40962 ZIP Code — Manchester, KY

Clay County, Kentucky

ZIP code 40962 is located in Manchester, Kentucky, within Clay County. It covers approximately 338.91 square miles and serves a population of 17,490 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40962

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $79,900. Owner-occupancy is high at 76%, well above the national average.

Median household income is $36,017. Poverty affects 34% of residents, above the national average. SNAP benefit usage at 33% of households reflects economic stress in the area. 43% 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 29 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (44%), smoking (35%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 29%.

Overall, ZIP code 40962 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

17,490

population

338.91

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40962 ZIP code map

Cities in ZIP code 40962

Below are the cities the US Postal Service accepts for ZIP code 40962. Using any city not on this list may result in mail delivery delays.

City	Status
Manchester	Acceptable
Manchester	Preferred

Nearby ZIP codes

40914 Big Creek (7.1 mi) 40983 Sextons Creek (12 mi) 40982 Scalf (12.3 mi) 40972 Oneida (12.4 mi) 40943 Girdler (12.8 mi) 40923 Cannon (13.4 mi) 41714 Bear Branch (13.8 mi) 40979 Roark (14.2 mi) 40913 Beverly (15.3 mi) 40827 Essie (15.3 mi) 41762 Sizerock (16 mi) 40953 Hinkle (16.9 mi)

Demographics updated 05/2026

Population
Total population	17,490
Population density	52 / sq mi
State FIPS	21
County FIPS	051

Geography
Land area	338.91 sq mi
Water area	1.02 sq mi
Latitude	37.1222
Longitude	-83.7390
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%	70.4%	47.9%
$50k – $100k	23.1%	22.8%	30.3%
$100k – $200k	5.0%	5.7%	17.6%
Over $200k	1.2%	1.1%	4.2%

Demographics & statistics

17,490

Population

People per sq mi

41.1

Median age

$36,017

Median household income

$19,529

Per capita income

$79,900

Median home value

$644

Median monthly rent

75.9%

Home ownership

33.6%

Poverty rate

11.2%

Unemployment

5,863

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

547

Under 5

486

412

5–9

367

636

10–14

566

441

15–19

393

406

20–24

361

1,415

25–34

1,259

1,311

35–44

1,166

1,378

45–54

1,226

657

55–59

584

605

60–64

539

938

65–74

835

356

75–84

316

153

85+

137

← Male

Female →

Age summary

Group	Count	%
Under 18	3,549	20.3%
18 and over	13,941	79.7%
65 and over	2,735	15.6%
Median age	41.1 years

Race & ethnicity

White 89.5%

Black or African American 4.7%

Two or more races 3.5%

Hispanic or Latino 2.1%

Other race 0.1%

Asian 0.1%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	15,984	89.5%
Black or African American	833	4.7%
Two or more races	622	3.5%
Hispanic or Latino	368	2.1%
Other race	24	0.1%
Asian	11	0.1%
Native Hawaiian / Pacific Islander	10	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.7%	70.4%	47.9%
$50k – $100k	23.1%	22.8%	30.3%
$100k – $200k	5.0%	5.7%	17.6%
Over $200k	1.2%	1.1%	4.2%

Under $10k 11.4%

$10k–$15k 13.5%

$15k–$25k 12.9%

$25k–$35k 11.8%

$35k–$50k 13.7%

$50k–$75k 13.5%

$75k–$100k 11.6%

$100k–$150k 8.8%

$150k–$200k 1.8%

$200k+ 1.1%

Range	% of households
Under $10k	11.4%
$10k–$15k	13.5%
$15k–$25k	12.9%
$25k–$35k	11.8%
$35k–$50k	13.7%
$50k–$75k	13.5%
$75k–$100k	11.6%
$100k–$150k	8.8%
$150k–$200k	1.8%
$200k+	1.1%
Median income	$36,017

Housing

Home values

Under $50k 34.1%

$50k–$100k 26.9%

$100k–$150k 15.2%

$150k–$200k 11.3%

$200k–$300k 7.8%

$300k–$500k 3.5%

$500k–$1M 0.7%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$79,900
Median rent / month	$644
Owner occupied	75.9%
Renter occupied	24.1%
Vacant	16.3%
Single-family detached	64.8%
Large apartment buildings	0.9%
Mobile homes	27.1%
Median rooms	5.5
Avg household size (owned)	2.70

Year built

Era	%
2020 or later	0.2%
2010–2019	8.9%
2000–2009	15.7%
1990–1999	21.6%
1980–1989	17.0%
1970–1979	15.2%
1960–1969	8.6%
1950–1959	5.8%
1940–1949	2.3%
1939 or earlier	4.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	8.1%
2 bedrooms	26.1%
3 bedrooms	47.7%
4 bedrooms	14.1%
5+ bedrooms	2.9%

Vehicles per household

Vehicles	% of households
No vehicle	12.6%
1 vehicle	31.4%
2 vehicles	33.8%
3 or more	22.1%

Heating fuel

Fuel type	%
Utility gas	26.7%
Electricity	56.7%
Propane / LP gas	6.0%
Fuel oil	6.8%
Wood	2.5%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	2,858	46.5%
Cohabiting couple	414	6.7%
Male householder, no spouse	1,165	19.0%
Female householder, no spouse	1,710	27.8%
Households with children under 18	2,342	38.1%
Households with seniors (65+)	2,043	33.2%
Average household size	2.63

Marital status

Status	Male	Female
Never married	36.4%	21.1%
Married	42.0%	45.1%
Separated	4.0%	7.3%
Widowed	5.9%	14.7%
Divorced	11.7%	11.8%

Education

Less than 9th grade 14.5%

Some HS, no diploma 13.4%

HS graduate 39.0%

Some college, no degree 13.9%

Associate's degree 5.2%

Bachelor's degree 6.6%

Graduate / professional 7.5%

Metric	%
HS diploma or higher	72.1%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	322	10.3%
Kindergarten	172	5.5%
Elementary school	1,477	47.3%
High school	716	22.9%
College / grad school	437	14.0%

Employment

Industry of employment

Education & healthcare 24.9%

Retail trade 14.6%

Manufacturing 9.0%

Arts, food & hospitality 8.8%

Public administration 7.5%

Construction 7.3%

Professional & management 6.9%

Finance & real estate 5.6%

Other services 5.6%

Transportation & utilities 4.7%

Information 2.6%

Wholesale trade 1.7%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	31.5%
Service	20.9%
Sales & office	21.1%
Natural resources & construction	12.5%
Production & transportation	13.9%

Employment type

Type	%
Private sector	71.8%
Government	21.0%
Self-employed	6.5%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	77.1%
Carpool	14.2%
Public transit	0.0%
Walk	0.7%
Work from home	6.9%
Other means	1.1%
Avg commute (minutes)	28.7

Poverty

All people 33.6%

Under 18 years 47.8%

18 and over 29.7%

Married-couple families 21.0%

Female-led households 47.6%

Income support

Source	% of households
Social Security	42.8%
Retirement income	24.7%
Supplemental Security	19.4%
Cash public assistance	1.6%
Food stamps / SNAP	33.4%

Health indicators

Condition	%
Obesity	44.3%
High blood pressure	44.2%
High cholesterol	38.6%
Diabetes	14.6%
Heart disease	9.2%
Stroke	4.7%
Asthma	12.9%
Arthritis	33.6%
Kidney disease	3.9%
Pulmonary disease	15.4%
Cancer	5.9%

Behavior / access	%
Smoking	34.8%
Binge drinking	15.3%
No physical activity	40.5%
Less than 7 hrs sleep	42.6%
Depression	29.0%
Fair or poor health	30.8%
Poor mental health	21.8%
Poor physical health	19.6%
No health insurance	16.2%
Visited doctor (checkup)	75.8%
Visited dentist	40.3%
Cholesterol screening	85.0%
Teeth loss	31.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	639	4.6%

Disability	%
Any disability	28.7%
Under 18	5.3%
18–64 years	31.8%
65 and over	48.6%

Health insurance coverage

Type	%
Private insurance	39.9%
Public insurance	65.6%
No insurance	5.1%
Uninsured under 19	2.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,457	94.1%
Spanish	60	0.4%
Other Indo-European	60	0.4%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,392	99.4%
Born in same state	17,353	99.2%
Born in different state	14,340	82.0%
Foreign born	39	0.2%
Naturalized citizen	98	0.6%
Not a US citizen	4	4.1%

Ancestry

Ancestry	Count	%
Arab	5,674	32.4%
French	2,178	12.5%
Italian	706	4%

Ancestry	Count	%
German	37	0.2%
English	31	0.2%
Polish	9	0.1%

Technology access

Metric	% of households
Computer access	35.1%
Internet access	82.5%

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

Frequently asked questions about ZIP code 40962

What city is ZIP code 40962 in?

ZIP code 40962 is primarily assigned to Manchester, Kentucky.

What county is ZIP code 40962 in?

ZIP code 40962 falls within Clay County, Kentucky.

What is the poverty rate in ZIP code 40962?

34% of residents in ZIP code 40962 live below the poverty line, above the national average.

How educated is the population of ZIP code 40962?

14% 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 40962 have a large retiree population?

43% of households in ZIP code 40962 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 40962?

The median home value in ZIP code 40962 is $79,900.

What timezone is ZIP code 40962 in?

ZIP code 40962 observes the EST timezone.