40351 ZIP Code — Morehead, KY

Rowan County, Kentucky

ZIP code 40351 is located in Morehead, Kentucky, within Rowan County. It covers approximately 268.22 square miles and serves a population of 22,738 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40351

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 $153,800. Owner-occupancy sits near the national average at 61%.

Median household income is $49,339. Poverty affects 25% of residents, above the national average. SNAP benefit usage at 20% of households reflects economic stress in the area. 33% 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 22 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

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

Overall, ZIP code 40351 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

22,738

population

268.22

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40351 ZIP code map

Cities in ZIP code 40351

Below are the cities the US Postal Service accepts for ZIP code 40351. Using any city not on this list may result in mail delivery delays.

City	Status
Morehead	Acceptable
Morehead	Preferred

Nearby ZIP codes

40313 Clearfield (6.6 mi) 40371 Salt Lick (11.9 mi) 41093 Wallingford (14 mi) 41049 Hillsboro (14.9 mi) 41164 Olive Hill (15.9 mi) 40358 Olympia (17.8 mi) 41171 Sandy Hook (18.8 mi) 40387 Wellington (19.8 mi) 41179 Vanceburg (19.8 mi)

Demographics updated 05/2026

Population
Total population	22,738
Population density	85 / sq mi
State FIPS	21
County FIPS	205

Geography
Land area	268.22 sq mi
Water area	6.33 sq mi
Latitude	38.2067
Longitude	-83.4086
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	56.3%	57.1%	47.9%
$50k – $100k	26.6%	25.7%	30.3%
$100k – $200k	12.1%	12.0%	17.6%
Over $200k	5.0%	5.2%	4.2%

Demographics & statistics

22,738

Population

People per sq mi

29.8

Median age

$49,339

Median household income

$27,826

Per capita income

$153,800

Median home value

$739

Median monthly rent

61.0%

Home ownership

24.5%

Poverty rate

5.5%

Unemployment

6,376

Housing units

27.4%

Bachelor's or higher

Age distribution

Male Female

566

Under 5

589

461

5–9

480

784

10–14

815

1,331

15–19

1,386

1,629

20–24

1,695

1,428

25–34

1,485

1,069

35–44

1,113

1,153

45–54

1,199

693

55–59

722

558

60–64

581

849

65–74

883

510

75–84

530

112

85+

117

← Male

Female →

Age summary

Group	Count	%
Under 18	4,531	19.9%
18 and over	18,207	80.1%
65 and over	3,001	13.2%
Median age	29.8 years

Race & ethnicity

White 94.7%

Black or African American 2.1%

Two or more races 1.5%

Asian 0.9%

Hispanic or Latino 0.6%

Other race 0.2%

Group	Count	%
White	21,661	94.7%
Black or African American	479	2.1%
Two or more races	349	1.5%
Asian	200	0.9%
Hispanic or Latino	137	0.6%
Other race	38	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.3%	57.1%	47.9%
$50k – $100k	26.6%	25.7%	30.3%
$100k – $200k	12.1%	12.0%	17.6%
Over $200k	5.0%	5.2%	4.2%

Under $10k 9.9%

$10k–$15k 7.7%

$15k–$25k 10.5%

$25k–$35k 11.5%

$35k–$50k 11.2%

$50k–$75k 20.8%

$75k–$100k 6.9%

$100k–$150k 11.9%

$150k–$200k 5.2%

$200k+ 4.4%

Range	% of households
Under $10k	9.9%
$10k–$15k	7.7%
$15k–$25k	10.5%
$25k–$35k	11.5%
$35k–$50k	11.2%
$50k–$75k	20.8%
$75k–$100k	6.9%
$100k–$150k	11.9%
$150k–$200k	5.2%
$200k+	4.4%
Median income	$49,339

Housing

Home values

Under $50k 15.4%

$50k–$100k 17.3%

$100k–$150k 15.6%

$150k–$200k 15.6%

$200k–$300k 23.6%

$300k–$500k 9.4%

$500k–$1M 2.1%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$153,800
Median rent / month	$739
Owner occupied	61.0%
Renter occupied	39.0%
Vacant	14.3%
Single-family detached	58.2%
Large apartment buildings	0.7%
Mobile homes	25.7%
Median rooms	5.6
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.6%
2010–2019	11.9%
2000–2009	16.0%
1990–1999	27.4%
1980–1989	13.5%
1970–1979	13.9%
1960–1969	8.4%
1950–1959	3.7%
1940–1949	1.9%
1939 or earlier	2.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	8.0%
2 bedrooms	26.2%
3 bedrooms	44.0%
4 bedrooms	14.6%
5+ bedrooms	5.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.7%
1 vehicle	32.2%
2 vehicles	34.5%
3 or more	26.5%

Heating fuel

Fuel type	%
Utility gas	16.0%
Electricity	68.4%
Propane / LP gas	8.1%
Wood	6.6%

Households & families

Household type	Count	%
Married-couple family	3,714	45.2%
Cohabiting couple	602	7.3%
Male householder, no spouse	1,538	18.7%
Female householder, no spouse	2,362	28.7%
Households with children under 18	2,634	32.1%
Households with seniors (65+)	2,234	27.2%
Average household size	2.43

Marital status

Status	Male	Female
Never married	43.0%	38.9%
Married	42.9%	39.5%
Separated	1.8%	1.4%
Widowed	3.1%	6.7%
Divorced	9.2%	13.6%

Education

Less than 9th grade 5.1%

Some HS, no diploma 6.4%

HS graduate 33.9%

Some college, no degree 19.9%

Associate's degree 7.4%

Bachelor's degree 13.3%

Graduate / professional 14.1%

Metric	%
HS diploma or higher	88.5%
Bachelor's or higher	27.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	192	2.4%
Kindergarten	106	1.3%
Elementary school	2,097	26.6%
High school	1,104	14.0%
College / grad school	4,378	55.6%

Employment

Industry of employment

Education & healthcare 38.4%

Retail trade 12.0%

Arts, food & hospitality 9.8%

Manufacturing 7.8%

Construction 6.1%

Professional & management 5.2%

Public administration 5.2%

Transportation & utilities 4.9%

Finance & real estate 4.1%

Other services 3.5%

Agriculture & mining 1.5%

Information 1.0%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	39.6%
Service	18.4%
Sales & office	18.7%
Natural resources & construction	6.5%
Production & transportation	16.8%

Employment type

Type	%
Private sector	69.0%
Government	26.3%
Self-employed	3.7%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	77.7%
Carpool	8.0%
Public transit	0.2%
Walk	6.0%
Work from home	7.4%
Other means	0.7%
Avg commute (minutes)	22.2

Poverty

All people 24.5%

Under 18 years 32.6%

18 and over 22.2%

Married-couple families 8.7%

Female-led households 49.4%

Income support

Source	% of households
Social Security	32.8%
Retirement income	18.6%
Supplemental Security	7.4%
Cash public assistance	3.3%
Food stamps / SNAP	20.0%

Health indicators

Condition	%
Obesity	37.7%
High blood pressure	37.7%
High cholesterol	34.8%
Diabetes	10.8%
Heart disease	7.0%
Stroke	3.4%
Asthma	12.2%
Arthritis	27.7%
Kidney disease	3.1%
Pulmonary disease	10.6%
Cancer	5.5%

Behavior / access	%
Smoking	23.4%
Binge drinking	16.1%
No physical activity	31.0%
Less than 7 hrs sleep	37.9%
Depression	27.9%
Fair or poor health	21.3%
Poor mental health	21.0%
Poor physical health	14.4%
No health insurance	11.1%
Visited doctor (checkup)	75.8%
Visited dentist	51.2%
Cholesterol screening	85.0%
Teeth loss	22.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	783	4.3%

Disability	%
Any disability	15.0%
Under 18	6.1%
18–64 years	11.8%
65 and over	45.4%

Health insurance coverage

Type	%
Private insurance	62.5%
Public insurance	43.4%
No insurance	5.6%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	21,583	94.9%
Spanish	170	0.8%
Other Indo-European	111	0.5%
Asian & Pacific Islander	0	0.0%
Other languages	53	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	22,349	98.3%
Born in same state	22,338	98.2%
Born in different state	17,352	76.3%
Foreign born	11	0.0%
Naturalized citizen	389	1.7%
Not a US citizen	174	44.7%

Ancestry

Ancestry	Count	%
Arab	6,372	28%
Italian	2,963	13%
French	2,894	12.7%
English	239	1.1%

Ancestry	Count	%
Dutch	50	0.2%
Polish	41	0.2%
Irish	28	0.1%
German	23	0.1%

Technology access

Metric	% of households
Computer access	36.1%
Internet access	92.5%

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

Frequently asked questions about ZIP code 40351

What city is ZIP code 40351 in?

ZIP code 40351 is primarily assigned to Morehead, Kentucky.

What county is ZIP code 40351 in?

ZIP code 40351 falls within Rowan County, Kentucky.

What is the poverty rate in ZIP code 40351?

25% of residents in ZIP code 40351 live below the poverty line, above the national average.

What is the typical home value in ZIP code 40351?

The median home value in ZIP code 40351 is $153,800.

What is the population of ZIP code 40351?

ZIP code 40351 has an estimated population of 22,738 residents, with a density of 85 people per square mile.

What is the median household income in ZIP code 40351?

The median household income in ZIP code 40351 is $49,339, below the national median of ~$75,000.

What timezone is ZIP code 40351 in?

ZIP code 40351 observes the EST timezone.