41421 ZIP Code — Elkfork, KY

Morgan County, Kentucky

ZIP code 41421 is located in Elkfork, Kentucky, within Morgan County. It covers approximately 16.61 square miles and serves a population of 288 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 41421

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Owner-occupancy is high at 92%, well above the national average.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (33%) compared to national benchmarks. 16% of residents lack health insurance, above the national average.

Overall, ZIP code 41421 reflects a community defined by economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

288

population

16.61

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41421 ZIP code map

Cities in ZIP code 41421

Below are the cities the US Postal Service accepts for ZIP code 41421. Using any city not on this list may result in mail delivery delays.

City	Status
Elkfork	Acceptable

Demographics updated 05/2026

Population
Total population	288
Population density	17 / sq mi
State FIPS	21
County FIPS	175

Geography
Land area	16.61 sq mi
Water area	0.01 sq mi
Latitude	37.9932
Longitude	-83.1470
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	89.5%	63.5%	47.9%
$50k – $100k	5.5%	24.5%	30.3%
$100k – $200k	5.1%	10.0%	17.6%
Over $200k	0.0%	2.0%	4.2%

Demographics & statistics

288

Population

People per sq mi

48.8

Median age

Median household income

$22,398

Per capita income

Median home value

Median monthly rent

92.4%

Home ownership

24.7%

Poverty rate

0.0%

Unemployment

128

Housing units

28.1%

Bachelor's or higher

Age distribution

Male Female

10–14

15–19

25–34

35–44

45–54

55–59

← Male

Female →

Age summary

Group	Count	%
Under 18	58	20.1%
18 and over	230	79.9%
65 and over	0	0.0%
Median age	48.8 years

Race & ethnicity

White 100%

Group	Count	%
White	288	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	89.5%	63.5%	47.9%
$50k – $100k	5.5%	24.5%	30.3%
$100k – $200k	5.1%	10.0%	17.6%
Over $200k	0.0%	2.0%	4.2%

Under $10k 19.1%

$15k–$25k 37.4%

$35k–$50k 13.7%

$50k–$75k 9.2%

$75k–$100k 9.2%

$150k–$200k 11.5%

Range	% of households
Under $10k	19.1%
$15k–$25k	37.4%
$35k–$50k	13.7%
$50k–$75k	9.2%
$75k–$100k	9.2%
$150k–$200k	11.5%
Median income	$0

Housing

Home values

Under $50k 24.8%

$50k–$100k 24.8%

$150k–$200k 9.9%

$200k–$300k 40.5%

Housing overview

Metric	Value
Median home value	$0
Median rent / month	$0
Owner occupied	92.4%
Renter occupied	7.6%
Vacant	5.1%
Single-family detached	62.3%
Large apartment buildings	0.0%
Mobile homes	37.7%
Median rooms	6.8
Avg household size (owned)	2.02

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	59.4%
1990–1999	8.7%
1980–1989	19.6%
1970–1979	7.2%
1960–1969	5.1%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	12.3%
3 bedrooms	81.9%
4 bedrooms	5.8%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	19.1%
2 vehicles	55.7%
3 or more	25.2%

Heating fuel

Fuel type	%
Electricity	92.4%
Wood	7.6%

Households & families

Household type	Count	%
Married-couple family	57	43.5%
Cohabiting couple	10	7.6%
Male householder, no spouse	49	37.4%
Female householder, no spouse	15	11.5%
Households with children under 18	42	32.1%
Households with seniors (65+)	0	0.0%
Average household size	2.20

Marital status

Status	Male	Female
Never married	52.6%	13.7%
Married	40.7%	60.0%
Separated	0.0%	15.8%
Widowed	0.0%	0.0%
Divorced	6.7%	10.5%

Education

Less than 9th grade 15.2%

Some HS, no diploma 4.6%

HS graduate 30.0%

Some college, no degree 15.2%

Associate's degree 6.9%

Bachelor's degree 28.1%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	80.2%
Bachelor's or higher	28.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	43	60.6%
High school	15	21.1%
College / grad school	13	18.3%

Employment

Industry of employment

Education & healthcare 30.1%

Professional & management 25.8%

Manufacturing 20.4%

Retail trade 12.9%

Transportation & utilities 10.8%

Occupation

Category	%
Management, business & arts	26.9%
Service	23.7%
Sales & office	39.8%
Natural resources & construction	0.0%
Production & transportation	9.7%

Employment type

Type	%
Private sector	44.1%
Government	16.1%
Self-employed	25.8%
Unpaid family workers	14.0%

Commute

Method	%
Drive alone	87.1%
Carpool	12.9%
Public transit	0.0%
Walk	0.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	21.9

Poverty

All people 24.7%

Under 18 years 22.4%

18 and over 25.2%

Married-couple families 17.5%

Female-led households 100.0%

Income support

Source	% of households
Social Security	54.2%
Retirement income	15.3%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	17.6%

Health indicators

Condition	%
Obesity	42.2%
High blood pressure	43.3%
High cholesterol	38.0%
Diabetes	13.5%
Heart disease	8.8%
Stroke	4.3%
Asthma	12.6%
Arthritis	34.5%
Kidney disease	3.7%
Pulmonary disease	14.3%
Cancer	6.2%

Behavior / access	%
Smoking	32.9%
Binge drinking	14.4%
No physical activity	39.3%
Less than 7 hrs sleep	42.6%
Depression	29.4%
Fair or poor health	27.8%
Poor mental health	21.5%
Poor physical health	18.1%
No health insurance	14.2%
Visited doctor (checkup)	75.4%
Visited dentist	41.5%
Cholesterol screening	86.8%
Teeth loss	29.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	5.2%
Under 18	0.0%
18–64 years	6.5%
65 and over	0.0%

Health insurance coverage

Type	%
Private insurance	42.4%
Public insurance	42.0%
No insurance	15.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	288	100.0%
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)	288	100.0%
Born in same state	288	100.0%
Born in different state	273	94.8%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	96	33.3%

Technology access

Metric	% of households
Computer access	45.5%
Internet access	92.4%

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

Frequently asked questions about ZIP code 41421

What city is ZIP code 41421 in?

ZIP code 41421 is primarily assigned to Elkfork, Kentucky.

What county is ZIP code 41421 in?

ZIP code 41421 falls within Morgan County, Kentucky.

Does ZIP code 41421 have a large retiree population?

54% of households in ZIP code 41421 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 41421 mostly owner-occupied?

92% of occupied units in ZIP code 41421 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 41421?

25% of residents in ZIP code 41421 live below the poverty line, above the national average.

What is the population of ZIP code 41421?

ZIP code 41421 has an estimated population of 288 residents, with a density of 17 people per square mile.

What timezone is ZIP code 41421 in?

ZIP code 41421 observes the EST timezone.