41231 ZIP Code — Lovely, KY

Martin County, Kentucky

ZIP code 41231 is located in Lovely, Kentucky, within Martin County. It covers approximately 13.08 square miles and serves a population of 1,062 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 41231

The housing stock consists of a higher-than-average concentration of mobile homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $110,000. Owner-occupancy is high at 90%, well above the national average.

The gap between median ($46,716) and mean household income suggests income inequality — a small number of higher earners pull the average up. 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. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (30%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 39%.

Overall, ZIP code 41231 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,062

population

13.08

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41231 ZIP code map

Cities in ZIP code 41231

Below are the cities the US Postal Service accepts for ZIP code 41231. Using any city not on this list may result in mail delivery delays.

City	Status
Lovely	Preferred

Nearby ZIP codes

25674 Kermit (6.2 mi) 41267 Warfield (6.7 mi) 41250 Pilgrim (6.9 mi) 25676 Lenore (7.3 mi) 25661 Williamson (7.6 mi) 41203 Beauty (7.6 mi) 41514 Belfry (8.4 mi) 41224 Inez (9.6 mi) 41527 Forest Hills (10.7 mi) 25666 Breeden (10.9 mi) 25699 Wilsondale (11.3 mi) 41564 Sidney (12 mi)

Demographics updated 05/2026

Population
Total population	1,062
Population density	81 / sq mi
State FIPS	21
County FIPS	159

Geography
Land area	13.08 sq mi
Water area	0.25 sq mi
Latitude	37.7835
Longitude	-82.3682
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	70.7%	59.2%	47.9%
$50k – $100k	14.3%	25.1%	30.3%
$100k – $200k	15.0%	14.9%	17.6%
Over $200k	0.0%	0.8%	4.2%

Demographics & statistics

1,062

Population

People per sq mi

47.3

Median age

$46,716

Median household income

$38,435

Per capita income

$110,000

Median home value

Median monthly rent

89.7%

Home ownership

11.5%

Poverty rate

9.3%

Unemployment

479

Housing units

17.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

159

25–34

134

35–44

147

45–54

123

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	166	15.6%
18 and over	896	84.4%
65 and over	133	12.5%
Median age	47.3 years

Race & ethnicity

White 100%

Group	Count	%
White	1,062	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.7%	59.2%	47.9%
$50k – $100k	14.3%	25.1%	30.3%
$100k – $200k	15.0%	14.9%	17.6%
Over $200k	0.0%	0.8%	4.2%

Under $10k 11.4%

$10k–$15k 5.2%

$15k–$25k 1.5%

$25k–$35k 20.7%

$35k–$50k 15.7%

$50k–$75k 6.0%

$75k–$100k 7.3%

$100k–$150k 9.9%

$150k–$200k 12.3%

$200k+ 9.9%

Range	% of households
Under $10k	11.4%
$10k–$15k	5.2%
$15k–$25k	1.5%
$25k–$35k	20.7%
$35k–$50k	15.7%
$50k–$75k	6.0%
$75k–$100k	7.3%
$100k–$150k	9.9%
$150k–$200k	12.3%
$200k+	9.9%
Median income	$46,716

Housing

Home values

Under $50k 11.1%

$50k–$100k 36.1%

$100k–$150k 21.9%

$150k–$200k 8.2%

$200k–$300k 22.8%

Housing overview

Metric	Value
Median home value	$110,000
Median rent / month	$0
Owner occupied	89.7%
Renter occupied	10.3%
Vacant	12.0%
Single-family detached	61.3%
Large apartment buildings	0.0%
Mobile homes	38.7%
Median rooms	6.1
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.0%
2010–2019	21.6%
2000–2009	13.3%
1990–1999	19.0%
1980–1989	14.2%
1970–1979	6.5%
1960–1969	1.3%
1950–1959	19.7%
1940–1949	0.0%
1939 or earlier	4.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	5.9%
3 bedrooms	60.7%
4 bedrooms	26.4%
5+ bedrooms	4.4%

Vehicles per household

Vehicles	% of households
No vehicle	10.3%
1 vehicle	20.3%
2 vehicles	27.4%
3 or more	42.0%

Heating fuel

Fuel type	%
Utility gas	22.6%
Electricity	67.0%
Propane / LP gas	10.3%

Households & families

Household type	Count	%
Married-couple family	260	56.0%
Cohabiting couple	0	0.0%
Male householder, no spouse	55	11.9%
Female householder, no spouse	149	32.1%
Households with children under 18	172	37.1%
Households with seniors (65+)	117	25.2%
Average household size	2.29

Marital status

Status	Male	Female
Never married	33.5%	15.8%
Married	56.7%	52.1%
Separated	0.0%	5.0%
Widowed	0.0%	12.3%
Divorced	9.8%	14.9%

Education

Less than 9th grade 11.2%

Some HS, no diploma 16.2%

HS graduate 36.5%

Some college, no degree 9.2%

Associate's degree 9.3%

Bachelor's degree 6.8%

Graduate / professional 10.7%

Metric	%
HS diploma or higher	72.5%
Bachelor's or higher	17.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	12	5.9%
Elementary school	55	27.0%
High school	77	37.7%
College / grad school	60	29.4%

Employment

Industry of employment

Education & healthcare 37.1%

Agriculture & mining 23.0%

Construction 22.1%

Transportation & utilities 10.5%

Retail trade 4.8%

Wholesale trade 1.6%

Finance & real estate 0.9%

Occupation

Category	%
Management, business & arts	51.3%
Service	0.0%
Sales & office	4.8%
Natural resources & construction	30.5%
Production & transportation	13.4%

Employment type

Type	%
Private sector	86.3%
Government	13.7%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.0%
Carpool	4.7%
Public transit	0.0%
Walk	0.0%
Work from home	9.3%
Other means	0.0%
Avg commute (minutes)	35.6

Poverty

All people 11.5%

Under 18 years 0.0%

18 and over 13.6%

Married-couple families 0.0%

Female-led households 46.2%

Income support

Source	% of households
Social Security	41.2%
Retirement income	37.5%
Supplemental Security	17.2%
Cash public assistance	9.9%
Food stamps / SNAP	15.1%

Health indicators

Condition	%
Obesity	40.0%
High blood pressure	44.5%
High cholesterol	37.8%
Diabetes	13.5%
Heart disease	8.7%
Stroke	4.2%
Asthma	12.3%
Arthritis	34.4%
Kidney disease	3.6%
Pulmonary disease	13.6%
Cancer	6.7%

Behavior / access	%
Smoking	29.5%
Binge drinking	14.8%
No physical activity	36.6%
Less than 7 hrs sleep	40.1%
Depression	28.5%
Fair or poor health	25.7%
Poor mental health	20.5%
Poor physical health	17.3%
No health insurance	12.6%
Visited doctor (checkup)	76.1%
Visited dentist	46.2%
Cholesterol screening	88.0%
Teeth loss	24.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	39.2%
Under 18	19.3%
18–64 years	37.2%
65 and over	75.2%

Health insurance coverage

Type	%
Private insurance	55.6%
Public insurance	48.4%
No insurance	4.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,031	97.1%
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)	1,062	100.0%
Born in same state	1,062	100.0%
Born in different state	700	65.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	206	19.4%
Italian	151	14.2%

Ancestry	Count	%
French	132	12.4%

Technology access

Metric	% of households
Computer access	43.7%
Internet access	84.7%

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

Frequently asked questions about ZIP code 41231

What city is ZIP code 41231 in?

ZIP code 41231 is primarily assigned to Lovely, Kentucky.

What county is ZIP code 41231 in?

ZIP code 41231 falls within Martin County, Kentucky.

Is ZIP code 41231 mostly owner-occupied?

90% of occupied units in ZIP code 41231 are owner-occupied, well above the national average.

Does ZIP code 41231 have a large retiree population?

41% of households in ZIP code 41231 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 41231?

The median home value in ZIP code 41231 is $110,000.

What is the median household income in ZIP code 41231?

The median household income in ZIP code 41231 is $46,716, below the national median of ~$75,000.

What timezone is ZIP code 41231 in?

ZIP code 41231 observes the EST timezone.