroke	5.0%
Asthma	12.5%
Arthritis	37.0%
Kidney disease	4.2%
Pulmonary disease	15.2%
Cancer	7.5%

Behavior / access	%
Smoking	28.6%
Binge drinking	13.9%
No physical activity	38.7%
Less than 7 hrs sleep	38.9%
Depression	28.3%
Fair or poor health	28.3%
Poor mental health	20.3%
Poor physical health	18.7%
No health insurance	12.8%
Visited doctor (checkup)	77.4%
Visited dentist	45.7%
Cholesterol screening	88.2%
Teeth loss	27.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	215	8.1%

Disability	%
Any disability	29.7%
Under 18	12.8%
18–64 years	34.0%
65 and over	47.1%

Health insurance coverage

Type	%
Private insurance	32.7%
Public insurance	75.4%
No insurance	5.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,425	89.1%
Spanish	4	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	4	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,842	99.9%
Born in same state	3,842	99.9%
Born in different state	3,149	81.9%
Foreign born	0	0.0%
Naturalized citizen	4	0.1%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	700	18.2%
French	371	9.6%

Ancestry	Count	%
Arab	332	8.6%
Polish	19	0.5%

Technology access

Metric	% of households
Computer access	36.9%
Internet access	93.7%

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

Frequently asked questions about ZIP code 40823

What city is ZIP code 40823 in?

ZIP code 40823 is primarily assigned to Cumberland, Kentucky.

What county is ZIP code 40823 in?

ZIP code 40823 falls within Harlan County, Kentucky.

What is the poverty rate in ZIP code 40823?

45% of residents in ZIP code 40823 live below the poverty line, above the national average.

Is ZIP code 40823 family-oriented?

31% of residents in ZIP code 40823 are under 18, reflecting a younger, family-oriented community.

How educated is the population of ZIP code 40823?

12% 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 40823 have a large retiree population?

46% of households in ZIP code 40823 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 40823 in?

ZIP code 40823 observes the EST timezone.