41164 ZIP Code — Olive Hill, KY

Carter County, Kentucky

ZIP code 41164 is located in Olive Hill, Kentucky, within Carter County. It covers approximately 242.20 square miles and serves a population of 12,301 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 41164

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $100,200. Owner-occupancy is high at 84%, well above the national average.

Median household income is $50,940. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 21% of households reflects economic stress in the area. 46% 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 33 minutes is near the national average.

College attainment at 15% 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.

Overall, ZIP code 41164 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.

12,301

population

242.20

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41164 ZIP code map

Cities in ZIP code 41164

Below are the cities the US Postal Service accepts for ZIP code 41164. Using any city not on this list may result in mail delivery delays.

City	Status
Olive Hill	Acceptable
Olive Hill	Preferred

Nearby ZIP codes

41143 Grayson (9.6 mi) 41141 Garrison (13.4 mi) 41171 Sandy Hook (15.4 mi) 40351 Morehead (15.9 mi) 41146 Hitchins (16 mi) 41179 Vanceburg (16.5 mi) 41144 Greenup (17.7 mi) 41121 Argillite (19.6 mi)

Demographics updated 06/2026

Population
Total population	12,301
Population density	51 / sq mi
State FIPS	21
County FIPS	043

Geography
Land area	242.20 sq mi
Water area	1.48 sq mi
Latitude	38.3418
Longitude	-83.1723
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.8%	59.3%	47.9%
$50k – $100k	27.8%	26.2%	30.3%
$100k – $200k	11.4%	12.9%	17.6%
Over $200k	1.0%	1.6%	4.2%

Demographics & statistics

12,301

Population

People per sq mi

43.7

Median age

$50,940

Median household income

$27,034

Per capita income

$100,200

Median home value

$582

Median monthly rent

83.8%

Home ownership

22.0%

Poverty rate

6.1%

Unemployment

5,115

Housing units

15.3%

Bachelor's or higher

Age distribution

Male Female

158

Under 5

170

237

5–9

256

522

10–14

565

633

15–19

685

316

20–24

341

462

25–34

500

761

35–44

824

977

45–54

1,058

293

55–59

317

382

60–64

414

756

65–74

819

337

75–84

365

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,617	21.3%
18 and over	9,684	78.7%
65 and over	2,430	19.8%
Median age	43.7 years

Race & ethnicity

White 93.8%

Two or more races 4.1%

Hispanic or Latino 1.6%

Other race 0.3%

American Indian / Alaska Native 0.1%

Group	Count	%
White	11,727	93.8%
Two or more races	512	4.1%
Hispanic or Latino	199	1.6%
Other race	40	0.3%
American Indian / Alaska Native	17	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.8%	59.3%	47.9%
$50k – $100k	27.8%	26.2%	30.3%
$100k – $200k	11.4%	12.9%	17.6%
Over $200k	1.0%	1.6%	4.2%

Under $10k 6.6%

$10k–$15k 10.2%

$15k–$25k 11.1%

$25k–$35k 8.5%

$35k–$50k 12.8%

$50k–$75k 21.1%

$75k–$100k 9.0%

$100k–$150k 15.9%

$150k–$200k 3.1%

$200k+ 1.7%

Range	% of households
Under $10k	6.6%
$10k–$15k	10.2%
$15k–$25k	11.1%
$25k–$35k	8.5%
$35k–$50k	12.8%
$50k–$75k	21.1%
$75k–$100k	9.0%
$100k–$150k	15.9%
$150k–$200k	3.1%
$200k+	1.7%
Median income	$50,940

Housing

Home values

Under $50k 25.0%

$50k–$100k 24.9%

$100k–$150k 12.5%

$150k–$200k 13.5%

$200k–$300k 15.0%

$300k–$500k 3.5%

$500k–$1M 4.5%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$100,200
Median rent / month	$582
Owner occupied	83.8%
Renter occupied	16.2%
Vacant	20.7%
Single-family detached	65.5%
Large apartment buildings	0.0%
Mobile homes	30.2%
Median rooms	5.9
Avg household size (owned)	2.69

Year built

Era	%
2020 or later	0.0%
2010–2019	4.8%
2000–2009	17.5%
1990–1999	18.2%
1980–1989	16.1%
1970–1979	19.2%
1960–1969	6.4%
1950–1959	11.1%
1940–1949	3.0%
1939 or earlier	3.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.0%
2 bedrooms	26.9%
3 bedrooms	56.9%
4 bedrooms	11.9%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	6.9%
1 vehicle	23.4%
2 vehicles	32.8%
3 or more	36.9%

Heating fuel

Fuel type	%
Utility gas	10.6%
Electricity	53.4%
Propane / LP gas	22.1%
Fuel oil	0.7%
Wood	11.0%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	2,528	54.3%
Cohabiting couple	215	4.6%
Male householder, no spouse	698	15.0%
Female householder, no spouse	1,216	26.1%
Households with children under 18	1,412	30.3%
Households with seniors (65+)	1,765	37.9%
Average household size	2.64

Marital status

Status	Male	Female
Never married	29.4%	21.1%
Married	52.6%	51.5%
Separated	1.2%	2.2%
Widowed	4.3%	13.7%
Divorced	12.5%	11.4%

Education

Less than 9th grade 7.3%

Some HS, no diploma 9.9%

HS graduate 39.0%

Some college, no degree 18.4%

Associate's degree 10.1%

Bachelor's degree 9.5%

Graduate / professional 5.8%

Metric	%
HS diploma or higher	82.8%
Bachelor's or higher	15.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	77	2.6%
Kindergarten	45	1.5%
Elementary school	1,259	42.9%
High school	1,004	34.2%
College / grad school	553	18.8%

Employment

Industry of employment

Education & healthcare 27.3%

Manufacturing 12.8%

Retail trade 12.1%

Construction 11.0%

Transportation & utilities 10.7%

Arts, food & hospitality 8.1%

Public administration 5.4%

Other services 3.9%

Professional & management 3.0%

Finance & real estate 2.3%

Agriculture & mining 1.8%

Information 1.2%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	27.5%
Service	16.8%
Sales & office	18.7%
Natural resources & construction	13.4%
Production & transportation	23.6%

Employment type

Type	%
Private sector	71.8%
Government	20.7%
Self-employed	7.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.6%
Carpool	11.9%
Public transit	0.0%
Walk	2.6%
Work from home	2.4%
Other means	0.4%
Avg commute (minutes)	33.0

Poverty

All people 22.0%

Under 18 years 28.8%

18 and over 20.3%

Married-couple families 9.0%

Female-led households 66.4%

Income support

Source	% of households
Social Security	45.5%
Retirement income	29.1%
Supplemental Security	9.4%
Cash public assistance	2.0%
Food stamps / SNAP	20.8%

Health indicators

Condition	%
Obesity	41.5%
High blood pressure	45.8%
High cholesterol	39.4%
Diabetes	14.7%
Heart disease	9.6%
Stroke	4.7%
Asthma	12.5%
Arthritis	36.2%
Kidney disease	3.9%
Pulmonary disease	14.8%
Cancer	6.9%

Behavior / access	%
Smoking	30.0%
Binge drinking	14.4%
No physical activity	38.1%
Less than 7 hrs sleep	39.1%
Depression	27.7%
Fair or poor health	27.7%
Poor mental health	20.3%
Poor physical health	18.3%
No health insurance	13.2%
Visited doctor (checkup)	76.5%
Visited dentist	44.2%
Cholesterol screening	87.7%
Teeth loss	26.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	645	6.7%

Disability	%
Any disability	21.5%
Under 18	13.3%
18–64 years	17.8%
65 and over	41.3%

Health insurance coverage

Type	%
Private insurance	49.6%
Public insurance	57.0%
No insurance	6.6%
Uninsured under 19	0.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,973	97.3%
Spanish	9	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	9	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,271	99.8%
Born in same state	12,263	99.7%
Born in different state	9,128	74.2%
Foreign born	8	0.1%
Naturalized citizen	30	0.2%
Not a US citizen	12	40.0%

Ancestry

Ancestry	Count	%
French	2,925	23.8%
Arab	2,087	17%
Italian	1,372	11.2%

Ancestry	Count	%
English	39	0.3%
German	38	0.3%
Polish	8	0.1%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	86.2%

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

Frequently asked questions about ZIP code 41164

What city is ZIP code 41164 in?

ZIP code 41164 is primarily assigned to Olive Hill, Kentucky.

What county is ZIP code 41164 in?

ZIP code 41164 falls within Carter County, Kentucky.

What is the poverty rate in ZIP code 41164?

22% of residents in ZIP code 41164 live below the poverty line, above the national average.

Does ZIP code 41164 have a large retiree population?

46% of households in ZIP code 41164 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 41164 mostly owner-occupied?

84% of occupied units in ZIP code 41164 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 41164?

The median home value in ZIP code 41164 is $100,200.

What timezone is ZIP code 41164 in?

ZIP code 41164 observes the EST timezone.