42765 ZIP Code — Munfordville, KY

Hart County, Kentucky

ZIP code 42765 is located in Munfordville, Kentucky, within Hart County. It covers approximately 114.68 square miles and serves a population of 6,767 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 42765

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $124,000. Owner-occupancy sits near the national average at 68%.

Median household income is $48,146. Poverty affects 21% of residents, above the national average. 39% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 34 minutes is near the national average.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (29%) compared to national benchmarks.

Overall, ZIP code 42765 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

6,767

population

114.68

sq mi land

Standard

ZIP type

Central (CT)

timezone

42765 ZIP code map

Cities in ZIP code 42765

Below are the cities the US Postal Service accepts for ZIP code 42765. Using any city not on this list may result in mail delivery delays.

City	Status
Munfordville	Acceptable
Munfordville	Preferred

Nearby ZIP codes

42713 Bonnieville (4 mi) 42784 Upton (9.8 mi) 42749 Horse Cave (10.2 mi) 42729 Cub Run (11 mi) 42722 Canmer (11.5 mi) 42757 Magnolia (11.8 mi) 42746 Hardyville (12.5 mi) 42127 Cave City (13.2 mi) 42776 Sonora (13.7 mi) 42259 Mammoth Cave (14.6 mi) 42726 Clarkson (15.1 mi) 42788 White Mills (15.1 mi)

Demographics updated 05/2026

Population
Total population	6,767
Population density	59 / sq mi
State FIPS	21
County FIPS	099

Geography
Land area	114.68 sq mi
Water area	1.14 sq mi
Latitude	37.3150
Longitude	-85.9146
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	57.4%	60.4%	47.9%
$50k – $100k	30.5%	26.8%	30.3%
$100k – $200k	8.7%	10.1%	17.6%
Over $200k	3.5%	2.8%	4.2%

Demographics & statistics

6,767

Population

People per sq mi

36.1

Median age

$48,146

Median household income

$23,564

Per capita income

$124,000

Median home value

$660

Median monthly rent

68.0%

Home ownership

21.0%

Poverty rate

2.8%

Unemployment

1,909

Housing units

10.3%

Bachelor's or higher

Age distribution

Male Female

310

Under 5

306

190

5–9

188

360

10–14

355

187

15–19

184

224

20–24

220

394

25–34

389

363

35–44

358

416

45–54

411

212

55–59

210

211

60–64

209

333

65–74

329

143

75–84

141

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,934	28.6%
18 and over	4,833	71.4%
65 and over	1,070	15.8%
Median age	36.1 years

Race & ethnicity

White 92.2%

Black or African American 2.7%

Hispanic or Latino 1.5%

Two or more races 1.4%

Other race 1.3%

Asian 0.7%

American Indian / Alaska Native 0.2%

Group	Count	%
White	6,330	92.2%
Black or African American	187	2.7%
Hispanic or Latino	102	1.5%
Two or more races	99	1.4%
Other race	88	1.3%
Asian	49	0.7%
American Indian / Alaska Native	14	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	57.4%	60.4%	47.9%
$50k – $100k	30.5%	26.8%	30.3%
$100k – $200k	8.7%	10.1%	17.6%
Over $200k	3.5%	2.8%	4.2%

Under $10k 8.3%

$10k–$15k 7.3%

$15k–$25k 10.5%

$25k–$35k 14.1%

$35k–$50k 12.6%

$50k–$75k 16.0%

$75k–$100k 13.6%

$100k–$150k 9.4%

$150k–$200k 3.4%

$200k+ 4.8%

Range	% of households
Under $10k	8.3%
$10k–$15k	7.3%
$15k–$25k	10.5%
$25k–$35k	14.1%
$35k–$50k	12.6%
$50k–$75k	16.0%
$75k–$100k	13.6%
$100k–$150k	9.4%
$150k–$200k	3.4%
$200k+	4.8%
Median income	$48,146

Housing

Home values

Under $50k 11.1%

$50k–$100k 26.2%

$100k–$150k 22.1%

$150k–$200k 15.8%

$200k–$300k 15.3%

$300k–$500k 5.2%

$500k–$1M 4.0%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$124,000
Median rent / month	$660
Owner occupied	68.0%
Renter occupied	32.0%
Vacant	12.0%
Single-family detached	72.9%
Large apartment buildings	3.3%
Mobile homes	14.2%
Median rooms	5.4
Avg household size (owned)	3.08

Year built

Era	%
2020 or later	1.5%
2010–2019	10.4%
2000–2009	20.7%
1990–1999	14.9%
1980–1989	7.6%
1970–1979	15.8%
1960–1969	8.4%
1950–1959	10.4%
1940–1949	4.9%
1939 or earlier	5.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	8.7%
2 bedrooms	28.9%
3 bedrooms	40.2%
4 bedrooms	15.6%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	15.0%
1 vehicle	26.8%
2 vehicles	33.7%
3 or more	24.6%

Heating fuel

Fuel type	%
Utility gas	14.5%
Electricity	54.9%
Propane / LP gas	16.9%
Fuel oil	1.4%
Wood	10.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	1,205	51.5%
Cohabiting couple	95	4.1%
Male householder, no spouse	481	20.6%
Female householder, no spouse	557	23.8%
Households with children under 18	851	36.4%
Households with seniors (65+)	797	34.1%
Average household size	2.82

Marital status

Status	Male	Female
Never married	27.9%	14.9%
Married	49.1%	48.7%
Separated	2.3%	1.1%
Widowed	3.0%	16.6%
Divorced	17.7%	18.7%

Education

Less than 9th grade 12.4%

Some HS, no diploma 12.4%

HS graduate 38.6%

Some college, no degree 20.0%

Associate's degree 6.3%

Bachelor's degree 6.1%

Graduate / professional 4.2%

Metric	%
HS diploma or higher	75.2%
Bachelor's or higher	10.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	24	1.6%
Kindergarten	30	2.0%
Elementary school	888	59.2%
High school	227	15.1%
College / grad school	330	22.0%

Employment

Industry of employment

Manufacturing 23.2%

Education & healthcare 19.2%

Construction 11.9%

Arts, food & hospitality 11.1%

Retail trade 8.5%

Transportation & utilities 8.2%

Other services 4.8%

Professional & management 4.5%

Agriculture & mining 3.6%

Finance & real estate 2.4%

Wholesale trade 1.3%

Public administration 0.9%

Information 0.5%

Occupation

Category	%
Management, business & arts	22.0%
Service	24.4%
Sales & office	12.9%
Natural resources & construction	13.1%
Production & transportation	27.7%

Employment type

Type	%
Private sector	79.3%
Government	7.9%
Self-employed	11.5%
Unpaid family workers	1.3%

Commute

Method	%
Drive alone	75.3%
Carpool	19.1%
Public transit	0.2%
Walk	0.3%
Work from home	1.5%
Other means	3.5%
Avg commute (minutes)	34.1

Poverty

All people 21.0%

Under 18 years 27.3%

18 and over 18.5%

Married-couple families 4.2%

Female-led households 61.3%

Income support

Source	% of households
Social Security	38.5%
Retirement income	18.7%
Supplemental Security	6.8%
Cash public assistance	1.5%
Food stamps / SNAP	17.0%

Health indicators

Condition	%
Obesity	40.5%
High blood pressure	46.0%
High cholesterol	38.0%
Diabetes	14.6%
Heart disease	9.0%
Stroke	4.5%
Asthma	12.3%
Arthritis	34.2%
Kidney disease	3.8%
Pulmonary disease	13.6%
Cancer	6.8%

Behavior / access	%
Smoking	28.8%
Binge drinking	14.1%
No physical activity	36.6%
Less than 7 hrs sleep	40.7%
Depression	26.9%
Fair or poor health	26.5%
Poor mental health	19.8%
Poor physical health	17.4%
No health insurance	13.6%
Visited doctor (checkup)	76.7%
Visited dentist	45.6%
Cholesterol screening	87.9%
Teeth loss	25.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	346	7.2%

Disability	%
Any disability	19.5%
Under 18	8.1%
18–64 years	16.8%
65 and over	49.4%

Health insurance coverage

Type	%
Private insurance	46.5%
Public insurance	52.5%
No insurance	11.3%
Uninsured under 19	12.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,151	90.9%
Spanish	175	2.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	153	2.5%
Other languages	22	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,726	99.4%
Born in same state	6,604	97.6%
Born in different state	5,035	74.4%
Foreign born	122	1.8%
Naturalized citizen	41	0.6%
Not a US citizen	30	73.2%

Ancestry

Ancestry	Count	%
Arab	1,124	16.6%
French	663	9.8%
Italian	541	8%

Ancestry	Count	%
English	69	1%
Irish	3	0%

Technology access

Metric	% of households
Computer access	34.6%
Internet access	79.3%

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

Frequently asked questions about ZIP code 42765

What city is ZIP code 42765 in?

ZIP code 42765 is primarily assigned to Munfordville, Kentucky.

What county is ZIP code 42765 in?

ZIP code 42765 falls within Hart County, Kentucky.

How educated is the population of ZIP code 42765?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 42765?

21% of residents in ZIP code 42765 live below the poverty line, above the national average.

Does ZIP code 42765 have a large retiree population?

39% of households in ZIP code 42765 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 42765?

The median home value in ZIP code 42765 is $124,000.

What timezone is ZIP code 42765 in?

ZIP code 42765 observes the CST timezone.