40972 ZIP Code — Oneida, KY

Clay County, Kentucky

ZIP code 40972 is located in Oneida, Kentucky, within Clay County. It covers approximately 73.84 square miles and serves a population of 1,520 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40972

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 $53,700. Owner-occupancy is high at 77%, well above the national average.

Median household income is $43,984. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 29% of households reflects economic stress in the area. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 25 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (15%), smoking (33%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 28%.

Overall, ZIP code 40972 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.

1,520

population

73.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40972 ZIP code map

Cities in ZIP code 40972

Below are the cities the US Postal Service accepts for ZIP code 40972. Using any city not on this list may result in mail delivery delays.

City	Status
Oneida	Preferred

Nearby ZIP codes

40983 Sextons Creek (8.7 mi) 40914 Big Creek (8.9 mi) 41762 Sizerock (8.9 mi) 41714 Bear Branch (9.2 mi) 41721 Buckhorn (9.2 mi) 41314 Booneville (10.5 mi) 40962 Manchester (12.4 mi) 41749 Hyden (12.5 mi) 40486 Tyner (13.9 mi) 41386 Vincent (14.9 mi) 41754 Krypton (16.9 mi) 41727 Chavies (17.6 mi)

Demographics updated 05/2026

Population
Total population	1,520
Population density	21 / sq mi
State FIPS	21
County FIPS	051

Geography
Land area	73.84 sq mi
Water area	0.60 sq mi
Latitude	37.2834
Longitude	-83.6380
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	67.1%	70.4%	47.9%
$50k – $100k	19.7%	22.8%	30.3%
$100k – $200k	13.2%	5.7%	17.6%
Over $200k	0.0%	1.1%	4.2%

Demographics & statistics

1,520

Population

People per sq mi

39.4

Median age

$43,984

Median household income

$17,940

Per capita income

$53,700

Median home value

$585

Median monthly rent

76.5%

Home ownership

20.2%

Poverty rate

6.1%

Unemployment

590

Housing units

18.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

100

35–44

45–54

55–59

60–64

111

65–74

121

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	351	23.1%
18 and over	1,169	76.9%
65 and over	286	18.8%
Median age	39.4 years

Race & ethnicity

White 97.3%

Two or more races 2.7%

Group	Count	%
White	1,479	97.3%
Two or more races	41	2.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	67.1%	70.4%	47.9%
$50k – $100k	19.7%	22.8%	30.3%
$100k – $200k	13.2%	5.7%	17.6%
Over $200k	0.0%	1.1%	4.2%

Under $10k 8.6%

$10k–$15k 10.8%

$15k–$25k 10.1%

$25k–$35k 11.4%

$35k–$50k 11.2%

$50k–$75k 23.8%

$75k–$100k 18.4%

$100k–$150k 5.8%

Range	% of households
Under $10k	8.6%
$10k–$15k	10.8%
$15k–$25k	10.1%
$25k–$35k	11.4%
$35k–$50k	11.2%
$50k–$75k	23.8%
$75k–$100k	18.4%
$100k–$150k	5.8%
Median income	$43,984

Housing

Home values

Under $50k 41.6%

$50k–$100k 38.9%

$100k–$150k 9.0%

$150k–$200k 2.4%

$300k–$500k 6.3%

$500k–$1M 1.7%

Housing overview

Metric	Value
Median home value	$53,700
Median rent / month	$585
Owner occupied	76.5%
Renter occupied	23.5%
Vacant	25.0%
Single-family detached	52.8%
Large apartment buildings	0.0%
Mobile homes	42.0%
Median rooms	5.8
Avg household size (owned)	2.76

Year built

Era	%
2020 or later	0.0%
2010–2019	14.2%
2000–2009	7.8%
1990–1999	15.5%
1980–1989	22.2%
1970–1979	26.7%
1960–1969	3.8%
1950–1959	3.2%
1940–1949	4.7%
1939 or earlier	1.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	2.7%
2 bedrooms	27.5%
3 bedrooms	57.8%
4 bedrooms	3.5%
5+ bedrooms	5.9%

Vehicles per household

Vehicles	% of households
No vehicle	11.0%
1 vehicle	23.6%
2 vehicles	33.7%
3 or more	31.7%

Heating fuel

Fuel type	%
Utility gas	32.6%
Electricity	52.9%
Propane / LP gas	2.0%
Fuel oil	6.5%
Wood	5.4%

Households & families

Household type	Count	%
Married-couple family	341	63.5%
Cohabiting couple	5	0.9%
Male householder, no spouse	32	6.0%
Female householder, no spouse	159	29.6%
Households with children under 18	244	45.4%
Households with seniors (65+)	182	33.9%
Average household size	2.76

Marital status

Status	Male	Female
Never married	29.8%	28.1%
Married	62.7%	50.7%
Separated	1.8%	4.8%
Widowed	0.0%	6.3%
Divorced	5.8%	10.2%

Education

Less than 9th grade 13.1%

Some HS, no diploma 12.7%

HS graduate 25.6%

Some college, no degree 16.5%

Associate's degree 13.3%

Bachelor's degree 14.8%

Graduate / professional 4.0%

Metric	%
HS diploma or higher	74.1%
Bachelor's or higher	18.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	7	1.8%
Kindergarten	32	8.4%
Elementary school	176	46.0%
High school	113	29.5%
College / grad school	55	14.4%

Employment

Industry of employment

Retail trade 19.6%

Education & healthcare 17.5%

Arts, food & hospitality 16.6%

Wholesale trade 15.9%

Other services 15.4%

Manufacturing 10.5%

Agriculture & mining 1.9%

Public administration 1.6%

Transportation & utilities 1.2%

Occupation

Category	%
Management, business & arts	42.7%
Service	2.6%
Sales & office	20.5%
Natural resources & construction	14.0%
Production & transportation	20.3%

Employment type

Type	%
Private sector	83.9%
Government	8.4%
Self-employed	3.3%
Unpaid family workers	4.4%

Commute

Method	%
Drive alone	57.6%
Carpool	37.2%
Public transit	0.0%
Walk	0.7%
Work from home	4.4%
Other means	0.0%
Avg commute (minutes)	25.0

Poverty

All people 20.2%

Under 18 years 16.8%

18 and over 21.2%

Married-couple families 10.0%

Female-led households 30.0%

Income support

Source	% of households
Social Security	51.2%
Retirement income	31.7%
Supplemental Security	25.7%
Cash public assistance	4.3%
Food stamps / SNAP	29.2%

Health indicators

Condition	%
Obesity	42.9%
High blood pressure	45.4%
High cholesterol	39.4%
Diabetes	15.2%
Heart disease	9.9%
Stroke	4.9%
Asthma	12.9%
Arthritis	35.9%
Kidney disease	4.1%
Pulmonary disease	16.0%
Cancer	6.6%

Behavior / access	%
Smoking	32.8%
Binge drinking	14.1%
No physical activity	39.7%
Less than 7 hrs sleep	41.1%
Depression	29.0%
Fair or poor health	30.0%
Poor mental health	21.2%
Poor physical health	19.8%
No health insurance	14.1%
Visited doctor (checkup)	77.1%
Visited dentist	43.6%
Cholesterol screening	86.7%
Teeth loss	29.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	38	3.3%

Disability	%
Any disability	28.3%
Under 18	6.8%
18–64 years	31.3%
65 and over	45.5%

Health insurance coverage

Type	%
Private insurance	47.2%
Public insurance	55.8%
No insurance	6.6%
Uninsured under 19	0.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,452	95.5%
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)	1,461	96.1%
Born in same state	1,461	96.1%
Born in different state	1,271	83.6%
Foreign born	0	0.0%
Naturalized citizen	59	3.9%
Not a US citizen	33	55.9%

Ancestry

Ancestry	Count	%
Arab	465	30.6%
French	344	22.6%

Ancestry	Count	%
Italian	82	5.4%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	89.2%

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

Frequently asked questions about ZIP code 40972

What city is ZIP code 40972 in?

ZIP code 40972 is primarily assigned to Oneida, Kentucky.

What county is ZIP code 40972 in?

ZIP code 40972 falls within Clay County, Kentucky.

Does ZIP code 40972 have a large retiree population?

51% of households in ZIP code 40972 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 40972?

20% of residents in ZIP code 40972 live below the poverty line, above the national average.

What is the typical home value in ZIP code 40972?

The median home value in ZIP code 40972 is $53,700.

What are the health statistics for ZIP code 40972?

Health data for ZIP code 40972 shows elevated rates of diabetes (15%) and smoking (33%) compared to national benchmarks.

What timezone is ZIP code 40972 in?

ZIP code 40972 observes the EST timezone.