42048 ZIP Code — Hardin, KY

Marshall County, Kentucky

ZIP code 42048 is located in Hardin, Kentucky, within Marshall County. It covers approximately 26.75 square miles and serves a population of 2,314 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 42048

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 $117,500. Owner-occupancy is high at 76%, well above the national average.

Median household income is $42,500. Poverty affects 29% of residents, above the national average. SNAP benefit usage at 22% of households reflects economic stress in the area. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 31 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 42048 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.

2,314

population

26.75

sq mi land

Standard

ZIP type

Central (CT)

timezone

42048 ZIP code map

Cities in ZIP code 42048

Below are the cities the US Postal Service accepts for ZIP code 42048. Using any city not on this list may result in mail delivery delays.

City	Status
Hardin	Acceptable
Hardin	Preferred

Nearby ZIP codes

42036 Dexter (3.6 mi) 42020 Almo (5.4 mi) 42025 Benton (8.1 mi) 42071 Murray (9.1 mi) 42054 Kirksey (10.5 mi) 42044 Gilbertsville (14 mi) 42076 New Concord (15.7 mi) 42049 Hazel (16.7 mi) 42055 Kuttawa (17.9 mi) 42211 Cadiz (18.3 mi) 42082 Symsonia (18.4 mi) 42029 Calvert City (18.5 mi)

Demographics updated 05/2026

Population
Total population	2,314
Population density	87 / sq mi
State FIPS	21
County FIPS	157

Geography
Land area	26.75 sq mi
Water area	2.76 sq mi
Latitude	36.7675
Longitude	-88.2403
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	74.2%	44.0%	47.9%
$50k – $100k	7.4%	31.8%	30.3%
$100k – $200k	18.4%	20.4%	17.6%
Over $200k	0.0%	3.9%	4.2%

Demographics & statistics

2,314

Population

People per sq mi

39.1

Median age

$42,500

Median household income

$24,401

Per capita income

$117,500

Median home value

$585

Median monthly rent

76.3%

Home ownership

28.6%

Poverty rate

2.0%

Unemployment

1,039

Housing units

22.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

101

5–9

103

10–14

15–19

20–24

177

25–34

181

128

35–44

130

185

45–54

189

55–59

60–64

122

65–74

125

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	526	22.7%
18 and over	1,788	77.3%
65 and over	391	16.9%
Median age	39.1 years

Race & ethnicity

White 99.1%

Two or more races 0.7%

Black or African American 0.1%

Group	Count	%
White	2,294	99.1%
Two or more races	17	0.7%
Black or African American	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	74.2%	44.0%	47.9%
$50k – $100k	7.4%	31.8%	30.3%
$100k – $200k	18.4%	20.4%	17.6%
Over $200k	0.0%	3.9%	4.2%

Under $10k 8.4%

$10k–$15k 6.2%

$15k–$25k 13.3%

$25k–$35k 14.8%

$35k–$50k 16.5%

$50k–$75k 14.1%

$75k–$100k 5.4%

$100k–$150k 10.7%

$150k–$200k 5.8%

$200k+ 4.9%

Range	% of households
Under $10k	8.4%
$10k–$15k	6.2%
$15k–$25k	13.3%
$25k–$35k	14.8%
$35k–$50k	16.5%
$50k–$75k	14.1%
$75k–$100k	5.4%
$100k–$150k	10.7%
$150k–$200k	5.8%
$200k+	4.9%
Median income	$42,500

Housing

Home values

Under $50k 2.0%

$50k–$100k 39.2%

$100k–$150k 34.0%

$150k–$200k 5.8%

$200k–$300k 9.8%

$300k–$500k 9.2%

Housing overview

Metric	Value
Median home value	$117,500
Median rent / month	$585
Owner occupied	76.3%
Renter occupied	23.7%
Vacant	27.5%
Single-family detached	61.2%
Large apartment buildings	0.6%
Mobile homes	31.8%
Median rooms	5.5
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	2.8%
2010–2019	10.7%
2000–2009	4.8%
1990–1999	16.6%
1980–1989	20.5%
1970–1979	11.7%
1960–1969	7.6%
1950–1959	17.4%
1940–1949	1.9%
1939 or earlier	6.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	6.1%
2 bedrooms	35.1%
3 bedrooms	42.0%
4 bedrooms	14.3%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	3.4%
1 vehicle	25.5%
2 vehicles	33.8%
3 or more	37.3%

Heating fuel

Fuel type	%
Utility gas	18.0%
Electricity	51.1%
Propane / LP gas	26.2%
Wood	4.7%

Households & families

Household type	Count	%
Married-couple family	485	53.3%
Cohabiting couple	83	9.1%
Male householder, no spouse	193	21.2%
Female householder, no spouse	149	16.4%
Households with children under 18	251	27.6%
Households with seniors (65+)	263	28.9%
Average household size	2.51

Marital status

Status	Male	Female
Never married	24.9%	14.5%
Married	46.2%	63.5%
Separated	0.1%	2.0%
Widowed	4.0%	7.1%
Divorced	24.8%	13.0%

Education

Less than 9th grade 2.2%

Some HS, no diploma 8.0%

HS graduate 42.5%

Some college, no degree 16.4%

Associate's degree 8.8%

Bachelor's degree 16.1%

Graduate / professional 6.1%

Metric	%
HS diploma or higher	89.8%
Bachelor's or higher	22.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	21	4.2%
Kindergarten	22	4.4%
Elementary school	275	55.4%
High school	102	20.6%
College / grad school	76	15.3%

Employment

Industry of employment

Retail trade 15.7%

Arts, food & hospitality 15.2%

Construction 14.2%

Education & healthcare 12.4%

Transportation & utilities 9.5%

Wholesale trade 7.0%

Manufacturing 6.8%

Other services 5.8%

Professional & management 4.1%

Finance & real estate 3.9%

Public administration 2.9%

Information 2.2%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	25.6%
Service	14.9%
Sales & office	29.4%
Natural resources & construction	13.1%
Production & transportation	16.9%

Employment type

Type	%
Private sector	81.8%
Government	9.6%
Self-employed	8.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.4%
Carpool	7.3%
Public transit	0.0%
Walk	3.5%
Work from home	4.1%
Other means	7.8%
Avg commute (minutes)	30.7

Poverty

All people 28.6%

Under 18 years 41.0%

18 and over 25.1%

Married-couple families 19.8%

Female-led households 54.4%

Income support

Source	% of households
Social Security	35.5%
Retirement income	30.4%
Supplemental Security	9.7%
Cash public assistance	2.2%
Food stamps / SNAP	22.1%

Health indicators

Condition	%
Obesity	38.1%
High blood pressure	40.3%
High cholesterol	36.4%
Diabetes	11.1%
Heart disease	7.5%
Stroke	3.3%
Asthma	10.7%
Arthritis	31.0%
Kidney disease	3.0%
Pulmonary disease	9.9%
Cancer	7.0%

Behavior / access	%
Smoking	22.9%
Binge drinking	16.1%
No physical activity	28.8%
Less than 7 hrs sleep	38.0%
Depression	25.6%
Fair or poor health	18.7%
Poor mental health	17.7%
Poor physical health	13.2%
No health insurance	10.3%
Visited doctor (checkup)	73.8%
Visited dentist	57.2%
Cholesterol screening	90.1%
Teeth loss	17.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	115	6.4%

Disability	%
Any disability	23.9%
Under 18	15.4%
18–64 years	23.6%
65 and over	36.6%

Health insurance coverage

Type	%
Private insurance	55.7%
Public insurance	51.8%
No insurance	5.7%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,234	96.5%
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)	2,292	99.0%
Born in same state	2,275	98.3%
Born in different state	1,601	69.2%
Foreign born	17	0.7%
Naturalized citizen	22	1.0%
Not a US citizen	22	100.0%

Ancestry

Ancestry	Count	%
French	239	10.3%
Italian	232	10%
Arab	216	9.3%

Ancestry	Count	%
English	7	0.3%
Polish	6	0.3%

Technology access

Metric	% of households
Computer access	39.3%
Internet access	95.6%

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

Frequently asked questions about ZIP code 42048

What city is ZIP code 42048 in?

ZIP code 42048 is primarily assigned to Hardin, Kentucky.

What county is ZIP code 42048 in?

ZIP code 42048 falls within Marshall County, Kentucky.

What is the poverty rate in ZIP code 42048?

29% of residents in ZIP code 42048 live below the poverty line, above the national average.

Does ZIP code 42048 have a large retiree population?

36% of households in ZIP code 42048 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 42048?

The median home value in ZIP code 42048 is $117,500.

What is the median household income in ZIP code 42048?

The median household income in ZIP code 42048 is $42,500, below the national median of ~$75,000.

What timezone is ZIP code 42048 in?

ZIP code 42048 observes the CST timezone.